Several rewards credit cards offer airline companion tickets as a standard benefit or as a reward for spending. Some of these companion fares are fairly easy to use, while others are more restrictive. Knowing the rules in advance will help you get the most out of them when you're ready to redeem.
Sephora Visa Credit Card review: Only for Sephora devotees
06.08.2024 - 17:50 / thepointsguy.com
The Sephora Visa Credit Card offers a strong return on Sephora purchases. However, its limited earning rates outside of Sephora and its restrictive redemption options make it a poor choice for most shoppers. Card rating*: ⭐⭐½
Typically, we advise against store credit cards here at TPG. While store cards usually have decent earning rates for their specific store, most shoppers are better off skipping these cards and keeping a more general cash-back or travel rewards credit card in their wallets instead.
The Sephora Visa Credit Card is no exception. As tempting as it is to sign up for the card when a salesperson or online checkout asks if I want to save 25% on my Sephora purchase, I always decline.
It is important to note that there are two versions of the Sephora Card: the Sephora Credit Card and the Sephora Visa Credit Card. The first is a closed-loop option, meaning you can only use (and earn rewards on) it at Sephora. The Sephora Visa Credit Card, meanwhile, can be used and earns rewards anywhere Visa is accepted.
Since the Visa version is the most similar to other cards we cover at TPG, I'm focusing this review on it rather than the closed-loop card.
This Sephora Visa has no annual fee and a recommended credit score of 670 or above. Now, let's dive into the card details to see why it's not a fit for me but could be for you.
The information for the Sephora Credit Card and the Sephora Visa Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Now through Sept. 25, new cardholders can earn $150 in Sephora Credit Card Rewards after spending $1,500 in the first 90 days of account opening.
In addition to this welcome offer, new cardholders will get 25% off their first Sephora purchase when they use their card at Sephora within the first 30 days of account opening. There are no product or service exclusions to this discount, so it's possible to get significant value from it if you're spending a lot at Sephora at once.
It's not hard to find a more valuable welcome offer on a cash-back card, but you can get a lot of value from the Sephora Visa by earning the welcome offer and taking advantage of the 25% discount.
Related: The best credit card welcome offers currently available
The most significant benefit of the Sephora Visa is that it allows cardholders to earn double Beauty Insider points on Sephora purchases.
Beauty Insider, Sephora's loyalty program, is free to join and allows members to earn points on Sephora purchases. Members can cash in 500 points for a $10 discount.
Noncardholders earn one Beauty Insider point per dollar spent, but cardholders earn 2 points per dollar spent, giving them a 4% return in
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