In reality, we don’t have the discipline to bank them until we reach quadruple digits. (That may take a lifetime, after all.) But it's just as well, because there's a roster of majorly-covetable makeup, hair, and skin care bundles offered at the 500 point level right now. But with new freebees added to the Sephora cash wrap (and e-commerce checkout ) every Tuesday and Thursday, how do we know when the time is right to pull the trigger and cash in?