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It's very common for retailers to offer their own co-branded credit card options. When consumers visit these retailers, they are commonly prompted by cashiers with the opportunity to apply for the store's credit card during checkout. Many of these cards offer rewards, access to special sales and more, and as a result, most consumers apply for these cards, but does it always work out that way? It's no doubt that if you frequent a specific retailer, like Sephora store, applying for the Sephora Credit Card could save you money. But if you don't shop there often would this card or a regular rewards credit card be better?
Here we're comparing basic features of two credit cards. As an example, we took Sephora credit card and compared its terms to those of a regular rewards credit card. This simple side-by-side comparison can help you understand which card is worth applying.
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
0% Intro APR (14 months on Purchases) | 11.99% - 22.99% Variable APR | $0 |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
0% (15 months on Purchases) | 13.49% - 23.49% (Variable) | $0 |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
0% (6 months on Purchases) | 12.99% - 21.99% Variable APR | $0 |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
N/A | 13.99% – 23.99% (Variable) | $0 |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
N/A | 15.99% - 24.99% (Variable) | $99, waived for first 12 months |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
0% (14 months on Purchases) | 11.99% - 22.99% Variable APR | $0 |
Intro APR on Purchases | Regular APR | Annual Fee |
---|---|---|
0% (18 months on Purchases) | 14.74% - 24.74% (Variable) | $0 |
Card Type | Credit Check | Rewards Program |
---|---|---|
Limited credit history should never stop you from applying for a credit card. In fact, your limited credit is better than bad credit in the eyes of the creditors because you've just recently started and haven't had a chance to spoil your credit history. Therefore, there are a lot of credit cards offered and you will have something to choose from.
People with limited credit can find unsecured credit card offers. Credit cards may even have rewards or no annual fees. Interest rates vary, but if you pay off the card balance in full each month, you won't pay a penny of interest. Some store credit cards may also be available to those with limited credit, but their main disadvantage is credit limit, which is extremely low. So, if you do not want your credit card to be maxed out, consider regular credit cards with bigger limits.
Sign-up for their Beauty Insider program. It's a good first step when it comes to trying to get more out of your Sephora purchases. When making a large purchase, it can sometimes be a good idea to use a general rewards credit card, so...
Apply for a general credit card that can be used to complete your Sephora purchases. This same logic applies to any store that doesn't offer their own credit card. A good option to consider when looking for an everyday card is a general...
Yes, we do. The world of credit cards is very big. Just because there is no Sephora card, you don't have to worry about not being able to make your purchase. If you take a look at all of the cards that are currently being offered by...
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