Top travel credit cards for 2025

Travel credit cards aren't only for jet-setting world travelers. You can score deep discounts and valuable perks whether you only fly once per year or you're determined to check off multiple bucket list destinations.
The key is choosing the right travel credit card for you. That means an annual fee that fits your budget and rewards that align with your regular expenses and travel preferences — as well as great benefits to keep maximizing value each time you travel.
Why we like it: The Capital One Venture card is a winning travel card for earning and redeeming miles, no matter how you like to travel. The simple 2x miles on every purchase can help you earn toward future trips with everything you buy. And redemptions are just as far-reaching: You can use miles to book future trips through Capital One Travel, reimburse yourself for travel purchases you make with your card, or transfer miles to Capital One's 15+ travel partners.
It has only a few added benefits, including a credit toward TSA PreCheck or Global Entry fees, Five Star Status with Hertz rental cars, and a $50 experience credit when you book a stay with the Lifestyle Collection hotels. But the Venture card's value really comes from how simple it is to maximize the miles you earn and redeem. If you're looking for a flexible way to get the best value on travel without committing to a booking site, travel brand, or type of trip, this card is tough to beat.Why we like it: The Chase Sapphire Preferred Card has a solid welcome offer and rewards on a mix of travel and everyday categories, so you can rack up points no matter how often you vacation. On top of that, you'll get an anniversary points bonus worth 10% of your overall spending from the past year. But you'll get the most value from this card when it's time to redeem. Points redeemed for travel through Chase Travel℠ get a 25% boost — so 10,000 points would be worth $125, for example.
Perks such as up to $50 in statement credits each anniversary year for hotels booked through Chase Travel and partner benefits with Lyft, DoorDash, and Peloton can also save you money at home or while traveling. And if you have a Chase cash-back card like the Chase Freedom Unlimited® or Chase Freedom Flex®, you can pool the rewards you earn with those cards with your Chase Sapphire Preferred and take advantage of the redemption boost across your accounts.Why we like it: Premium travel cards are often reserved for only very frequent travelers who can afford to pay high annual fees while still getting enough value from airport and travel benefits to make the cost worth it. We like the Capital One Venture X Rewards Credit Card because it has no shortage of great perks and rewards, but offers a relatively lower annual fee. Plus, it has the same straightforward rewards and flexible redemption options as the regular Venture card.
As for those great perks, you'll get a $300 annual travel credit for bookings with Capital One Travel; 10,000 bonus miles each year after your first anniversary; a credit for TSA PreCheck or Global Entry fees; access to Capital One Lounges and partner lounge networks; a $100 experience credit when you book stays with the Premier Collection; Hertz President's Circle status; and more. Combined, these perks more than outpace the card's annual fee — but consider your travel plans to ensure you'll be able to take full advantage and get the maximum possible value from your Venture X card.Why we like it: You might not expect a travel credit card to offer some of the best rewards on your most frequent budget items, but the American Express Gold Card does just that. With 4x points at restaurants worldwide (up to $50,000 in purchases annually) and 4x points at U.S. supermarkets (up to $25,000 in purchases annually), it's easy to earn rewards on your year-round food spending to put toward an upcoming trip — in addition to travel rewards categories.
The Amex Gold Card's added benefits can also help you save at home and while traveling. These include up to $50 in statement credits semi-annually (up to $100 per year, with enrollment) when you use your card at a restaurant on Resy in the U.S.; up to $7 in monthly statement credits (up to $84 per year, with enrollment) for U.S. Dunkin purchases; up to $10 in monthly statement credits (up to $120 per year, with enrollment) when you use your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys; and more.
Combined with travel savings, travel rewards, and flexible redemption options (including transferring to Amex's partner travel programs), Amex Gold offers great value even if you travel only a few times per year.Why we like it: The U.S. Bank Altitude Connect may be a no annual fee card, but the rewards and perks it offers can bring just as much value as more costly options. Like the other cards on our list, you can earn rewards across a range of travel and everyday categories: 5x points on prepaid hotels and rental cars booked through U.S. Bank's Altitude Rewards Center; 4x points on other travel and at gas stations or EV charging stations (up to $1,000 spent per quarter); 2x on dining purchases, streaming services, and grocery stores; and 1x on everything else. Redemption options may be slightly more limited than other cards on our list, but you can redeem rewards for a deposit to your U.S. Bank account, travel, gift cards, and more.
Beyond rewards, added benefits also offer major value, especially for a no annual fee card. These include a statement credit toward TSA PreCheck or Global Entry fees and complimentary Priority Pass Select membership for airport lounge access (four free visits per year). Finally, a 0% intro APR on balance transfers for the first 12 billing cycles after account opening (17.25%-28.24% variable APR after that) could be useful if you're looking to pay down some existing debt over a few months but want a card that you can continue to use for travel longer-term.
