Sephora runs two Comenity Bank co-branded credit cards: a store-only card and a general-purpose Visa. Both share the same headline reward (4% back in Reward Dollars at Sephora, plus double Beauty Insider points) and no annual fee — the difference is where you can use the card and the APR structure.
Store-only vs. Visa
The My Sephora Credit Card works exclusively at Sephora stores and sephora.com. The Sephora Visa Credit Card is the general-purpose version — usable anywhere Visa is accepted, adding 1% back on non-Sephora purchases, but typically requiring stronger credit for approval.
No introductory APR period
Neither Sephora card offers an introductory 0% APR period. The store card carries a flat 31.99% standard APR; the Visa version's APR ranges 23.24%-31.99% based on creditworthiness (both verified August 2026). Because there's no promotional rate to lean on, these cards work best for shoppers who pay their balance in full every cycle — otherwise the interest cost outweighs the 4% Sephora rewards rate within a purchase cycle or two.
Our methodology
Every figure above is attributed to Comenity Bank and Sephora's own published disclosures, verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Rates and terms change — confirm current terms at sephora.com/beauty/credit-card before applying. See our full review methodology for how we score cards.