Posted by William Charles on April 16, 2019
Credit Cards

Published on April 16th, 2019 | by William Charles

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Sephora Credit Card Now Available (4% Rewards At Sephora)

In March it was announced that Sephora would be launching co-branded credit cards with Alliance Data. Those cards have now launched and are available for sign up. Currently there are three cards available:

  • Sephora Credit Card (store card)
  • Sephora Visa® Credit Card (and Visa signature)

Card Benefits

  • Card earns at the following rates:
    • 4% back in rewards on purchases at Sephora
    • 1% back in rewards on purchases outside Sephora (Visa cards only)
  • 15% off your first card purchase at Sephora
  • $20 Sephora credit card reward after you spend $500 outside Sephora within the first 90 days (Visa cards only)

Our Verdict

Overall this card is fairly basic, the 4% back in rewards on Sephora purchases is nice but using the card outside Sephora doesn’t make any sense at all because other cards earn 2%+ cash back on all purchases. I guess if you spend a huge amount of money at Sephora signing up for this card could make sense, but realistically you will be better off signing up for a card with a large sign up bonus instead.



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Andrew
Andrew

Gift cards for Sephora are always 9-10% off on the secondary market. Much better options out there

Thomas
Thomas

you are not wrong but the average consumer is not savvy

Andrew D
Andrew D

True. I can’t even convince my friends (20s) to open an IRA or 401k.

Abe
Abe

401K? Unless your employer matches
all or a good portion of your contribution, I don’t really see much of a benefit in getting one. Even then you are restricting yourself out of your funds until you retire. Yes you may gain interest and it will grow if you keep at it until retirement age but you also incur opportunity costs of what you could have done with the money. It’s better to be able to use your moneys potentjal today. Time is money. Inflation also works against you.

Parts Unknown
Parts Unknown

So… don’t invest money…?

JoeW
JoeW

So… invest in time…?

Snorlax
Snorlax

Seriously? How old are you?

Celia
Celia

Seriously? If you expect to live off whatever social security may or may not be available when you retire, you’re fooling yourself.

Grant

You should be able to link the Sephora CC with your Ebates/Rakuten account and earn “4.0% In-Store Cash Back, Earn Cash Back when you shop in-store at Sephora.” https://www.rakuten.com/in-store.htm

Mj
Mj

Spouse approved for Visa Signature version. 7,500. EQ 09 790

Anna
Anna

Ehhhh this is kinda tempting but I feel like I can get better deals elsewhere. I have Cash+ and Sephora’s inside JCPenny counts as department store purchases so I can get 5% back there already. I usually get their GC’s when they’re on sale and I’ve had 10% back offers from BOA and Chase in the past and I can stack them with eBates.

Bill
Bill

The base card offer of 1% outside of Sephora is below the 2% that you can earn elsewhere, but if this card operates like other Alliance Data (Comenity) cards, you can expect to see promotional spending offers, as well as promotional balance transfer offers.

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