Sephora Visa Credit score Card overview
The Sephora Visa Credit score Card affords a robust return on Sephora purchases. Nevertheless, its restricted incomes charges outdoors of Sephora and its restrictive redemption choices make it a poor alternative for many consumers. Card ranking*: ⭐⭐½
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Usually, we advise towards retailer bank cards right here at TPG. Whereas retailer playing cards normally have first rate incomes charges for his or her particular retailer, most consumers are higher off skipping these playing cards and holding a extra basic cash-back or journey rewards bank card of their wallets as an alternative.
The Sephora Visa Credit score Card isn’t any exception. As tempting as it’s to enroll in the cardboard when a salesman or on-line checkout asks if I need to save 25% on my Sephora buy, I all the time decline.
It is very important observe that there are two variations of the Sephora Card: the Sephora Credit score Card and the Sephora Visa Credit score Card. The primary is a closed-loop choice, that means you’ll be able to solely use (and earn rewards on) it at Sephora. The Sephora Visa Credit score Card, in the meantime, can be utilized and earns rewards anyplace Visa is accepted.
For the reason that Visa model is essentially the most much like different playing cards we cowl at TPG, I am focusing this assessment on it somewhat than the closed-loop card.
This Sephora Visa has no annual charge and a advisable credit score rating of 670 or above. Now, let’s dive into the cardboard particulars to see why it is not a match for me however could possibly be for you.
The data for the Sephora Credit score Card and the Sephora Visa Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Sephora Visa Credit score Card execs and cons
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Sephora Visa Credit score Card welcome provide
Now by way of Sept. 25, new cardholders can earn $150 in Sephora Credit score Card Rewards after spending $1,500 within the first 90 days of account opening.
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Along with this welcome provide, new cardholders will get 25% off their first Sephora buy after they use their card at Sephora throughout the first 30 days of account opening. There aren’t any services or products exclusions to this low cost, so it is potential to get vital worth from it should you’re spending rather a lot at Sephora directly.
It isn’t laborious to discover a extra invaluable welcome provide on a cash-back card, however you will get a whole lot of worth from the Sephora Visa by incomes the welcome provide and profiting from the 25% low cost.
Associated: The most effective bank card welcome affords presently out there
Sephora Visa Credit score Card advantages
Essentially the most vital advantage of the Sephora Visa is that it permits cardholders to earn double Magnificence Insider factors on Sephora purchases.
Magnificence Insider, Sephora’s loyalty program, is free to affix and permits members to earn factors on Sephora purchases. Members can money in 500 factors for a $10 low cost.
Noncardholders earn one Magnificence Insider level per greenback spent, however cardholders earn 2 factors per greenback spent, giving them a 4% return in Magnificence Insider factors on prime of the bank card rewards they earn.
Moreover, these with a Sephora bank card obtain unique reductions and promotions.
Whereas these advantages can provide further financial savings for cardholders, the Sephora Visa doesn’t provide the buy safety you will discover on different playing cards. If you happen to plan on buying digital instruments from Sephora, like a Dyson Airwrap or a purple mild remedy instrument, you could need to put your buy on a special card that gives further safety.
Associated: Greatest cash-back bank cards
Incomes and redeeming rewards on the Sephora Visa Credit score Card
Sephora Visa cardholders earn 4% again on Sephora purchases and 1% again on all different purchases. Notice that purchases made at Sephora places inside different shops, resembling Kohl’s, will solely earn 1% again.
The 4% you will earn in Sephora Rewards are on prime of the 4% you will earn in Magnificence Insider rewards, so cardholders earn an efficient 8% return on Sephora purchases.
Sephora Rewards are calculated on the finish of every billing cycle and issued in $5 increments. In case you have not reached a $5 increment, your rewards will keep in your account and be issued when you attain the $5 quantity.
Nevertheless, there are some restrictions on how you employ your rewards. They’re issued within the type of Sephora Reward {Dollars}, which might solely be used at Sephora. These rewards expire 90 days from the date of challenge and can’t be mixed with another reductions apart from a Magnificence Insider redemption.
Whereas the 8% return I may earn on the Sephora Visa is spectacular, the redemption restrictions are the deal breaker for me. I like to attend for gross sales and refill on my favourite objects at a reduction, however I would not be capable to use my Sephora Reward {Dollars} with these gross sales.
Plus, I must use any rewards I earned throughout the subsequent 90 days— purchasing I probably would not do in any other case.
I desire as an alternative to place my Sephora purchases on a superb flat-rate cash-back bank card, just like the Chase Freedom Limitless®. I nonetheless earn 2% again in Magnificence Insider rewards, plus cash-back bank card rewards that I can use towards Sephora purchases or the rest I need.
I additionally maintain a watch out for service provider affords (I can repeatedly reap the benefits of a 5% or 10% Sephora provide from Chase) and store by way of Rakuten to earn further rewards.
Associated: The most effective rewards bank cards for every bonus class
Which playing cards compete with the Sephora Visa Credit score Card?
If you need extra versatile rewards, one in all these could also be a greater match:
For added choices, see our full listing of the most effective bank cards.
Associated: Why the Citi Double Money will all the time have a spot in my pockets
Is the Sephora Visa Credit score Card value it?
If you happen to spend a major quantity at Sephora and will not have any points utilizing your Reward {Dollars} earlier than they expire, the 8% you will earn with the Sephora Visa may be value it. Nevertheless, those that aren’t as constant of their Sephora spending or who need extra versatile rewards will need to go together with a special card.
Backside line
If the black and white stripes of a Sephora retailer are your siren track, the Sephora Visa could also be a superb choice. It lets you earn an 8% return in your Sephora purchases — 4% in rewards and 4% by way of Magnificence Insider factors — and will get you unique cardholder reductions.
If, nonetheless, you might have solely a reasonable magnificence purchasing behavior, you will be higher off utilizing a extra basic cash-back card as an alternative.
Associated: Retailer vs. cash-back bank cards: Which one ought to I get?
For charges and charges of the Blue Money On a regular basis, click on right here.