| Category | Rate | Type | Cap |
|---|---|---|---|
|
Sephora Purchases
Earned on net eligible purchases at Sephora U.S. stores (excluding Canada and Sephora departments inside other retailer stores) and on sephora.com; rewards expire 90 days from date of issue.
|
4x | Cash Back | No cap |
|
All Other Purchases
Earned on net eligible purchases everywhere else Visa credit cards are accepted.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Military Lending Act (MLA) Protections
Eligible active duty servicemembers and their dependents are subject to a 36% MAPR cap and the arbitration clause does not apply, per federal Military Lending Act requirements.
|
Financial | 36% MAPR cap |
|
No Annual Fee
The Sephora Credit Card carries no annual fee for cardholders.
|
Financial |
$0 Annual Fee
Up to $0
|
|
Online Account Management
Cardholders have 24/7 access to account management via the Comenity Account Center to view balances, transactions, statements, rewards, and make payments.
|
Financial | Complimentary |
|
Paperless Statements
Cardholders can enroll in paperless statements to avoid the $2.99 monthly paper statement fee that applies when the balance exceeds $3.50.
|
Financial | Fee waiver via enrollment |
|
Servicemembers Civil Relief Act (SCRA) Benefits
Eligible active duty servicemembers may receive a reduced interest rate not to exceed 6% on balances incurred prior to active duty service.
|
Financial | Up to 6% APR cap on pre-service balances |
|
2x Beauty Insider Points at Sephora
Cardholders earn 2 Beauty Insider points per $1 spent on eligible Sephora purchases made with the Sephora Credit Card, double the standard Beauty Insider earn rate of 1 point per $1.
|
Rewards | 2x Beauty Insider points |
|
4% Back in Credit Card Rewards at Sephora
Cardholders earn 4% back in reward dollars for every $1 of net eligible purchases made at Sephora U.S. stores or on sephora.com; rewards expire 90 days from the date of issue.
|
Rewards | 4% back at Sephora |
|
Credit Card Rewards Combinable with Beauty Insider Cash
Sephora Credit Card reward certificates can be combined with Beauty Insider cash certificates at checkout, allowing cardholders to stack both types of rewards on eligible Sephora purchases.
|
Rewards | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made on their account, provided they report the fraud promptly to Comenity Capital Bank. In any case, liability will not exceed $50.
|
Security | Complimentary |
|
25% Off First Purchase Discount
Upon approval, cardholders receive a one-time 25% discount off all Sephora products and services, valid for immediate use in-store or online; expires 30 days after the approval date. Not valid on gift cards, eGift cards, packaging, taxes, shipping & handling, or orders outside the US or Canada.
|
Shopping | 25% off first purchase |
|
Instant Temporary Card Number Upon Approval
Upon approval, cardholders receive an immediate temporary card number valid for 14 days with a temporary credit limit, allowing same-day purchases at Sephora in-store or online before the physical card arrives.
|
Shopping | Complimentary |