Why we like it: The Citi Strata Premier card is another travel card with a straightforward rewards structure but plenty of potential value. Earning rewards is simple — get 10x points when you book hotels, rental cars, and attractions through CitiTravel.com and 3x points across other hotel purchases, air travel, restaurants, supermarkets, gas stations, and EV charging stations (everything else earns 1x points). In addition to redemptions through CitiTravel.com and for gift cards, you can transfer points to Citi's partner airline programs.
You might get the most value from this card if you stay at hotels often, but you aren't loyal to any single hotel chain and don't mind booking through Citi's travel portal. You can combine the 10x points on hotels booked through CitiTravel.com with the card's $100 annual hotel benefit, which gives you $100 off a single booking of $500 or more through CitiTravel.com each calendar year. Then, get the full redemption value for your points by using them to book future award stays through the portal.
Why we like it: The Bank of America Premium Rewards Credit Card works a bit like a flat rewards card — with a boost. You'll earn 2x points on travel and dining with an unlimited 1.5x on everything else, which means you're still getting the 1.5x multiplier no matter what you use your card to buy at home or away. Even better, you may be eligible to increase your rewards earnings even more. If you're a Preferred Rewards member with Bank of America, you can earn 25% to 75% extra on every purchase, depending on your combined balances across eligible deposit and investment accounts. That could increase your travel and dining rewards to 2.5x to 3.5x and everything else to 1.87x to 2.62x per dollar.
The Premium Rewards card's welcome bonus and annual fee align with the others on our list, but you'll also get some statement credits that can help increase your value beyond points. There's a credit toward TSA PreCheck or Global Entry fees every four years and an annual credit up to $100 for airline incidental charges like seat upgrades, in-flight purchases, and more. Bank of America has no travel transfer partners, but you can redeem your points for statement credits, gift cards, and travel purchases through the Bank of America Travel Center.
General travel cards like the ones above can be great for scoring points and miles toward any type of travel. But if you always prefer flying with a certain airline or booking with a specific hotel chain, a co-branded travel card might be more rewarding.
We included hotel and airline cards in our overall travel card ratings, and the cards below are the top-scoring options.
Just remember: a co-branded travel card only makes sense if you fly often enough with that airline or stay frequently enough at the hotel to justify its value over a more general card. Make sure you look at your recent travel and any upcoming plans before deciding.
The Alaska Airlines Visa Signature card has a solid welcome offer and rewards on a combination of everyday spending and Alaska purchases — plus it offers an affordable way to score Alaska's Companion Fare every year. You'll earn a $99 Companion Fare (plus taxes and fees) each account anniversary when you spend at least $6,000 in the year prior, or about $500 per month. With 3x rewards on Alaska Airlines spending and 2x on gas, EV charging, cable, streaming services, and local transit (plus 1x on everything else), you can meet that threshold with a combination of travel and everyday purchases while boosting your rewards.
If you're already a Bank of America customer with an eligible Bank of America checking or savings account or an eligible investment account with Merrill, you can get even more annual value from a 10% annual rewards bonus on the miles you earn. Say you spent the $6,000 you need to earn Companion Fare on purchases in the 2x rewards category — you'd earn 12,000 points on your spending and an additional 1,200 with the relationship bonus to put toward a future Alaska flight.If you're planning a trip to Hawaii, the Hawaiian Airlines World Elite Mastercard can offer amazing savings on your trip. In addition to the bonus miles you'll get from the welcome offer, you'll also get a one-time companion discount for 50% off a roundtrip coach ticket between Hawaii and North America. Even after the one-time discount, you'll still save when you fly to Hawaii with a $100 companion discount every account anniversary which also applies to roundtrip travel between Hawaii and North America on Hawaiian Airlines.
The purchases you make with the airline earn 3x miles per dollar. Even when you're not flying to Hawaii, you can earn miles toward a future trip with 2x miles on gas, dining, and eligible grocery store purchases (plus 1x on everything else).United and Chase offer multiple co-branded card options for frequent United Airlines flyers, but we like the The New United Quest Card for a few reasons. The annual fee is higher than some other options, but you'll get plenty of benefits that can help make up the cost if you fly United at least a few times per year. Perks you can use when you travel includ a $200 United travel credit and 10,000-mile award flight discount on each account anniversary; a 10,000-mile award flight discount after spending $20,000 each calendar year; a $100 property credit when you book Renowned Hotels and Resorts for United Cardmembers; 1 Premier-qualifying point for every $20 you spend (up to 18,000 PQPs per calendar year) toward Premier status with United; and more.
In addition, get a solid welcome bonus and a wide range of ongoing rewards, from 3x miles on United purchases, 2x miles on other travel, dining, and select streaming services, and 1x on everything else.
