Sephora Store Card Calculator

Sephora Rewards Calculator for the Sephora Store Card. Calculate total rewards based on your spend and compare side-by-side top rewards credit cards.
Updated 2021-02-18 By Robert Flowers III

The Sephora Store Card (also known as Sephora Credit Card) is a networkless rewards card that can be used in-store at Sephora and online at The card is just as good as the VISA version since you'll still be earning a very nice 4% back in Sephora Credit Card Rewards which is in addition to the Beauty Insider Points you'll normally earn. The VISA version gives you the ability to earn Sephora Credit Card Rewards anywhere you shop, but it's only 1% back which can be beat by many credit cards.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Sephora Store Card does not have a network which means it can only be used in-store or online directly with Sephora. There's no limit to the amount of Sephora Credit Card Rewards you can earn spending on the card.

  • 4% Sephora
    • Sephora purchases count as spending done in-store at Sephora or online at
    • This card cannot be used at Sephora's inside JCPenney's or on

Perks & Benefits

The Sephora Store Card offers exclusive cardmember-only offers.

  • Exclusive Cardmember-Only Offers

Sign Up Bonus

The Sephora Store Card offers a first purchase discount that you can use the day you apply and are approved for the card. The discount is usually 15% off and is the same first purchase discount offered on the Sephora Visa Card. The VISA card also comes with an additional sign up bonus.


Annual Fee

The Sephora Store Card does not have an annual fee.

Authorized User Fee

There is no authorized user fee for the Sephora Store Card. If you have others that spend at Sephora, adding them can help you build your Sephora credit card rewards faster.

Foreign Transaction Fee

The Sephora Store Card cannot be used outside of U.S. so a foreign transaction fee does not apply.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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