Sephora Visa Credit Card
Basic Information
Program ID: sephora-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:51
Last Scraped: 01/15/2026 10:24
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $250.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Sephora Purchases, 2x Dining, 2x Gas, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after they are earned if not redeemed, or upon account closure.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requirements for the Sephora Visa Credit Card (2026) include being 18 years or older, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and meeting BreadFinancial's creditworthiness criteria (typically good to excellent credit for the Visa version). Income verification may be required. BreadFinancial may deny applications based on too many recent credit inquiries or existing accounts with them. New cardholders can typically earn a $50 statement credit after spending $500 on purchases within the first 90 days of account opening. Rewards generally include 5% back in Sephora Credit on Sephora purchases, 2% back on dining, gas, and grocery store purchases, and 1% back on all other eligible purchases. Rewards are issued as Sephora Credit and are subject to Sephora's loyalty program terms and conditions. Store-specific restrictions apply to reward redemption and promotional offers.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple recent applications with BreadFinancial), high cumulative credit limit across all BreadFinancial accounts, frequent returns or abuse of store policies, missed payments, high credit utilization, or suspected fraudulent activity. While no hard limit is published, exceeding 5-7 active credit lines with BreadFinancial may increase scrutiny.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Strong rewards for Sephora purchases, faster path to Sephora Rouge status, and general Visa acceptance.
Top Negative Feedback:
Frequent complaints about Comenity Bank's customer service, low credit limits, high APR, and weak rewards outside of Sephora.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Ulta Beauty Rewards Credit Card
- Citi Double Cash Card
- Capital One SavorOne
Card Value Score: 65.0 / 100
Est. Annual Rewards: $80.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024-01-01