5 Things to Know About the Sephora Credit Cards
The Sephora household of bank cards, issued by Comenity, are retailer bank cards that earn further rewards on the chain of magnificence merchandise shops. Nevertheless, relying on which card you qualify for, rewards on non-Sephora purchases are restricted or nonexistent. Until you head to Sephora continuously for magnificence hauls, at most you’ll often get a couple of {dollars} off a purchase order.
Listed below are 5 issues to know in regards to the Sephora bank cards.
1. There are 3 variations of the cardboard
Relying in your credit score historical past and different monetary info you present in your card utility, you could qualify for certainly one of these three Sephora bank cards:
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The Sephora Credit score Card, which can be utilized to make purchases at U.S. Sephora shops or on the Sephora web site.
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The Sephora Visa Credit score Card, which can be utilized wherever Visa playing cards are accepted.
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The Sephora Visa Signature Credit score Card, which can be used anyplace Visa is accepted and gives Visa Signature journey advantages together with a concierge service and roadside help.
All the playing cards cost a $0 annual charge.
2. Sephora purchases earn extra rewards
All three playing cards earn 4% again (in rewards, not money again) on each $1 spent at U.S. Sephora shops or on the Sephora web site.
The Sephora Visa Credit score Card and Sephora Visa Signature Credit score Card additionally earn 1% again per $1 on all different purchases. Plus, as of this writing, they earn a sign-up bonus: $20 in rewards whenever you spend $500 exterior of Sephora within the first 90 days.
3. Sephoras inside different retail shops don’t depend
That 4% rewards price counts solely whenever you store at standalone Sephora shops. Places inside different retailers, like Sephora stands in J.C. Penney shops, don’t qualify.
If you happen to don’t reside close to an eligible Sephora retailer, you may nonetheless earn this excessive rewards price whenever you store on-line with Sephora.
4. Bank card rewards work in tandem with the Magnificence Insider program
As a Sephora cardholder, you’ll be routinely enrolled in Magnificence Insider, the shop’s loyalty program.
This implies you’ll earn each bank card rewards and Magnificence Insider factors on all eligible purchases, and you may mix these two swimming pools of rewards for future purchases.
5. Reward redemption is restricted
You may redeem rewards solely in U.S. Sephora shops — not together with Sephora areas inside different retailers — and on sephora.com. For each 125 reward {dollars} you earn, you get a $5 bank card reward, and rewards are issued in $5 increments.
These rewards expire extra shortly than a bottle of fragrance left on a sunny windowsill. Earned reward {dollars} expire after 18 months, whilst you have 90 days from the date these bank card rewards are issued to spend them.
In different phrases, when you get that $5, you don’t have too lengthy to spend it. That additionally makes it laborious to stockpile factors within the hopes of offsetting the price of a big buy — a lot for a deep low cost on that $500 blow dryer you’ve been eyeing.
