Cosmoprof Credit Card Review 2024 – Worth it or Not?

The Cosmoprof Credit Card is a reward credit card the can only be used at Cosmo Prof and Sallt Beauty. The card offers a decent reward program with two tier of benefits, Gold and Platinum for professionals.

The Cosmoprof is a series of beauty and cosmetic trade shows that happened all around the world. If you have a Cosmoprof Rewards Credit Card, you will recieve first purchase discount at the time of account opening. Also, you have full access on all other benefits to both the brands.

You earn welcome gifts, discount, birthday rewards, anniversary gifts, and other perks with this credit card. If you are a beauty professional who plan to spend $4k per year at CosmoProf or Sally Beauty, then this card is probably worth for you.

Let’s explore all the benefits of the Cosmoprof Credit Card in this article.

Cosmoprof Credit Card Key Highlights

Annual fee$0
Annual APR Rate29.74% (high)
Rewards Get 3% discount when you purchase at Cosmoprof
Issued By Comenity Bank (Bread Financial)
Exclusive PerksPlatinum Tier and Gold Tier Reward Program

Summary of CosmoProf Credit Card

  • The card will worth for you only, if you buy professional beauty supplies of worth more than $4K per year from CosmoProf or Sally Beauty. This will unlock fee shipping at CosmoProf of over $150.
  • The Card will also unlocks free shipping of beauty products at Sally Beauty with no minimum spend.
  • You earn 3% instant discount when you make purchase from CosmoPros. Remember, if you spend $10K at the CosmoProf for 3% discount will only net you an extra $150.
  • This card is only open to beauty professionals, and they will enquire for proof at account opening.

Benefits of CosmoProf Credit Card

As a professional licensed with the Sally Beauty, you will be enrolled as a professional with CosmoPros as Sally Beanty and CosmoProf are affiliate companies. The enrollment takes place when you apply for the CosmoProdf Rewards Credit Card.

You will get a 12 digit CosmoProf Membership Card number through email or mail. You can register your membership by using your membership card number at so that you can get reward and benefits as following.

Rewards Points

  • Get 3% instant discount on purchase done at CosmoProf.
  • Earn 2.5 additional points other then members reward rate for purchases made ar Sally Beauty,
  • If you spend $4,000 in a year, then you will get free shipping for purchases above $150.

Perks when using on CosmoProf

  • You earn 3% instant discount when you use your card on CosmoProf.
  • Earn $10 off when you make purchase of more than $50 with this credit card.
  • You will get surprising gifts during your birthday month and on the anniversary year of the account opening.
  • If you spend $4,000 in a year, then you will be automatically become a Cosmo Prof PLATINUM cardholder, this will unlock free shipping on purchases of $150 or more.
  • You can earn extra 2.5 points per dollar spent on your card.
  • When you open Cosmo Prof Rewards Credit Card you instantly become a Cosmo Prof Gold Cardholder.
  • You get 20% discount on next card purchase.

Perks when using on Sally Beauty

  • You earn extra 2.5 points per dollar spent with this credit card on top of what Sally Beauty Rewards Members already earn.
  • You can earn 20% instant discount on your next card purchase.
  • Get free standard shipping on card orders.
  • You will get gifts during your birthdays and on the anniversary of your account opening.

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CosmoProf Credit Card Membership Benefits

  • You can shop at more than 1200 CosmoProf Stores.
  • Get 24/7 mobile friendly Online shopping.
  • You can access /enroll in classes and shows.
  • Updated with trends, techniques, community inspiration through the blog.
  • Monitor total order history in your profile.
  • You have access to over 26,000 products.

Pros & Cons of CosmoProf Credit Card

  • There is no annual fee.
  • 3% discount on purchase at CosmoProf.
  • $10 off on your next CosmoProf purchase of more than $50 after opening the card.
  • Get $10 off on CosmoProf purchase during your birthday month and anniversary year.
  • Get 2X annual gifts.
  • After annual spend of $4K, you will automatically get Platinum Tier, this will unlock free shipping on purchases above $150.
  • The issuer bank Comenity is reputable (presently known as Bread financial).
  • High annual APR of 29.74%.
  • Can only be used at CosmoProf and Sally Beauty.
  • Only available at beauty professionals.
  • Late or return fee charge of $41.

