Category
Beauty
Prestige beauty, where the loyalty tiers and twice-yearly events do the work the portals don't.
Prestige beauty has the weakest portal layer on this site (1% to 3% at Sephora and Bluemercury) and the strongest event layer. Sephora discounts by loyalty tier twice a year; Bluemercury discounts by cart size; both run gift-with-purchase constantly. The pages here tell you which event to wait for, which brands are excluded, and the rare card offer that stacks.
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Bluemercury
4-33% offWait
Tiered sale 15-30% + Rakuten 4% + BlueRewards $10/$250 + card offer when live
Sephora
8-36% offWait
Savings Event 10-20% by tier + Sephora Visa 4% + BI points + Rakuten 8% spike (TopCashback 4%)
Ulta Beauty
20-50% offMixed
Beauty Steals 50% or Black Friday 40% + Rakuten 12-20% spike + Ultamate points 3-6% + Ulta card 2x