By 2022, the average consumer will I spent about $210 a month. I spend over $2,500 a year on makeup, hair care, and skin care. Wow, that’s a lot of money.
Spending money on self-care can be fun and relaxing, but there are plenty of ways to cut back on your spending. If you want to make the most of your rewards when buying your favorite beauty products, a Sephora credit card could help.
Free gift with $30 purchase at Sephora
Read on to find out how the Sephora credit card works and whether it’s worth adding to your wallet.
Sephora credit card details
It can be a little confusing to understand how Sephora’s credit card system works.
Sephora offers three types of credit cards.
| Sephora Credit Card | This is the most basic card and can only be used in Sephora stores or on Sephora.com, but not at Sephora kiosks inside other stores, such as Kohl’s. |
| Sephora Visa Credit Card | The card can be used at any Sephora store (and gets you extra rewards), but it can also be used outside of Sephora stores. |
| Sephora Visa Signature Credit Card | The main difference between this card and the Sephora Visa Credit Card is that this card also comes with additional benefits such as Visa Signature Travel, Visa Concierge, and Roadside Dispatch. |
The Sephora Card has no annual fee and will give you 25% off your first purchase within 30 days of getting your card, redeemable in-store or online.
And unlike many other retail credit cards, the 25% discount can be used on any product or service, perfect if you want to splurge on a pricey item like a Dyson Airwrap. But to qualify for the 25% discount, the entire purchase price must be paid on the card.
Shopping at Sephora
To entice shoppers to sign up, the Sephora Visa Signature credit card offers a sign-up bonus (up to $150 these days) once you meet a minimum spending requirement — Sephora purchases don’t count toward the spending requirement — and you’ll get $20 in rewards at Sephora after you spend $500 outside the beauty chain.
Earn 4% cash back when you use your Sephora credit card at Sephora stores or on Sephora.com. Plus, earn 2x Beauty Insider points for every dollar you spend at Sephora. If you don’t have a Sephora credit card, you’ll only earn 1x points. If you have a Sephora Visa Signature credit card, you’ll earn 1% cash back on all non-Sephora purchases.
| Sephora Credit Card | Sephora Visa Signature Credit Card | |
| 25% off coupon for your first purchase with your card | X | X |
| 4% cash back at Sephora | X | X |
| Beauty Insider Points x2 | X | X |
| 1% cash back on non-Sephora purchases | X | |
| Sign-up Bonus | Sign up offers are subject to change, see the latest offers here. | |
| No annual fee | X | X |
Sephora has special days throughout the year where you can earn more points than usual if you have a Sephora credit card.
Before you apply for a Sephora credit card…potential drawbacks to consider
High APR. The basic Sephora credit card APR is currently 31.99%, while the Sephora Visa or Sephora Visa Signature APR will be 31.99% or 23.24%, depending on your credit score and other factors.
Restrictions on where the card can be used. If you only have a basic Sephora credit card, you can only use it at Sephora or Sephora.com. It may not be worth it to have a credit card that can only be used at one store.
When will the card be available for use?
Once approved, you can use your card right away – no need to have the physical card with you. Once approved, you’ll be sent a temporary credit card number to use and get instant access to your 25% off coupon.
It will take 7-14 days to receive your physical card, but you don’t need to bring it with you when you shop at Sephora – if you forget your card at home, a Sephora representative can look up your account for you.
Sephora Credit Card Alternatives
Ulta Beauty Rewards Credit card. Ulta is one of Sephora’s main competitors and a favorite among beauty enthusiasts. If you want a card dedicated to beauty and skincare purchases, Ulta Beauty Rewards is a great choice.
A credit card may be a better choice, as Ulta carries not only drugstore brands but also top-shelf and luxury brands, which is another way to save money.
With the Ulta card, you can earn 2x points at Ulta, and like the Sephora card, there’s no annual fee.
US Bank Shoppers Cash Rewards Visa Signature Card. If you love shopping for drugstore beauty brands, the U.S. Bank Shopper Cash Rewards Visa Signature Card might be the best option for you. You can choose which retailers you want to earn more cash back at, including stores like Target, Nordstrom, Walmart, and Amazon.com, the latter two of which are some of the most popular places to buy beauty products.
Earn 6% cash back on purchases totaling up to $1,500 each quarter at two retailers of your choice. There’s no annual fee in the first year, but a $95 annual fee thereafter. Earn 3% cash back on certain categories you choose and 1.5% cash back on all other purchases.
More Sephora Credit Card Tips
How do I get a Sephora credit card?
You can get a Sephora Credit Card by filling out a card application online, in-store or through the Sephora app, available for both iPhone and Android devices.
Can I pay my Sephora credit card bill in-store or online?
You can pay your Sephora credit card bill through your online account. You cannot pay your credit card bill in-store.
Where can I use the Sephora Credit Card?
Where you can use your Sephora card depends on the type of card you have. If you have a basic Sephora credit card, you can only use it at Sephora or Sephora.com. Also, keep in mind that you can’t use it at Sephora kiosks inside third-party retailers like Kohl’s. You can only use it in Sephora’s brick-and-mortar stores.
However, if you shop at a Sephora kiosk at Kohl’s, you can use your Sephora Visa card or Sephora Visa Signature card.
And if you have a Sephora Visa or Sephora Visa Signature card, you can use it at most other retailers too.
Other retailers.
The post How to Save on Your Next Beauty Purchase with a Sephora Credit Card appeared first on The Real Deal by RetailMeNot.
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