Credit cards with benefits for purchases at cosmetic stores: which are the best?

Credit cards with benefits for purchases in cosmetics stores!

The beauty market in Brazil is on the rise, with a growth of 6.2% in cosmetics sales in 2024, according to data from the Brazilian Association of the Personal Hygiene, Perfumery and Cosmetics Industry (ABIHPEC).

In this scenario, the search for credit cards with benefits for purchases in cosmetic stores: which are the best?

Find out more below:

Credit cards with benefits

Initially, it becomes a smart strategy for consumers who want to combine their passion for makeup, skincare, and perfumes with financial benefits.

Choosing the ideal card is like selecting the perfect brush for a flawless contour: it requires precision, knowledge, and attention to your specific needs.

Credit cards with specific benefits for cosmetics offer much more than just payment facilities.

They provide cashback, exclusive discounts, accumulate points for future exchanges, and allow installment payments that make premium products more affordable.

However, with so many options available, how do you identify the card that really delivers value for your beauty purchases?

This text explores the best alternatives, presenting solid arguments, practical examples, a relevant statistic, a creative analogy, and a rhetorical question to engage, all with truthful information and an original approach.

Why choose cosmetics-focused cards?

Think of a credit card like an eyeshadow palette: each color (or benefit) has a purpose, and the result depends on how you apply it.

Cards offering benefits for purchases at cosmetics stores such as Sephora, O Boticário, Natura, and Época Cosméticos are designed for consumers who frequent these chains.

They offer rewards ranging from cashback to access to exclusive promotions, turning every purchase into a savings opportunity.

Why use a generic card when you can choose one that enhances your beauty routine?

Furthermore, the cosmetics sector has unique characteristics.

Frequent purchases of smaller amounts, such as mascara or daily creams, require cards with immediate returns, such as discounts or cashback.

Investments in higher-value items, such as imported perfumes or skincare products, benefit from long-term interest-free installments.

Therefore, a well-selected card not only makes payments easier, but also optimizes your budget, allowing you to invest in quality products without compromising your finances.

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Finally, choosing a specific card for cosmetics reflects conscious consumption.

According to Nielsen, 681% of Brazilians prefer brands with loyalty programs, which makes co-branded cards (issued in partnership with stores) or cards with broad retail benefits, such as those from Visa and Mastercard, highly attractive.

These cards encourage loyalty and turn spending into rewards, aligning with the desire to maximize the value of every purchase.

Benefits that make a difference when purchasing cosmetics

First of all, the main attraction of the credit cards with benefits for purchases in cosmetic stores: which are the best?

In this sense, it is the possibility of accumulating rewards.

The Magalu Card, for example, offers 2% cashback on purchases at Magazine Luiza, which includes a wide range of cosmetics with brands like Natura and Maybelline.

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This return, while modest at first glance, adds up quickly for regular consumers, functioning as an ongoing discount.

Another essential benefit is interest-free installment payments, a common practice in Brazil, where 73% of online purchases are split, according to E-commerce Brasil.

Stores like Época Cosméticos allow you to pay in up to 10 interest-free installments with Visa or Mastercard, ideal for purchasing premium products like makeup palettes or anti-aging serums.

Additionally, co-branded cards, like Renner's, offer exclusive discounts on its own beauty lines or those of partner brands.

Finally, points programs are a strategic differentiator.

Cards like Itaú Pão de Açúcar Black accumulate points that can be exchanged for discounts at pharmacies that sell cosmetics, such as Drogaria São Paulo.

The flexibility to convert points into miles or direct discounts gives consumers the freedom to customize their benefits.

Have you ever imagined how much you could save by turning your beauty purchases into financial rewards?

Example 1: Clara and the Magalu Card

Clara, a skincare enthusiast, spends about R$1,400 per month on Natura products at Magazine Luiza. With the Magalu Card, she receives R$2,100 in cashback, or R$1,400 per month.

In a year, this totals R$ 60, enough to buy a new face cream.

Additionally, Clara can pay for her purchases in up to 24 interest-free installments, allowing her to purchase higher-value kits without breaking the bank.

With no annual fee, the card is perfect for those looking for savings and convenience.

The best credit cards with benefits for purchases in cosmetic stores

With the benefits clear, let's look at the cards that stand out in the market.

Choosing the best card depends on your consumption profile, purchase frequency and brand preference.

Below, we present three options that shine in the beauty sector, based on truthful information updated until 2025.

THE Magalu Card, issued by the Visa Platinum brand, is an affordable and efficient choice.

With no annual fee and with a minimum income of R$1,800, it offers R$21,300 cashback on purchases at Magazine Luiza, including cosmetics from brands such as L'Oréal and Vult.

Partnerships with stores like Época Cosméticos guarantee additional discounts, while brand benefits like purchase protection are useful for imported products.

Approval is relatively easy, ideal for consumers with a moderate score.

Another solid option is the Renner Card, with Visa or Mastercard flag.

With no annual fee for the first year (R$ 11.90/month from the second onwards, waived with minimum spending), it offers discounts of up to 10% on Renner beauty products, including its own lines and brands such as Quem Disse, Berenice?.

Payment in up to 8 interest-free installments at Renner stores is a plus when purchasing makeup and perfumes.

The minimum income is not disclosed, but approval is accessible to regular customers of the store.

