Chip Lupo, Credit Card Writer
@CLoop
The main difference between a Sephora Credit Card and a Sephora Visa Credit Card is where you can use it. The Sephora Credit Card is limited to purchases at most U.S. Sephora locations and sephora.com, while the Sephora Visa Credit Card can be used at all U.S. Sephora locations and anywhere Visa cards are accepted.
Additionally, the Sephora Credit Card offers a 25% discount on your first purchase within 30 days of opening an account and gives 4% in reward dollars on purchases made at Sephora. The Sephora Visa Credit Card features a 25% discount + $20 bonus as a sign-up incentive and gives 4% back in reward dollars at Sephora and 1% on all other purchases.
Sephora Credit Card vs. Sephora Visa Credit Card
| Category | Sephora Credit Card | Sephora Visa Credit Card |
| Usage | U.S. Sephora stores (excluding Sephora at Kohl’s locations) and sephora.com | U.S. Sephora stores (including Sephora at Kohl’s locations), sephora.com, and anywhere Visa credit cards are accepted |
| Network | N/A - Store Card | Visa |
| Minimum Credit Required | Fair | Good |
| Bonus Offer | 25% discount on your first purchase within 30 days of opening an account | 25% off your first purchase, plus $20 reward after spending $500 outside Sephora in the first 90 days |
| Rewards | 4% in reward dollars on purchases made at Sephora | 4% back in reward dollars at Sephora and 1% on all other purchases |
| Regular APR | 30.49% (V) | 21.74% - 30.49% (V) |
| Foreign Transaction Fee | Not for use outside of the U.S. | 3% |
Store-affiliated cards are ideal for earning rewards at your favorite retailers, and most require at least fair credit for approval. To find the right card for your shopping needs, check out our editors’ latest picks for the best store credit cards and compare offers.
People also ask
Can I use my Sephora Credit Card anywhere?
Yes, you can use the Sephora Credit Card anywhere that accepts cards on the Visa network. That means you can use the card virtually everywhere in the world.
The Sephora Credit Card has a 3% foreign transaction fee, which means you will incur extra charges for international purchases. This card also offers 4% back in reward dollars at Sephora and 1% on all other purchases. The Sephora Credit Card comes with a $0 annual fee.
Lastly, it's worth noting that the Sephora Store Card can only be used at Sephora. This is a...
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