Sephora Visa Credit Card

For People with
Good Credit



The Sephora Visa Credit Card is an upgrade from the basic store card— the Sephora Store Credit Card — coming with more benefits and rewards, along with the ability to use your card outside of Sephora stores.

You’ll earn 4% back in rewards at Sephora in-store or online, and 1% back in rewards for all purchases outside of Sephora. You can get 15% off your first card purchase at Sephora within 30 days of getting your card, and a $20 Sephora Credit Card Reward if you can spend $500 outside of Sephora within the first 90 days.

This card has no annual fee.

In a recent press release regarding the launch of the Sephora credit cards, Sephora Senior Vice President of CRM and Loyalty Andrea Zaretsky said “The Sephora Credit Card exemplifies Sephora’s loyalty philosophy in every sense; it considers all the most-loved aspects of Sephora — the amazing product, services, experiences and personalization.”

There are three Sephora credit cards in total, and they all provide membership in the Beauty Insider program, offering extra perks for cardholders. Beauty Insider members get points when spending money at Sephora, along with birthday gifts and special offers, plus upgraded tier celebration gifts for when you take it to the next level and spend at least $350 in a year.

Where can I use my Sephora Visa Credit Card?

You can use this card at Sephora and anywhere Visa credit cards are accepted.

Card Quick Facts

Card Quick Facts

  • 4% back in rewards for purchases at Sephora in-store or online
  • 1% back in rewards for all other purchases
  • 15% off first card purchase at Sephora within 30 days of approval
  • $20 Sephora Credit Card Rewards when you spend $500 outside of Sephora in the first 90 days of approval
  • Automatic Sephora Beauty Insider membership
  • No annual fee

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 4% back in rewards at Sephora, in-store or online
  • 1% back in rewards for all other purchases

Introductory Bonus

  • 15% off first card purchase at Sephora within 30 days; $20 Sephora Credit Card Reward when you spend $500 outside of Sephora within 90 days
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 19.24% or 27.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee 3%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 29.99% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Beauty Insider Membership

    Cardholders automatically become Sephora Beauty Insider members. Benefits include extra reward points on Sephora purchases, birthday gifts, seasonal savings, and more.

  • Visa Benefits

    You’ll be provided with a list of available benefits once you’re approved for the card.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized charges (contact customer support immediately if you suspect fraud).

  • Emergency Card Replacement

    After reporting your card as lost you can quickly and easily get a replacement, or an emergency cash advance.

  • Auto Rental Collision Damage Waiver

    Eligible rental cars are covered against collision damage and theft, when the rental company’s own insurance is declined.

  • Roadside Dispatch

    Emergency roadside assistance, like towing, fuel delivery, and tire changes. Third party service fees will apply.

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