Sephora Credit Card Credit Score & Other Requirements Detailed

Short Answer: You usually need a credit score that is at least in the high 600s for Sephora Credit Card, Sephora Visa Credit Card, or Sephora Visa Signature Credit Card approval. In addition to your credit score, credit card issuer Comenity will consider your income and overall creditworthiness. For more details about your Sephora credit card approval odds, see below.

Sephora Credit Card Approval Odds

Sephora’s credit card issuer, Comenity Capital Bank, considers your credit profile and other creditworthiness factors when determining whether it will approve you for a Sephora credit card. However, neither Sephora nor Comenity provides information about the required credit score for Sephora’s credit cards or which bureaus it pulls from.

We contacted customer service representatives for Comenity and Sephora, but they were unable to give us details about the exact credit score requirements. We were able to confirm that the store-branded credit card generally needs at least “fair” credit, while, Visa-branded credit cards need “good” credit. Note that Comenity will also consider other factors, such as your overall credit history (including missed payments) and income.

“Fair” and “Good” Credit

The descriptions of “fair” and “good” credit may sound vague, but the Consumer Financial Protection Bureau and the credit bureau Experian note that consumers with fair credit generally have scores of around 600 to 670 and good credit is generally above 670.

A report by the CFPB also found applicants with scores of 720 or better received approvals roughly four out of five times; those with scores ranging from 660 to 720 received approvals three out of five times, and those with scores below 660 had more than half of their applications rejected. (Note that this report considers all credit cards, not just Sephora’s cards.)

Lower credit scores will lead to APRs in the mid to high twenties for Sephora’s Visa-branded cards, while better credit scores will see APRs in the high teens. The APR for the store-branded card is always in the mid to high twenties. For more details, see the rate and fee summaries.

Application Process

Sephora has three credit cards: a closed-loop Sephora Credit Card (which you can only use at Sephora) and open-loop Sephora Visa and Sephora Visa Signature cards. All three cards use the same application; Comenity will consider you for the three cards and choose one based on your creditworthiness if you qualify.

To apply for a Sephora credit card, you must be the age of majority in your state and provide a government-issued photo ID, social security number, and address. You can visit Sephora’s website to apply online.

After you apply, you’ll likely receive an instant decision; Comenity is one of many credit card issuers that offers instant approval (as previously reported).

Credit Card Benefits & Features

All of Sephora’s credit cards offer much the same in terms of benefits, which include:

  • 15% off of your first Sephora purchase when made within 30 days of your account opening
  • 4% back in rewards on all online and in-store Sephora purchases
  • No annual fee
  • Automatic enrollment in the Sephora Beauty Insider program

The Sephora Visa and Sephora Visa Signature Credit Cards have a few additional advantages, such as:

  • 1% back in rewards for all purchases made in stores other than Sephora
  • A $20 reward if you spend $500 at stores other than Sephora within 90 days of your account opening