Rate and Fee of CosmoProf Credit Card

Annual Fee$0
Regular Annual APR29.74%
Late Payment Fee $41
Return Late Payment Fee$41

CosmosProf Rewards Credit Card Eligibility Criteria

Applicants should have the following eligibility criteria to get approval of this credit card:

  • You must be 18 year older (or the age of majority in your state or territory).
  • You should have a credit score of at least 600 or more to get approval.
  • ID issued by government and tax identification number.
  • Have a non-PO Box mailing address.

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How to apply for Cosmo Prof Rewards Credit Card?

If you are interested and want to apply for the CosmoProf Rewards Credit Card, then follow these simple steps:

  • Click on “Apply Now.”
  • If you are new to Cosmo Prof, then you have to create an account and apply for the credit card.
  • Complete the applicatoopn form.
  • Check review and accept the terms and conditions of the credit card agreement.
  • Click on Apply.
  • Wait for Comenity Bank to notify for your approval.
  • You can track your application status by visiting its official website.

Cosmoprof Credit Card Login

By loging into your account you can manage your credit card and account like bill payment, account balance, and account settings. Follow these simple steps to log in your account

  1. Visit Cosmo Prof rewards credit card official website at
  2. Click on the account option.
  3. Enter your email and passoword.
  4. Now enter your email and password.
  5. Then click on Log in and Apply Now.
  6. Now you are log in.

Should You Get CosmosProf Credit Card?

Most of the benefits of the credit card are generous with initial welcome bonus because you get $10 discount on purchases above $50 at CosmoProf, and 20% discount at Sallay Beauty. Other than this, you get free shipping over $150, if you spend $4,000 in a year. You will get Platinum Tier Status.

The Platinum Status Tier is a good benfit because you will get free shipping at CosmoProf after you spent $4,000 in a year on purchases above $150. Also you will get the three person discount and free shipping benefit to your salon and barber shop.

However, the credit card annual APR is very high as compared to the industry average. This can be a deal breaker for some card holders. Also, you will be charged of $41 for late payment fee. Keep these things in mind before applying for Cosmoprof Credit Card.

CosmoProf Rewards Credit Card Customer Care Service

CosmoProf has gained decent popularity in recent among beauty enthusiasts due to its great products collection and supportive customer service.

If you need any assistance regarding your credit card and account, then you can contact customer care service, details are given below:

  • Customer Care Number: 18007014169
  • TDD/TTY: 18888191918
  • Official Webpage:
  • Help Page:

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Comenity Bank CosmoProf Credit Card Review

The CosmoProf Rewards Credit Card is issued by the Comenity Bank which generally issues Mastercard Credit Cards. The Comenity Bank is the subsidiary of the Bread Financial, which has rebranded to Bread Savings. The Bread Savings holds more than 100 different credit cards brands which have slighthly high interest rate.

CosmosProf Rewards Credit Card Related FAQs

Is CosmoProf Credit Card worth it?

The Cosmo Prof Reward credit card has below average star rating based on various customer reviews. Mostly customers are dissatisfied from this credit card due to its high annual APR and late payment charges. This credit card can only be used at CosmoProp and Sally Beauty.

Which bank issues Cosmo Prod Credit Card?

The Cosmo Prof Reward Credit Cards are issued by the Comenity Bank a subsidiary of Bread Financial.

What is the annual fee of Cosmo Prof Rewards Credit Card?

The annual fee of the Cosmo Prof Rewards Credit Card is $0. You don’t have to pay any fee.

Can I use CosmoProf Reward Credit Card anywhere?

No, the Cosmo Prof Credit Card can only be used at both Cosmo Prof and Sally Beauty. To get this card, you must be over the age of 18.

What is the customer care number of CosmoProf Credit Card?

The customer care number of Cosmo Prod Rewards Credit Card is 18007014169.

What is the official website of CosmoProf Rewards Credit Card?

The official website of the Cosmo Prof Rewards Credit Card is

What are the reward benefits of Cosmo Prof Credit Card?

The credit card offer you following reward benefits:
– Get 3% instant discount on purchase done at CosmoProf.
– Earn 2.5 additional points other then members reward rate for purchases made ar Sally Beauty,
– If you spend $4,000 in a year, then you will get free shipping for purchases above $150.

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