CosmoProf Credit Card Review | Top 6 Rewards, Login, Payment


Cosmoprof has earned its name by consistently providing customers with the best beauty care products and salon essentials in the grooming and makeover industry. The same company also provides its credit card to all those people who frequently keep making purchases from Cosmoprof. The prime purpose of this card is to provide customers with amazing offers and deals when they purchase any products from Cosmoprof.

It is worth handling the trouble of maintaining another credit card account if you’re a beauty professional and if you spend at least $4K per year buying beauty products or salon essentials at Cosmoprof or Sally Beauty. 

In this article, we’ve done an in-depth Cosmoprof Credit Card Review, in which we’re going to know more about how to apply for a Cosmoprof card, the login process, and much more details which will help you understand everything about this card.

Cosmoprof Credit card quick summary

  • Considering this credit card will be worth it if you frequently buy Cosmoprof or Sally Beauty beauty supplies of more than $4K annually. Once you cross the $4K per year spend limit, free shipping is unlocked at Cosmoprof.
  • You’ll be able to save 3% every time you shop at Cosmoprof with your Cosmoprof credit card, whereas with other cards generally, you will get a discount of 1.5%
  • With this card, you can unlock free shipping from sally beauty without any minimum spending limit.
  • As this card is specifically made for beauty professionals, they will ask for proof when you apply.

CosmoProf cards connection with the Comenity Bank

Comenity Bank is a credit card company with almost 92 credit programs for many U.S. retail stores, out of which one program is the Cosmoprof Credit card program. This bank issues both the Cosmoprof Comenity and Sally’s Comenity credit cards..

Comenity Bank is Bread Financial’s subsidiary, which was recently rebranded as Brad Savings. This subsidiary is significant because it hosts over 100 different credit card brands with high-interest rates. 

We’ve covered an article about the SalonCentric credit card company, which is associated with Comenity Bank; you can also look at it to compare both cards.

CosmoProf Credit Card Rewards

Below is the list of all the rewards that Cosmoprof provides with its credit cards: 

  • 3% discount on all purchases made at Cosmoprof stores 
  • Earn additional 2.5 points (beyond normal member rewards) on every dollar spent at sally beauty. 
  • Flat $10 off on your next Card purchase when the purchase amount is above $50
  • Surprise gift in your birthday month & on the anniversary day of your account opening 
  • When you spend $4k in a year, then you automatically get elevated to Cosmo Prof PLATINUM membership, with which you can get free shipping on purchases made above $150
  • After account opening, get $20 off on the future purchase of at least $50 

CosmoProf Credit Card Eligibility Criteria

Just like every credit card company Cosmoprof also has certain requirements which need to be fulfilled to get the Cosmoprof Credit card approved, given below is the list of all those requirements – 

  • The major weightage of the application’s approval depends on your credit score. 
  •  Although they consider all the other factors from your application (such as annual income, credit history, etc.), still having a credit score above 600 can be considered a good score for approval 
  •  It would help if you were 18 years old. 
  •  You need to have a government-issued photo ID and a tax identification number, e.g., Social Security Number (SSN)
  •  You need to be willing to provide a non-PO Box mailing address. 

How to do Cosmoprof Credit Card Login?

Here’re the steps that you can follow to log in using your card for Cosmoprof –

Step 1: Visit the login page of CosmoProf Credit Card:

Step 2: 

a) If you’re an existing user, then, Click on the “Log In” button, visible at the middle of the page, then on the new page you can enter the Login credentials and can enter into the account

b) If you want to apply for a new Cosmoprof Credit Card, then you visit the Sign Up page and can provide the required details and submit the application.

Once your application gets approved, you will receive your card in the mail within 7-10 business days.

How to pay Cosmoprof’s Credit Card Bill?

There are majorly four different ways through which Cosmoprof’s credit card bills can be paid:

  1. Paying bills online: You can visit the site and pay bills online. In this method, all you need to do is log in with your account and then go to the payments section to make the payment
  2.  Via phone call: With this method, you can call their customer service number and pay your bill
  3.  By sending a mail: You can send your bill payment amount to their mailing address 
  4.  Physically, with an offline visit to stores or bank: If you want to make your payment offline, then with this method, you can visit the nearest store of Cosmoprof or the nearby Comenity bank and make your bill payment 

Cosmoprof credit card Interest rate & Late fees

If you fail to pay your due bills before the due date, you’ll be charged late fees along with APR interest on the due amount. The late fees charged on the due payment depend upon various factors. 

