This review is for the Mac Cosmetics Credit Card. Mac Cosmetics is a maker of professional grade lipstick, blush, eyeliner and other types of makeup. Now part of the Estee Lauder family of companies, Mac Cosmetics was founded in Toronto, Canada. However, Mac Cosmetics does not offer any type of credit card.
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Mac Cosmetics items can however be purchased using other forms of payment. These include major credit cards, checks and cash.
Other Types of Credit Cards
Even though there is no Mac Cosmetic credit card available, there are still several different options available to you if you are searching for a credit card.
Different credit cards offer different benefits. One of the most important benefits to many people who are in the market for a credit card is one that includes reward options. Rewards come in many different forms, including money back, miles for airline trips, various types of merchandise, and more.
Annual Percentage Rate vs. No Annual Fee Cards
There are generally two different types of credit cards. These include cards with a low annual percentage rate or cards with no annual fee.
Cards with no annual fee are best for you if you are able to pay your balance completely off each month. This way, there are no costs associates with having the credit card.
Cards with low annual percentage rates are better for you if you generally have a balance on your credit card. The annual percentage rate is the amount that is costs you to use the card and carry a balance. Most cards have a rate somewhere between 10% and 20% per year. Obviously, the lower the rate, the less interest you are charged.
Some cards offer individuals with excellent credit a 0% APR for a certain amount of time after you open the card, usually ranging between three months and one year. Finding a card with a low APR can save you a lot of money over time.
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