Retail card · Bread Financial
Sephora Credit Card
Sephora Credit Card is the card for Sephora shoppers: 4% back at Sephora, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Bread Financial |
|---|---|
| Network | Visa |
| Type | Retail |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 4% back at Sephora, and 1% back on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
4% back at Sephora, and 1% back on everything else.
Who it is built for
Built for people who shop at Sephora regularly.
Current details — visit the official Sephora Credit Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Bread Financial
Other cards from the same issuer in this library.
- Ulta Beauty Rewards Mastercard · Retail · No annual fee (as of 2026)
- Victoria's Secret Angel Card · Retail · No annual fee (as of 2026)
- Williams Sonoma Visa · Retail · No annual fee (as of 2026)
More Retail cards
Amazon Prime Visa
5% back at Amazon and Whole Foods Market for Prime members, 2% back at restaurants, gas stations and on local transit and commuting, and 1% back on everything else.
Amazon Store Card
5% back at Amazon for Prime members (3% back for non-members), in the form of a statement credit.
BJ's One+ Mastercard
5% cash back at BJ's, 2% cash back on dining and gas, and 1% cash back on everything else.
Bloomingdale's Credit Card
3% back in rewards at Bloomingdale's, 2% back at restaurants, and 1% back on everything else.
Frequently asked questions
What is the Sephora Credit Card?
Sephora Credit Card is the card for Sephora shoppers: 4% back at Sephora, with no annual fee as of 2026.
Does the Sephora Credit Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Sephora Credit Card earn?
4% back at Sephora, and 1% back on everything else.
Who issues the Sephora Credit Card?
The Sephora Credit Card is issued by Bread Financial and runs on the Visa network.
Sources
- https://www.sephora.com/credit-card — Sephora's card page
- https://www.breadfinancial.com/ — Issuer's site
Page last updated 14 November 2026.