Sephora Credit Card

Sephora Credit Card Review

This is a cashback card issued by Comenity Bank. If you're wondering whether Sephora Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 25.74%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Annual fee waived the first year. Sephora Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Sephora Credit Card

The Good	The Bad
No annual fee. Annual fee waived during the first year. Identity Theft Protection. Considers applicants with fair credit. Sephora Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not include many credit card benefits.

Sephora Credit Card FAQ

Does Sephora Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Sephora Credit Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Sephora Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Sephora Credit Card has a variable purchase APR starting at 25.74% .

What are the fees for Sephora Credit Card?

The following fees apply:

Sephora Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$41
Late Payment Fee	$41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Sephora Credit Card report your account activity to credit bureaus?

Yes, Sephora Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Sephora Credit Card

• Visit the Sephora Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.