Sephora Credit Card Current Credit Card Agreements

The Sephora Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 32.25% purchase APR and no annual fee. The purchase rate sits at roughly the 77th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Sephora Credit Card Current Credit Card Agreements. The filing runs eight pages.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate in context

At 32.25%, the purchase APR falls at roughly the 77th percentile of the 2,280 filings indexed here, which sits in the more expensive half.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What a balance actually costs

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $1,141 in interest.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $404 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $80.55.

There is also a floor: the filing sets a minimum interest charge of $3, so any cycle that accrues less than that is billed at $3 anyway.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Default pricing

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The $3 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

This is one of 100 Comenity Capital Bank agreements collected here. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 32.25% is more expensive than 15 of them.

34 of the issuer's other 89 disclosing filings are likewise fee-free.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The filed PDF is linked from this page and runs eight pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 32.25% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.