Finally, the Itaú Pão de Açúcar Black Card is aimed at premium consumers.

With an annual fee of R$ 650 (exempt with spending of R$ 4 thousand/month), you accumulate 5 points per dollar spent on purchases at Pão de Açúcar and Extra, which can be converted into discounts at partner pharmacies.

The Mastercard Black card offers access to VIP lounges at airports, useful for duty-free cosmetics purchases.

The minimum income of R$ 6 thousand, however, limits access to this card.

Table 1: Comparison of the Best Cards for Cosmetics Purchases

Card	Annuity	Cashback/Points	Installment payment	Additional Benefits	Minimum Income
Magalu Card	Free	2% in purchases at Magalu	Up to 24 interest-free installments at Magalu	Discounts at Época Cosméticos, purchase protection	R$ 800
Renner Card	Free 1st year, R$ 11.90/month after	Discounts of up to 10% at Renner	Up to 8 interest-free installments at Renner	Renner loyalty program, Visa/Mastercard brands	Not specified
Itaú Sugarloaf Black	R$ 650 (free with expenses)	5 points/dollar at Sugarloaf Mountain	Up to 10 interest-free installments	VIP lounges, pharmacy discounts	R$ 6,000

Credit cards with benefits for purchases in cosmetic stores: How to maximize the benefits

Choosing the right card is just the beginning.

To get the most out of it, adopt smart strategies.

First, focus your purchases on partner stores.

Using the Renner Card at Renner or the Magalu Card at Magazine Luiza guarantees discounts and cashback that would not be obtained with other cards.

Also, keep an eye out for seasonal promotions, like Black Friday, when stores offer double cashback or special installment plans.

Another tactic is to combine benefits.

Itaú Pão de Açúcar Black, for example, allows you to accumulate points on cosmetics purchases at pharmacies and convert them into miles for travel, where you can buy duty-free products.

Furthermore, paying your bill on time is crucial to avoid recurring interest, which can reach 15% per month, according to the Central Bank.

This way, you maintain financial control while maximizing rewards.

Finally, take advantage of the brands' loyalty programs.

Vai de Visa offers discounts at stores like Sephora, while Mastercard Surpreenda allows you to exchange points for products or discounts at partner chains.

The key is to plan your purchases, using the card as a savings tool, not just a payment tool.

Like a good serum, consistent use of these strategies reveals surprising results over time.

Example 2: Pedro and the Renner Card

Pedro, a fan of national perfumes, regularly shops at Renner, spending around R$1,400 per month on products such as Natura fragrances and Quem Disse, Berenice? makeup.

With the Renner Card, you get a 10% discount on your purchases, saving R$ 40 per month, or R$ 480 per year.

It also offers 8 interest-free installments, making it easier to purchase seasonal kits.

The exemption from the annual fee in the first year makes the card even more advantageous for him.

Considerations when selecting a cosmetics card

While the benefits are attractive, the choice requires caution.

First, analyze the annuity.

Cards like Magalu, with no annual fee, are ideal for those looking for immediate savings.

Premium cards, such as Itaú Pão de Açúcar Black, are only worth it if the expenses justify the exemption.

Always compare the cost-benefit, considering the frequency of use and the type of reward offered.

Also, avoid revolving credit interest, which reached an average rate of 441.6% per year in 2024, according to the Central Bank.

Pay your bill in full on the due date to avoid financial pitfalls. Another point is card acceptance.

Private label cards, like C&A's, are restricted to the chain's stores, while co-branded cards, like Renner's, are more versatile because they accept Visa or Mastercard.

Finally, consider credit analysis.

Store cards, like Magalu, have more affordable approval rates, ideal for those with low credit scores or negative credit ratings.

Premium cards, on the other hand, require more proof of income and financial history.

Choose a card that matches your profile to avoid frustration and ensure real benefits.

Credit cards with benefits for purchases in cosmetics stores: Frequently Asked Questions

Question	Response
Which card is best for beginners?	The Magalu Card, with no annual fee and a minimum income of R$1,400, is ideal.
Do store cards work at other stores?	Co-branded cards, such as Renner, are accepted wherever the card brand (Visa/Mastercard) is accepted. Private labels are restricted to the issuing store.
How to avoid high interest rates?	Pay your bill in full on the due date and avoid revolving credit.
Is cashback worth it?	Yes, for frequent purchases. Example: 2% cashback at R$ 1,000/month generates R$ 240/year.
Are premium cards valid for cosmetics?	For high expenses in partner pharmacies, such as with Itaú Pão de Açúcar Black, yes.

Credit cards with benefits for purchases in cosmetic stores: Conclusion

The choice of credit cards with benefits for purchases in cosmetic stores: which are the best? depends on your priorities.

The Magalu Card stands out for its accessibility and cashback, the Renner Card offers direct discounts on beauty products, and the Itaú Pão de Açúcar Black is perfect for those seeking premium benefits.

Each one caters to different profiles, from the casual consumer to the luxury product lover.

Therefore, analyze your consumption pattern, purchasing frequency and financial goals.

A well-chosen card is like a quality highlighter: it brings out the best in you, whether in the form of savings, rewards, or convenience.

With planning, your cosmetics purchases can become a source of benefits.

Which card will you choose to make your next purchase an even more special experience?