Sephora Credit Card Rewards
Maximize your rewards with the best credit cards for Sephora
MCC Code
5977
Cosmetic Stores
Eligible Cards
3
Cards earn rewards
Top Rate
2x miles
No cap
Quick Answer
The best credit card for Sephora is Capital One Venture X, earning 2x miles
With no cap, this card is ideal for offline spending at Sephora. Alternative options include Citi Double Cash.
Best Credit Cards for Sephora
Capital One Venture X
No restrictions
2x miles
No cap
Special Conditions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Blue Cash Everyday
Included in whitelist
3% cash back
$6,000 per year in each category, then 1%
Special Conditions
Earns 3% at US supermarkets, US gas stations, and US online retail (select merchants). $0 annual fee first year, then $95.
Citi Double Cash
No restrictions
2% cash back
No cap
Special Conditions
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Sephora?
Sephora uses MCC code 5977, which stands for “Cosmetic Stores”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Sephora?
The best credit cards for Sephora include:
- Capital One Venture X- 2x miles (no cap)
- Citi Double Cash- 2% cash back (no cap)
- Blue Cash Everyday- 3% cash back ($6,000 per year in each category, then 1%)
Is Sephora classified as online or offline spending?
Sephora is classified as offline spending. This affects card eligibility - some cards only earn rewards on offline transactions. For example, some cards only bonus online purchases, while others only bonus in-person purchases or portal bookings. Always check the merchant's MCC and any issuer caveats before assuming the bonus will post.
How can I maximize rewards at Sephora?
To maximize rewards at Sephora:
- Use Capital One Venture X for 2x miles on all transactions
- Be mindful of the monthly cap: no cap
- Consider pairing with Citi Double Cash for additional categories
- Track your spending to stay within bonus category limits