An increase in “preventive Botox”, lip flips, and even plastic surgery trends (all you see when scrolling through Tiktok) may require cosmetic surgery procedures to be considered.
The International Association for Aesthetic Orthopaedic Surgery reported a 40% increase in the number of surgical and nonsurgical aesthetic procedures worldwide from 2019 to 2023. And the US took the lead, performing almost 18% of the world’s surgical and non-surgical procedures.
Getting cosmetic procedures should be based on someone else’s desires and budget, not on someone else’s, but on your own desires and budget. However, if you are focused on treatment, using the right credit card may allow you to earn rewards for that purchase or subsequent purchases at a drugstore. You can also repay expensive steps over time with referral APR.
Compare the best cards for cosmetic treatments
| Card name | Benefits related to cosmetic procedures | Variable APR | Annual fees |
|---|---|---|---|
| Chase FreedomUnlimited® |
|
18.99%-28.49% Variable | $0 |
| Wells FargoActiveCash® Card |
|
19.24%, 24.24%, or 29.24% Variable APR | $0 |
| Capital One Venture Rewards Credit Card |
|
19.99%-29.24% (variable) |
$95 |
| Wells FargoReflect® Card |
|
17.24%, 23.74%, or 28.99% Variable APR |
$0 |
| Upgrade your CashRewards Visa® |
|
14.99%-29.99% |
$0 |
Top Cards for Cosmetic Procedures
How to Choose a Credit Card for Cosmetic Procedures
If you’re on the fence about applying for a new card prior to cosmetic procedures, or pulling from your wallet when you pay, here are some considerations.
- Reward: Depending on your reward preference, you can earn cashback or travel rewards in the form of steps points or miles. Decide whether you prefer a flat rate reward or benefit from cards that offer additional rewards for purchasing drugstores.
- Intro APR length: If you can’t pay off the steps immediately, you can prioritize the long 0% Intro APR instead. You can reserve 12, 15 or 21 months to carry unbalanced amounts on traditional cards.
- Ability to combine with other cards: Cosmetic procedures are not typical bonus reward categories, such as travel, dining out, or subscriptions. We recommend combining your selected cards with bonus category cards that earn you more money from other recurring expenses.
FAQ
What’s next?
Conclusion
You’re considering how to pay for cosmetic procedures, so you’ll want to keep your credit beautiful.
Research and planning can help you realize your aesthetic dreams without compromising your profits. But it’s easier to chew than you can when you’re excited by the procedure. If you have a credit card in mind, you can check your budget and make your payments fully and on time.