Generally, the late fee on Cosmoprof’s credit card varies between $29 to $40, and the APR on this card is around 29.74%. So paying all your bills in full before the due date is always recommended to avoid paying extra amounts to companies.

Fees charged on Cosmoprof credit card are:

  • Late payment fee – $41
  •  Returned payment fee – $41
  •  Card annual fee – $0 

Minimum CosmoProf Credit Card Access Requirements

You must be a verified licensed beauty professional in the industry. You must have verified your professional standing with Cosmoprof before applying for a Cosmoprof credit card or Sally’s Beauty Credit Card.

You must enroll in the Sally Beauty Rewards program to get the most from your Cosmoprof rewards credit card. If you have a standing beauty professional account, you will be asked to provide the required information to sync your rewards membership benefits.

As this Cosmoprof credit card can only be used by professionals at Cosmoprof or Sally’s Beauty locations, there’s no use for making other payments. If you want to carry a temporary credit card balance, you should use other credit cards with lower interest rates.

CosmoProf Credit Card Perks

Given Below is the list of the perks that you can get while using a CosmoProf Credit Card:

  • Save 3% every time you shop at Cosmoprof using Cosmoprof Credit Card
  •  A flat $10 off on future purchases above $50
  •  Get upgraded to Cosmo Prof PLATINUM membership when you spend $4k in a year at Cosmoprof stores 
  •  You can get free shipping on card orders of $150 and above when you’re a PLATINUM member.
  •  Two surprise gifts in a year, one during your birthday month and the second on the anniversary of your account opening 
  •  You instantly become a Cosmoprof Gold cardholder when you open a new Cosmoprof Credit Card account 

Sally Beauty’s Perks When Using CosmoProf Credit Card

Given Below is the list of the perks that you can get while using a CosmoProf Credit Card:

  • You can get an extra 2.5 points for every dollar spent on your CosmoProf credit card on top of the rewards that Sally beauty members already earn 
  •  A flat 20% off on your next card purchase 
  •  Free standard shipping on credit card orders without any minimum order limit. (U.S. only)
  •  Additionally, surprise gifts on your birthday month and anniversary of account opening 

CosmoProf Credit Card Drawbacks

  • A high 29.74% interest rate is well above the average credit card interest rate 
  •  You’ll be charged a late or returned fee of $41, which is quite more.
  • As the Cosmoprof credit card can only be used at Cosmoprof and Sally beauty locations, you can’t use it for paying bills at other stores, which limits its usability. 

CosmoProf Credit Card Payment Address

CosmoProf Credit Card bill Payment can be made in different ways such as: online, over a phone call with customer care, by mail, or by visiting the company’s nearby store or through Comenity Capital bank.

To pay your bills over a phone call, you can contact Cosmoprof Credit Card customer care at 1-800-701-4169, TDD/TTY: 1-888-819-1918

If you want to send your bill payment by mail, then here’s the address for it:

Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003.


If you’re a licensed beauty professional and frequently keep making purchases from Cosmoprof or Saloncentric, this card might be the right choice for you. But the higher interest rate of 29.74% makes this card difficult to choose when we compare it with the rewards we get from the card.

With that said, if you’re constantly going to order shipments for your business from Cosmoprof or sally beauty and can pay the full bill before its due date, then this card can be the best choice too. 

This card is right for beauty professionals because they can enjoy extra benefits such as free shipping and a 3% discount on supplies and gifts on birthdays and account anniversaries. If you are a licensed beauty professional, you can use this card while considering all the important points in this article. 


Can I use my CosmoProf Rewards Credit Card on the same day that I apply for the card?

Yes, if you have got approval on credit card in a store or online then you’ll be able to use your new account on the same day for transactions and get discount from your first order itself

Where can I use my Cosmo Prof Rewards Credit Card?

You can use your CosmoProf Rewards Credit Card in Cosmoprof stores, for online purchases at and in the Cosmoprof application as well and similarly at Sally Beauty stores, for online purchases at and in the Sally Beauty application

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2 thoughts on “CosmoProf Credit Card Review | Top 6 Rewards, Login, Payment”

  1. excellent post, very informative. I wonder why the other specialists of this sector don’t understand this.
    You should continue your writing. I’m sure, you’ve a huge readers’ base already!


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