If you stock up on hair color, styling tools, and salon supplies at Sally Beauty, its store card promises 2.5 points per dollar and member perks. But a 35.99% APR means the rewards only make sense if you pay in full each month. Knowing the exact numbers helps you decide whether this card belongs in your wallet.
This review breaks down the Sally Beauty Rewards Credit Card in detail as of June 2026, then covers flexible alternatives if you want a card you can use beyond Sally Beauty.
Key Facts at a Glance
| Feature | Sally Beauty Rewards Credit Card |
|---|---|
| Issuer | Comenity Capital Bank |
| Network | Store-only (Sally Beauty purchases) |
| Annual fee | $0 |
| Purchase APR | 35.99% variable (as of June 2026) |
| Rewards | 2.5 points per $1; 500 points = $5 reward |
| Welcome bonus | 20% off your first purchase up to $50 |
| Score needed | Typically ~670 to 799 (good to excellent) |
| Reports to bureaus | Comenity typically reports to all three |
Who Issues It and Where You Can Use It
The Sally Beauty Rewards Credit Card is issued by Comenity Capital Bank, a major store-card lender. It is a store-only card, so you can use it for purchases at Sally Beauty but not as a general Visa or Mastercard elsewhere.
That single-merchant limit matters. If your spending is spread across many stores, a card that works everywhere will give you more value. A credit card that builds credit without a deposit can do double duty as an everyday card and a credit builder.
Rewards: Points and the $5 Certificate
The card earns 2.5 points for every dollar you spend at Sally Beauty. Once you reach 500 points, you receive a $5 reward certificate. Since 500 points come from $200 of spending, that works out to roughly 2.5% back in store credit.
That is a solid rate for a store card, but the value is locked into Sally Beauty. The points have no cash value outside the store, so the rewards function as a loyalty discount rather than flexible cash back. New cardholders can also get 20% off their first purchase, up to $50, when they open and use the card right away.
APR and Fees: The Catch
The card's main drawback is a 35.99% variable purchase APR, which sits near the top of the store-card range. At that rate, carrying even a small balance for a few months can erase the points you earned. Paying in full each statement is the only way the rewards stay ahead of the interest.
On fees, there is no annual fee and no monthly maintenance fee. The costs to watch are standard Comenity penalty fees, including late fees and a charge of up to $15 for expedited payments made over the phone. Because it is store-only, foreign transaction fees do not come into play.
Approval Odds and Credit Reporting
Approval odds are best for applicants with good to excellent credit, typically in the 670 to 799 range, which is stricter than some other store cards. Comenity does not publish a hard cutoff, and you can sometimes check prequalified offers with a soft pull before applying.
Comenity generally reports to all three major bureaus, Experian, Equifax, and TransUnion. That means on-time payments can strengthen your credit, while late ones can hurt it. To see how account activity moves your number, our credit score calculator breaks down what counts most.
Alternatives if You Want More Flexibility
A card locked to one beauty retailer is limiting, especially with such a high APR. If you want rewards you can spend anywhere while still building credit, a general card is usually the smarter move.
The Aspire Cash Back Rewards Mastercard is one option, since it earns cash back usable anywhere Mastercard is accepted rather than store-only points. That makes it a more versatile pick for everyday spending.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If you want to spread out a larger purchase without a hard credit check, the Perpay Credit Card lets you pay over time through payroll deductions and reports to the bureaus, which can help shoppers rebuilding their credit.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
For someone whose main goal is building credit rather than earning store points, the Current Build Card uses everyday spending to report payment activity, with none of the high APR risk a store card carries. If you are weighing your options, our breakdown of a credit builder card vs secured card shows which path fits your situation.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
Is the Sally Beauty Rewards Card Worth It?
The Sally Beauty Rewards Credit Card fits a frequent Sally Beauty shopper who pays the balance in full every month and wants the 2.5 points per dollar plus member perks. In that narrow case, the rewards add up. For everyone else, the 35.99% APR and store-only use make a flexible cash-back card the better choice.
If your real goal is building credit, compare this against a secured credit card and its deposit or a no-deposit builder first. And if you already carry store-card balances, our guide on how to improve your credit score can help. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
What credit score do I need for the Sally Beauty Rewards card?
There is no published minimum, but approval odds are best for applicants with good to excellent credit, roughly 670 to 799. That is stricter than many store cards. You can sometimes check prequalified offers with a soft pull before a formal application triggers a hard inquiry.
How many points does the Sally Beauty card earn?
The card earns 2.5 points for every dollar spent at Sally Beauty. You receive a $5 reward certificate for every 500 points, which is about 2.5% back in store credit. The points have no value outside Sally Beauty.
Does the Sally Beauty card have an annual fee?
No. There is no annual fee and no monthly maintenance fee. The cost to watch is the 35.99% purchase APR, plus penalty fees like late charges and a fee of up to $15 for expedited phone payments.
Can I use the Sally Beauty card anywhere?
No. It is a store-only card, usable for purchases at Sally Beauty. It is not a general Visa or Mastercard, so you cannot use it at other stores. If you want a card that works everywhere, a co-branded or general rewards card is a better fit.
Terms and conditions apply. APRs vary by creditworthiness. This article is educational and not financial advice.
