13 cards ranked
Best credit card to use at MAC Cosmetics.
Department StoreOnline Shopping
MAC Cosmetics is a prestige color cosmetics brand owned by The Estée Lauder Companies, sold through about 100 U.S. freestanding stores, maccosmetics.com, and a wide department store and Ulta wholesale footprint. Direct purchases at MAC stores or the website typically code as department store or online shopping, while MAC bought at Macy's or Ulta codes under that retailer. The free MAC Lover loyalty program offers tiered points and stacks with credit card multipliers.
Picks without a tag earn at MAC Cosmetics both in-store and online. Watch for theOnline onlytag — those bonuses only apply on maccosmetics.com.
- #1US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #33%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #9Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #102%
- #112%
- #122%
- #132%
Last updated May 17, 2026