Comenity Bank
My Sephora Credit Card Review 2026
Store-only card earning 4% back in Reward Dollars plus double Beauty Insider points at Sephora.
Who My Sephora Credit Card is best for
Frequent Sephora shoppers already enrolled in Beauty Insider who pay their balance in full.
At a glance
- Annual fee
- $0
- Purchase APR
- 31.99%
- Sephora rewards
- 4% back
- Beauty Insider points
- 2x
Per Comenity Bank / Sephora, verified Aug 2026
Standard APR — verified Aug 2026, no intro period
In Reward Dollars on every Sephora purchase
2 points per $1, vs. 1 point/$1 standard rate
Pros
- +4% back in Reward Dollars on every Sephora purchase — one of the stronger store-card rates
- +Doubles Beauty Insider points (2 pts/$1 instead of 1)
- +25% off first purchase when you open and use the card
- +No annual fee
Cons
- −31.99% APR with no introductory period — high cost to carry a balance
- −Store-only: works at Sephora only, not a general-purpose card
- −4% rate is lower than the Sephora Visa's combined earn potential outside Sephora
- −Rewards value is tied to Sephora purchases only — no cash redemption
My Sephora Credit Card requirements
- Store-card approval range (fair-good credit typical)
- US residents 18+
- Hard credit pull required
My Sephora Credit Card alternatives
Top alternatives worth comparing from Sephora Credit Card: Complete 2026 Guide (Store Card vs. Sephora Visa).
Comenity Bank
Sephora Visa Credit Card
Want to earn rewards outside Sephora too — general-purpose Visa version
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
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See all picks in Sephora Credit Card: Complete 2026 Guide (Store Card vs. Sephora Visa)
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
My Sephora Credit Card scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Frequent Sephora shoppers already enrolled in Beauty Insider who pay their balance in full.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about My Sephora Credit Card
How much cash back does the Sephora Credit Card earn?+
The Sephora Credit Card earns 4% back in Reward Dollars on every purchase at Sephora, plus 2 Beauty Insider points per $1 spent (double the standard 1 point/$1 rate), per Comenity Bank/Sephora terms (verified August 2026). This is the store-only version — it earns rewards on Sephora purchases only.
What's the difference between the Sephora Credit Card and the Sephora Visa?+
The My Sephora Credit Card (this card) is a store-only card usable at Sephora and sephora.com. The Sephora Visa Credit Card is the general-purpose version — it earns the same 4% at Sephora plus 1% back everywhere else Visa is accepted. See our Sephora Visa Credit Card review for the general-purpose version.
Does the Sephora Credit Card have an intro 0% APR offer?+
No. Per Comenity Bank terms (verified August 2026), the Sephora Credit Card carries a standard 31.99% APR from account opening with no introductory 0% period. Plan to pay your balance in full each cycle to avoid interest charges that would outweigh the 4% rewards rate.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the My Sephora Credit Card. The card is issued by Comenity Bank and is a product of Sephora USA, Inc.. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at sephora.com/beauty/credit-card before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.