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Are you a beauty lover who spends hours scrolling through Sephora’s latest drops? Ever wondered if the Sephora Visa could actually save you money or if it’s just another shiny card in your wallet? Whether you’re searching for how to pay your Sephora card, the perks of the Sephora Visa credit card, or what “Comenity Sephora” even means, you’re in the right place. Let’s break down what real shoppers need to know—without the fluff.

What Is the Sephora Visa Credit Card?

The Sephora Visa credit card is more than just a way to pay for your next lipstick haul. Issued by Comenity Bank, this card lets you earn rewards not only at Sephora, but anywhere Visa is accepted. There are actually two main versions:

• Sephora Credit Card: Only works at Sephora stores or on Sephora.com.
• Sephora Visa Credit Card: Works anywhere Visa is accepted, plus extra rewards at Sephora.

Both cards have no annual fee and offer a sweet 25% off your first Sephora purchase after approval.

Sephora Visa Perks: What’s in It for You?

Let’s talk real benefits. Here’s what you get with the Sephora Visa:

• 4% back in rewards on every $1 spent at Sephora U.S. stores or Sephora.com.
• 2x Beauty Insider points on Sephora purchases.
• 1% back in rewards on all other Visa purchases.
• Exclusive cardholder discounts and early access to sales.
• No annual fee—so you’re not paying just to keep the card.

If you’re a frequent shopper, those rewards can add up fast. Plus, you can use the card anywhere Visa is accepted, not just at Sephora.

Is the Sephora Credit Card Worth It?

This is the big question. Here’s the honest scoop:

When the Sephora Visa Makes Sense

• You shop at Sephora often: The 4% back and double points are a real bonus for beauty addicts.
• You want to earn everywhere: Use it for groceries, gas, or travel and still rack up rewards.
• You love perks: Early access to sales and exclusive offers can mean extra savings.

When to Think Twice

• You don’t shop at Sephora regularly: Other cash-back cards might offer better rewards for everyday spending.
• You want flexible rewards: Redemption options are mostly tied to Sephora, so if you want cash or travel points, look elsewhere.
• You’re worried about interest: Like most store cards, the APR can be high if you carry a balance.

How to Pay Your Sephora Card

Paying your Sephora Visa or Sephora credit card is easy. You can:

• Log in to your account at the Comenity Sephora portal.
• Use EasyPay for quick payments.
• Set up autopay so you never miss a due date.

Does Sephora Take Cash?

Yes, you can still pay with cash at most Sephora locations in the U.S. They also accept major credit cards, Apple Pay, Google Pay, Klarna, and Sephora gift cards. Personal checks are not accepted.

Quick Comparison Table

Final Thoughts: Should You Get the Sephora Visa?

If you’re a Sephora devotee, the Sephora Visa can be a fun way to boost your rewards and get exclusive perks. The no annual fee is a huge plus, and the ability to pay your Sephora card online or in-store is super convenient. But if you only shop for beauty occasionally, a general cash-back card may be a better fit.

Pro Tip: Always pay your balance in full to avoid high interest charges. And don’t forget to use your Beauty Insider account to stack up even more rewards!

Upgrade your beauty game. Apply for the Sephora Visa and see if you pre-qualify today.

If you're a small business owner wondering what banks do SBA loans or who does SBA loans, you're in the right place. SBA loans are a popular financing option backed by the U.S. Small Business Administration, but the loans themselves come from approved lenders like banks, credit unions, and specialized financial institutions. Choosing the right SBA lender can make a big difference in your loan approval process, interest rates, and overall experience.

In this detailed guide, we’ll cover the best SBA lenders for 2025, explain how SBA loans work, and give you tips on finding the best banks for SBA loans that fit your business needs.

What Are SBA Lenders and How Do SBA Loans Work?

SBA lenders are financial institutions authorized by the SBA to offer loans partially guaranteed by the government. This guarantee reduces the lender’s risk, allowing them to offer more favorable terms such as lower down payments, longer repayment periods, and competitive interest rates.

