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Last Updated: 07/28/2025

Sephora Credit Card

from Comenity Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Sephora Credit Card logo
Strongly not recommended5 total votes
5 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

Starting at 25.74%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

300 - 850

Annual Fee

$0

Number of Reviews

5

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Sephora Credit Card Review

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

Key Takeaways

  • APR: This is not a great card for people who carry a balance. It has a variable regular 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.
  • $0 intro annual fee for 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 poor credit.

Pros & Cons of Sephora Credit Card

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.
  • Reports to major credit bureaus

What are the relevant APRs for Sephora Credit Card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
Sephora Credit Card has a variable purchase APR starting at 25.74%. Sephora Credit Card does not offer balance transfers.

Does Sephora Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers. Sephora Credit Card does not offer balance transfers.

Does Sephora Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Sephora Credit Card?

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $41 .

What is the customer service phone number for Sephora Credit Card?

The customer service number for Sephora Credit Card is (185) 579-69632.

How do people rate the customer service and user experience of Sephora Credit Card?

Overall, Sephora Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

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

Yes, Sephora Credit Card reports to the following credit bureaus:
  • 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 build your credit.

Does Comenity Bank perform a hard credit pull?

Yes, Sephora Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Sephora Credit Card

  • Visit the website of Sephora Credit Card.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020
(877) 737-4672
Visit Site

Hours of Operation

Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Sephora Credit Card Community Reviews

Would you recommend Sephora Credit Card to your friends?

Paris B. avatar image

Paris B.

May 31, 2023

May or may not recommend

This is extremely piss poor of a credit card, these people do a hard pull on your credit not only that but when it's time to pay your bill online the "system" ALWAYS has a "glitch" and when you call customer service to pay the bill they will transfer you. When I tried to insist on closing the account they tried to threaten me stating that I should get an ...Show More

SJ

Sam J.

May 30, 2023

May or may not recommend

Don't get this card, this people r going to rip you off, they going to take your payment n then they going to still the money from your bank , when you going to call them they going to blame you, n they going to charge you check return fees, $30 to $40, which they not going to give you back, how many time you call them,they going ...Show More

Tc Gulnur A. avatar image

Tc Gulnur A.

May 10, 2023

May or may not recommend

If I could rate it "no star" I would. The customer service is ridiculous. Payment takes more than a week to post??? I just got off the phone with a manager and his explanation was so dumb. Talking about what my last statement balance was and tells me each transaction after the statement date one by one. And my running balance and available balance is still off by my last ...Show More

U

Anonymous

Aug 26, 2022

May or may not recommend

Comenity bank seems to be completely incompetent. I was unable to use my credit card points before they expired, and all Sephora customer service could tell me was basically there are issues with Comenity that will be fixed someday. Cancelling this card.

CP

Catherine P.

Aug 2, 2022

May or may not recommend

Getting through to Community Bank for the Sephora Card for any reason whatsoever is nearly impossible!!! I tried several numbers and went through a barrage of questions plus pressed a couple of numbers and EACH AND EVERY TIME I got cut off!! The call was always just cut off at the point where I would normally be holding for a representative. This is TERRIBLE CUSTOMER SERVICE ON ...Show More

Showing 5 of 5 reviews

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