The Mary Kay Rewards Visa card is exclusively available to independent beauty consultants of FNBO’s MLM skin care and cosmetics company, Mary Kay.
This $0-annual-fee card allows consultants to earn rewards on Mary Kay products, with a decent bonus and special financing offer tailored to help consultants grow their business. However, most consultants may find more value in a general, non-branded rewards credit card.
Here are five key considerations before applying for the Mary Kay Rewards Visa credit card.
1. Exclusive to Mary Kay Consultants
Only available to Mary Kay’s independent beauty consultants, requiring a business relationship with the brand to qualify for the card, even for frequent Mary Kay product purchasers.
Consultants can apply through Mary Kay InTouch, with approval based on standard criteria like credit scores and FNBO’s proprietary scoring method.
2. Decent Rewards and Flexible Redemption
Earn points for Mary Kay and outside-brand spending, with higher rewards for in-brand purchases and a 2x-back category covering gas, groceries, and cell phone bills.
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3 points per dollar on Mary Kay purchases.
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2 points per dollar on gas, groceries, and cell phone bills.
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1 point per dollar on all other purchases.
Redeem points for cash back, gift cards, merchandise, and travel, with flexible redemption options online or via phone.
Points expire after five years, with a minimum redemption of 1,000 points and options to pay the remaining balance with the card.
3. Introductory APR Offer
Enjoy 0% APR for 6 billing cycles on purchases and balance transfers, providing a period without interest charges for consultants to invest in their Mary Kay business.
This promotional period offers genuine interest-free financing, with interest only on remaining balances after the promotional period.
While the 0% APR period is relatively short compared to other cards, it can still benefit consultants looking to manage cash flow.
4. Modest Sign-Up Bonus
New cardholders can earn a $100 statement credit by spending $500 in the first three billing cycles, providing a helpful incentive for consultants purchasing inventory.
The statement credit can offset card balances and reduce out-of-pocket expenses for consultants.
While comparable to other retail card bonuses, it may fall short compared to rewards offered by general rewards cards.
5. Consider Other Card Options
While the Mary Kay Rewards Visa card offers valuable rewards and benefits for consultants, a general rewards credit card like the Wells Fargo Active Cash® Card may provide more value with 2% cash back on all purchases and a $200 cash rewards bonus after spending $500 in the first 3 months.

Consider the Chase Freedom Unlimited® for higher cash back rates on various spending categories, including travel, restaurants, and drugstore purchases, with a $0 annual fee and a 0% intro APR on purchases and balance transfers for 15 months.