Sally's Credit Card basics

Sally's Credit Card is a store card issued by Synchrony Bank for customers of Sally Beauty Supply, the chain of professional beauty product retailers. It works only at Sally Beauty locations and online at sallybeauty.com. You earn rewards on every purchase, but the card carries an annual percentage rate (APR) that varies by creditworthiness, and you cannot use it outside the Sally Beauty ecosystem.

The card is designed for people who shop at Sally Beauty regularly — stylists, salon owners, and beauty enthusiasts who buy professional-grade products. If you visit Sally Beauty once or twice a year, the rewards structure may not offset the cost of carrying another card. If you're there monthly or more often, the math shifts.

Key Takeaways

  • Sally's Credit Card earns rewards points on purchases at Sally Beauty Supply and sallybeauty.com, with bonus points during promotional periods.
  • The card charges a variable APR determined by your credit score and history, so your interest rate may differ from another cardholder's rate.
  • Rewards points can be redeemed for discounts on future Sally Beauty purchases, but points have no value outside the Sally Beauty system.
  • The card is issued by Synchrony Bank and requires a credit check to open, so it will appear on your credit report and affect your credit score.

How rewards points work

Sally's Credit Card awards points on every dollar you spend at Sally Beauty locations and on sallybeauty.com. The exact earning rate — whether it's one point per dollar, tiered points, or bonus categories — depends on the current card terms, which Synchrony updates periodically. You should confirm the current earning structure on the Sally Beauty website or by calling Synchrony customer service before opening the card.

Points accumulate in your account and can be redeemed for discounts on future purchases. The redemption threshold — how many points you need to unlock a discount — varies. Some cards require 100 points for a $5 discount, others use different thresholds. Again, check the current terms, because these details change and affect whether the card makes financial sense for your spending level.

Promotional periods sometimes offer bonus points on specific product categories or during certain months. These are temporary and announced by Sally Beauty, so if you're considering the card, ask whether any bonuses are running now.

Interest rates and fees

Sally's Credit Card carries a variable APR, meaning the rate is not fixed and can change over time. Your specific APR depends on your credit score, payment history, and other factors Synchrony evaluates. Two people approved for the same card may receive different rates. The APR applies only to balances you carry month to month; if you pay your full statement balance by the due date, you pay no interest.

Check the card's terms and conditions for annual fees, late fees, and other charges. Store cards sometimes waive annual fees, but this varies by issuer and card. Synchrony's website or the terms you receive after opening the account will list all applicable fees.

Because this is a Synchrony card, late payments and high balances will be reported to the three major credit bureaus — Equifax, Experian, and TransUnion. This affects your credit score and your ability to borrow elsewhere.

Who should consider this card

Sally's Credit Card makes the most sense if you spend at least $50 to $100 per month at Sally Beauty Supply. At that level, the rewards points accumulate fast enough to offset the risk of carrying another card and the temptation to overspend. If you're a salon owner or professional stylist who restocks supplies regularly, the card can deliver meaningful savings over a year.

The card is less useful if you shop at Sally Beauty only a few times a year or if you can get better rewards from a general-purpose card you already carry. A cash-back card that works everywhere may deliver more value than a card that only works at one retailer, even if the Sally card's earning rate is higher.

You should also have a credit score in the fair range or better to be approved. Synchrony typically does not approve applicants with poor credit or no credit history, though pre-qualification tools on the Sally Beauty website may give you a sense of your likelihood before you formally explore.

Sally's Credit Card versus general-purpose cards

A store card like Sally's offers higher rewards rates at that one retailer but zero rewards everywhere else. A general-purpose cash-back card earns a lower percentage at Sally Beauty but also earns rewards at grocery stores, gas stations, and other merchants. Over a year, the general-purpose card may deliver more total value unless you spend heavily at Sally Beauty.

Store cards also tend to carry higher APRs than premium general-purpose cards, so carrying a balance is more expensive. If you tend to pay off your balance each month, this matters less. If you sometimes carry a balance, the higher rate stings.

The trade-off is straightforward: choose a store card if you're loyal to one retailer and shop there frequently. Choose a general-purpose card if you want flexibility and rewards across multiple categories.

How to open Sally's Credit Card

You can open the card online at sallybeauty.com, in a Sally Beauty store, or by phone through Synchrony. The process asks for your name, address, Social Security number, income, and employment information. Synchrony runs a hard inquiry on your credit report, which temporarily lowers your credit score by a few points.

You'll receive a decision within minutes to a few business days. If approved, your card arrives by mail within 7 to 10 business days. Once it arrives, you can set up it online or by phone and begin earning rewards when ready on purchases.

If you're denied, you can ask Synchrony why and address any errors on your credit report through the three bureaus. You can also reapply after several months if your credit situation improves.

Frequently Asked Questions

Can I use Sally's Credit Card outside of Sally Beauty?

No. This is a store card that works only at Sally Beauty Supply locations and sallybeauty.com. You cannot use it at other retailers, and it offers no rewards outside Sally Beauty.

What happens to my rewards points if I close the card?

This depends on Synchrony's terms. Some issuers let you redeem points within a grace period after closing; others forfeit unused points when ready. Check your cardholder agreement or contact Synchrony customer service to confirm the policy before you close the account.

Will opening this card hurt my credit score?

The hard inquiry from the process will lower your score by a few points temporarily. Opening a new account also lowers your average account age. However, if you use the card responsibly and pay on time, the positive payment history will rebuild your score over months.

What's the difference between Sally's Credit Card and a Sally Beauty gift card?

A gift card is prepaid and carries no interest or credit risk. A credit card lets you borrow and pay later, earns rewards, and builds your credit history — but charges interest if you carry a balance. The credit card makes sense if you spend regularly; a gift card is simpler if you shop occasionally.

Can I transfer my Sally's Credit Card balance to another card?

Technically yes, but most balance transfer offers come from general-purpose cards, not store cards. If you have a high balance on Sally's card and want to move it to a lower-rate card, check whether your other card offers a balance transfer promotion. Synchrony cannot move the balance for you.