The SBA doesn’t lend money directly; instead, it partners with these lenders to help small businesses access capital. SBA loans come in various types, with the most common being:

• SBA 7(a) loans: The most popular loan type, used for working capital, equipment, real estate, and debt refinancing.
• SBA 504 loans: Designed for purchasing fixed assets like real estate or large equipment, often involving a Certified Development Company (CDC) alongside a bank.
• SBA Microloans: Smaller loans (up to $50,000) offered through nonprofit intermediaries to help startups and small businesses.

Who Are the Best SBA Lenders in 2025?

Based on loan volume, approval rates, and borrower experience, here are some of the top SBA lenders to consider:

1. Newtek Bank

Newtek Bank is currently the most active SBA lender by total loan amount, having issued over $1 billion in SBA 7(a) loans in fiscal year 2025. They serve U.S.-based, for-profit businesses with at least two to three years of tax returns. Newtek offers personalized service with a dedicated lending specialist who guides you through the entire process.

2. Huntington National Bank

Huntington approved the most SBA 7(a) loans in fiscal year 2024 and continues to be a top lender in 2025. They offer loans up to $5 million with down payments as low as 10%, along with SBA Express loans for faster access to smaller amounts. Huntington also runs the Lift Local Business Program, supporting minority-, women-, and veteran-owned businesses with financial education and SBA loan assistance.

3. Northeast Bank

Northeast Bank is a top lender by number of loans approved and total loan amount. Based in Maine, it offers SBA 7(a) loans up to $500,000 and streamlines the application process through online tools, making it easier for borrowers to apply with fewer documents.

4. Readycap Lending

Readycap Lending, a subsidiary of Ready Capital, has issued over $550 million in SBA 7(a) loans in 2025. They provide loans ranging from $350,000 to $5 million for business expansion, equipment purchase, working capital, and refinancing.

5. Live Oak Banking Company

Live Oak Bank is the second-most active SBA 7(a) lender by dollar amount and offers an online-based application process nationwide. They provide loans up to $5 million with up to 90% financing and typically require a 10% down payment. Live Oak also offers SBA 504 loans for larger projects.

6. JPMorgan Chase Bank

JPMorgan Chase, one of the largest banks in the U.S., offers SBA 7(a) loans up to $5 million and SBA Express loans up to $500,000. They provide SBA 504 loans for equipment and real estate purchases, with dedicated loan officers to assist borrowers.

7. Lendistry

Lendistry is a minority-led community development financial institution that focuses on underserved communities. They offer SBA 7(a) loans between $25,000 and $5 million with an entirely online application process and personalized customer support.

8. TD Bank

TD Bank ranks among the top SBA lenders by loan approval count and offers SBA 7(a) loans up to $5 million, SBA 504 loans, and SBA Express loans up to $350,000.

9. BayFirst National Bank

BayFirst offers a fast funding SBA Bolt Loan program with amounts up to $150,000 and funding within days. They also provide standard SBA 7(a) loans up to $5 million.

10. Celtic Bank

Celtic Bank offers SBA 7(a) loans up to $5 million, Express loans up to $150,000, construction loans, and SBA loans over $5 million. They are a preferred SBA lender headquartered in Utah.

How to Choose the Best SBA Lender for Your Business

Finding the right SBA lender depends on your business needs and preferences. Here are some tips:

• Start with your current bank or credit union: Existing relationships can speed up approval.
• Use the SBA Lender Match tool: Answer a few questions on the SBA website to get matched with lenders suited to your needs.
• Compare loan terms: Interest rates, fees, repayment terms, and down payment requirements vary by lender.
• Ask about the application process: Does the lender assign a dedicated loan specialist? How long does approval typically take?
• Check if the lender is SBA Preferred: Preferred Lenders can approve loans faster without SBA review.

What Do SBA Lenders Look For?

To qualify for an SBA loan, lenders typically require:

• A credit score of at least 640.
• A solid business plan and financial statements.
• Proof of ability to repay the loan.
• Collateral for larger loans.
• Usually two or more years in business (some exceptions for microloans).

