If you’re a regular Sephora shopper, odds are you’re already pretty savvy when it comes to saving on makeup and skincare products. You know to sign up for Beauty Insider rewards to nab a Sephora promo code, for instance, or when to plan your shopping trips to hit all of Sephora’s annual sales. But if you’re not using a Sephora Credit Card—and there are two types to choose from—you’re missing out on huge savings you won’t find anywhere else, including 25% off your first purchase.
Read on for Groupon Coupons’ breakdown of both types of Sephora Credit Cards, and which one (if either!) deserves a spot in your wallet.
Sephora Credit Card Vs. Sephora Visa Credit Card
First off, there are two types of credit cards you can choose from:
- Sephora Credit Card
- Sephora Visa Credit Card
Both cards operate like a traditional credit card with no annual fee, but they differ on where you can use them and earn rewards. The Sephora Credit Card is only good for shopping at Sephora stores or online at sephora.com, whereas the Sephora Visa Credit Card can be used wherever Visa is accepted (including at the Sephora counter inside JCPenney). Here’s a quick rundown of what each card includes and how they differ.
Sephora Credit Card
- Use only at Sephora stores or on sephora.com
- No annual fee + 31.99% APR
- Get 25% off your first purchase
- Earn 4% back in rewards for every $1 spent
- Get exclusive cardmember offers
This card is good for people looking to save at Sephora who already have a credit card with a low APR and better rewards program they use elsewhere.
But beware of the high APR. At 31.99%, you’ll want to be sure to pay your balance off each month or you will be hit with hefty interest charges.
Sephora Visa Credit Card
- Use anywhere Visa is accepted, including Sephora at JCPenney & Kohl's
- No annual fee + 23.24%–31.99% APR (depending on creditworthiness)
- Get 25% off your first purchase
- Earn 4% back in rewards for every $1 spent at Sephora
- Earn 1% back in rewards on purchases outside of Sephora
- Earn a $20 Sephora Credit Card reward for spending $500+ outside of Sephora within the first 90 days
- Get exclusive cardmember offers
This card is good for people looking to save even more at Sephora and who want a traditional credit card to use at other stores. If you have great credit, you could score an APR as low as 23.24%.
But beware of the potentially high APR of 31.99% if you have less-than-stellar credit. You’ll want to be sure to pay your balance off each month or the interest charges will be substantial.
Frequently Asked Questions
Is the Sephora Credit Card Worth Getting?
With no annual fee and 4% back in Rewards every time you shop, the Sephora Credit Card is absolutely worth getting—especially if you shop there frequently. And even if you don’t shop there often, you’ll still get 25% off your first purchase (a higher discount than even top-tier Rouge Beauty insiders).
Can You Use the Sephora Credit Card at Other Stores to Earn Points?
The Sephora Credit Card can only be used at Sephora stores or online at sephora.com. The Sephora Visa Credit Card, however, can be used wherever Visa cards are accepted. You’ll also earn 1% back in rewards on purchases at other stores, along with a $20 reward if you spend $500+ at other stores within the first 90 days.
How Do You Sign Up for the Sephora Credit Card?
Signing up is free and easy, but subject to approval. Click here to get started.
What Credit Score Do You Need for the Sephora Credit Card?
You’ll need a fair credit score of about 580 to be approved for the Sephora Credit Card, and a good credit score of about 670 to be approved for the Sephora Visa Credit Card.
How Do You Pay for the Sephora Credit Card?
You can submit online payments for your Sephora Credit Card here. You can also link your checking account through Comenity’s EasyPay to pay your bill even faster.
What is the Phone Number for Sephora Credit Card?
Contact the following numbers for questions about your credit card or to close your Sephora Credit Card account:
- Sephora Credit Card: 1-866-702-9946
- Sephora Visa Credit Card: 1-866-841-5037
Check out Sephora FAQS for more information about the Sephora Credit Card.
