Sephora Visa Signature® Credit Card

BreadFinance Visa Signature Pending

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13

Benefits

2

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: sephora-visa-credit-card

Issuer: BreadFinance

Card Name: Sephora Visa Signature® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:51

Last Scraped: Feb 07, 2026 03:37

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers may receive a maximum annual percentage rate of 6% on their account under SCRA. Request requires written notice and military orders.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Sephora Purchases 4x Points Earn 4 points for every $1 spent on purchases made at Sephora stores and sephora.com. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on all other purchases everywhere Visa is accepted, excluding Sephora purchases. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 4x

Categories: 4x at Sephora, 2x on dining, gas, and select streaming services

Quarterly Rotating: No

Expiration Policy: Points expire if there is no activity on your Beauty Insider account for 12 consecutive months.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 13 Total
PENDING
Purchase Protection 2
Purchase Security
Up to $500 per claim, $50,000 per cardholder per year

Protects eligible purchases made with your card against theft or damage for a specified period (e.g., 90 days) from the date of purchase. Typically covers up to $500 per claim.

Extended Warranty Protection
Up to 1 additional year, maximum $10,000 per claim

Extends the manufacturer's original U.S. warranty by an additional year on eligible items purchased with the card. Typically covers up to $10,000 per claim.

Security 4
Zero Fraud Liability
Full protection

Protects you from unauthorized purchases made with your card or account information. You are not responsible for unauthorized charges.

Emergency Card Replacement
Card replacement within 1-3 business days

If your card is lost or stolen, Visa can work with your financial institution to cancel your old card and send you a replacement card within 1 to 3 business days.

Emergency Cash Disbursement
Emergency cash within hours

If your card is lost or stolen, Visa can arrange for you to get emergency cash delivered to you, typically within hours.

Lost/Stolen Card Reporting
Global reporting service

Provides a global service to report a lost or stolen card, helping to prevent unauthorized use.

Shopping 4
Sephora Rewards Earning Rate
4% back per $1 spent at Sephora

Earn 4% back in rewards on every $1 spent at Sephora stores and sephora.com when using the Sephora Visa Credit Card.

Everywhere Else Rewards Earning Rate
1% back per $1 spent everywhere else

Earn 1% back in rewards on every $1 spent on purchases made everywhere Visa credit cards are accepted outside of Sephora.

Sephora Reward Redemption
$20 Sephora Reward for 500 points

Receive a $20 Sephora Reward for every 500 points accumulated. Points are earned at a rate of 4% back at Sephora and 1% back everywhere else.

Welcome Offer - First Sephora Purchase Discount
25% off first Sephora purchase

Get 25% off your first Sephora purchase when you open and use your Sephora Visa Credit Card. This offer is typically valid for a limited time after account opening.

Travel Insurance 3
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Cardholders can call a toll-free number for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.

Travel and Emergency Assistance Services
Referral and coordination services

Provides a range of assistance services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.

Auto Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible Visa card and decline the rental company's collision damage waiver (CDW) or similar option.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 30.24%

Balance Transfer APR: 30.24%

Cash Advance APR: 30.49%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ No Interest if paid in full within 6 or 12 Months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
One or more of Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn 25% off your first Sephora purchase made with the card within 30 days of account opening, up to a maximum discount of $100. Plus, earn 5% back in rewards on Sephora purchases, 2% back on dining, gas, and grocery store purchases, and 1% back on all other purchases. Rewards are typically issued as Sephora gift cards or statement credits once a threshold (e.g., $10) is reached. Eligibility Requirements: Applicants must be at least 18 years of age (19 in Alabama and Nebraska). Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). A valid government-issued photo ID is required. Applicants must have a verifiable source of income sufficient to meet credit obligations. Credit history will be reviewed; generally requires good to excellent credit for approval, though BreadFinance may approve applicants with fair credit for lower limits. Applicants should not have had a Sephora Visa Credit Card account closed due to default or fraud in the past 12 months.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance accounts, frequent returns/abuse of store policies, late payments, defaulting on payments, suspicious account activity, opening too many accounts with BreadFinance in a short period, significant changes in credit profile.

Cliff Effect Rules: BreadFinance generally does not have complex 'cliff effect' rules or 'card family' restrictions similar to other major issuers. Eligibility is primarily assessed on an individual card basis, considering overall creditworthiness and total credit exposure with BreadFinance. Applying for multiple BreadFinance cards in a short timeframe may lead to denials based on credit inquiry volume or perceived risk, rather than specific family rules.

Special Events: Exclusive early access to Sephora sales (e.g., VIB/Rouge sales), special cardholder-only discounts during promotional periods, bonus rewards events on specific product categories, birthday rewards, and free shipping offers for cardholders.

Holiday Promos: Black Friday, Cyber Monday, Valentine's Day, Mother's Day, Father's Day, Christmas/Holiday Season, Sephora's seasonal savings events (Spring/Fall).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Excellent rewards and perks for frequent Sephora shoppers, relatively easy approval process for building credit.

Top Negative:
High interest rates, rewards are restricted to Sephora, and frequent complaints about Comenity's customer service.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Ulta Beauty Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024