Final Thoughts on SBA Lenders

SBA loans can be a lifeline for small businesses, offering affordable financing with flexible terms. Choosing the right SBA lender is crucial to getting the best deal and a smooth application experience. Whether you go with a big bank like JPMorgan Chase or a specialized lender like Live Oak Bank, make sure to shop around, prepare your documents, and understand your options.

If you're looking for a straightforward cashrewards card that offers solid cash back without complicated tiers or rotating categories, the Navy Federal cashRewards Credit Card is worth considering. But are Navy Federal credit cards good? And how do you get a Navy Federal credit card? This review breaks down everything you need to know about Navy Federal’s cashRewards cards, including the new cashRewards Plus version, rewards rates, fees, and sign-up bonuses.

Two Versions of the Navy Federal cashRewards Card

Navy Federal offers two very similar cashRewards cards:

• cashRewards Plus Credit Card: Earns 2% cash back on all purchases.
• cashRewards Credit Card: Earns 1.5% cash back on all purchases.

You apply once and get approved for either card based on your credit limit and profile. If your credit limit is over $5,000, you’ll receive the 2% cashRewards Plus card. If it’s under $5,000, you’ll get the 1.5% cashRewards card. Plus, if you start with the 1.5% card and your credit limit increases to $5,000 or more, you’ll automatically be upgraded to the Plus card.

Both cards require you to be a member of Navy Federal Credit Union, which is generally limited to military members, veterans, their families, and Department of Defense employees.

Generous Sign-Up Bonuses to Boost Your Rewards

New cardholders can earn a $200 cash back bonus if they spend $2,000 within 90 days of account opening. Additionally, you get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership with your card within the first year.

Keep in mind that Walmart+ auto-renews annually, and you’ll be charged automatically unless you cancel.

Simple, Flat-Rate Cash Back on Every Purchase

One of the biggest advantages of the Navy Federal cashRewards cards is their simplicity. You earn a flat percentage back on every purchase with no rotating categories or confusing tiers to track.

• CashRewards Plus: 2% cash back on all purchases.
• CashRewards: 1.5% cash back on all purchases.

This makes it easy to maximize your rewards without worrying about activating bonuses or hitting spending caps.

Low Fees and Useful Perks

Both cards come with no annual fee and no foreign transaction fees, making them excellent for everyday use and travel abroad. There are also no balance transfer fees, which is rare for cash back cards.

Additionally, both cards include secondary rental car insurance, which covers eligible rentals up to 15 days if you decline the rental company’s collision damage waiver and pay with your card.

Choose Visa or Mastercard

When applying, you can select either a Visa or Mastercard version of the card. Both networks offer similar benefits, but there are slight differences in perks and acceptance, so it’s worth comparing before you apply.

How to Get a Navy Federal Credit Card

To apply for a Navy Federal cashRewards card, you must first be a member of Navy Federal Credit Union. Membership eligibility includes:

• Current or former military members.
• Immediate family members of service members or veterans.
• Department of Defense employees.

Once you confirm eligibility, you can apply online through Navy Federal’s website. The application process is straightforward, and approval decisions often come quickly. If approved, your card will arrive within about a week.

Who Should Consider the Navy Federal cashRewards Card?

• Military members and their families who want a simple, rewarding cash back card.
• Anyone looking for a no-fee card with a flat cash back rate.
• People who want to earn rewards without tracking categories or complicated point systems.
• Those who travel internationally and want to avoid foreign transaction fees.
• Cardholders who value rental car insurance as a perk.

Final Thoughts: Is the Navy Federal cashRewards Card Right for You?

The Navy Federal cashRewards cards offer competitive cash back rates, excellent perks, and no fees, making them some of the best cash back credit cards available for eligible members. The 2% cashRewards Plus card is especially attractive for those with strong credit who qualify for higher limits.

If you’re eligible for Navy Federal membership, these cards are definitely worth considering. For those who aren’t, similar cards like the Wells Fargo Active Cash® Card also offer simple, unlimited 2% cash back with no annual fee.

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