For travelers who prefer to stay in IHG Hotels (which includes brands like InterContinental, Kimpton, Crowne Plaza, Holiday Inn, and more), the IHG One Rewards Premier Credit Card offers a solid balance of rewards potential and annual benefits.
You can earn up to 26x points on IHG hotel stays; 5x points on travel, dining, and at gas stations; and 3x points on everything else. For the added benefits, you'll get more value the more you spend with your card and stay at IHG properties. Annual perks include automatic Platinum Elite status (qualify for Diamond when you spend at least $40,000 in a calendar year); an anniversary free night worth up to 40,000 points; a $100 statement credit and 10,000 points when you spend $20,000 in a calendar year; your fourth night free on eligible reward stays; and up to $50 United TravelBank Cash each calendar year when you connect your card to your United MileagePlus account.
As one of the most extensive hotel programs in the world, a co-branded Marriott credit card can be a great tool for traveling the world no matter what type of property you prefer. With the Marriott Bonvoy Boundless Credit Card, you'll get benefits when you stay, like an annual free night award (worth up to 35,000 points) and a path to elite status with 15 Elite Night Credits each calendar year plus one additional Elite Night Credit for every $5,000 you spend. On top of that, get automatic Silver Elite status and Gold Status if you spend $35,000 in a calendar year.
You'll earn the most points toward future Marriott stays when you make purchases with Marriott, at up to 17x points per dollar, but you can also get rewarded for everyday spending at home, with 3x points on the first combined $6,000 at gas stations, grocery stores, and on dining. Everything else earns 2x points per dollar.
All information about the Marriott Bonvoy Boundless Credit Card has been collected independently by and is no longer available through Yahoo Finance.
If you're a Hyatt traveler, the World of Hyatt Credit Card has plenty to offer for savings on your hotel and resort stays. For ongoing rewards, you'll earn up to 9x points on purchases at Hyatt hotels; 2x points at restaurants, on airline tickets purchased directly with airlines, local transit and commuting, and fitness club and gym memberships; and 1x points on everything else. Compared to other co-branded travel cards, this lineup of rewards categories is pretty unique, which could make it a good pick if those categories line up with your budget while at home or when you travel.
Like the hotel cards above, the World of Hyatt card also has plenty of potential annual savings on your Hyatt spending. You'll get a free night each year after your account anniversary for any Category 1-4 hotel or resort, another free night at a Category 1-4 property when you spend at least $15,000 in a calendar year, automatic Discoverist status, five qualifying nights per year toward your next-highest status, and 2 more qualifying night credits for every $5,000 in purchases with your card.
Travel credit cards offer points and miles rewards on your spending, which you can use toward travel-related redemptions, such as flights, hotel stays, and car rentals. You'll often earn the highest rewards rate on travel purchases with a travel credit card, though many also offer boosted rewards on everyday purchases like groceries, gas, and more.
Many travel cards also provide travel benefits and perks, which could include airport lounge access, annual travel or airline credits, companion airfare, or elite status with an airline or hotel loyalty program.Travel credit cards are worth it if you get enough value from the card's benefits and rewards to outweigh any potential costs, such as an annual fee. Unlike some other rewards cards, like cash-back credit cards, travel cards are more likely to carry annual fees in exchange for their high rewards rates and annual benefits. They might not be worth it if you don't travel enough to take advantage of these card benefits and rewards.
However, a travel card can still be worth it if you're not a frequent traveler. Even if you travel only once or twice per year, you can accumulate points throughout the year to offset your airfare and hotel costs when you do go on a trip.When you're comparing travel credit cards, it can be useful to separate them into two distinct types: general travel rewards cards and co-branded airline and
.
With a general travel credit card, you'll have a number of flexible redemption options when you're ready to redeem your points and miles. You may also have a broader range of benefits. Some general travel credit cards include:
Chase Sapphire Preferred Card
Capital One Venture X Rewards Credit Card
American Express Gold Card
Travel card issuers generally have their own travel portals, like Chase Travel or American Express Membership Rewards. You can use these to book flights, hotels, rental cars, and more. They may also have a number of travel partners, to which you can directly transfer points or miles. For example, American Express Membership Rewards points transfer to Delta SkyMiles at a rate of 1:1.The flexibility of general travel cards means you can travel with any number of different airlines or hotel brands and get the best bang for your buck. Each time you're ready to book, simply shop around between the portal or partners and compare the best options for your specific travel plans.
These credit cards also allow other redemption options, such as statement credits, gift cards, and cash back. But you'll generally get the best value by redeeming points or miles for travel.
Airline and hotel credit cards are typically co-branded between the card issuer and the airline or hotel chain. Here are a few examples:
Alaska Airlines Visa Signature credit card
United Quest Card
Marriott Bonvoy Boundless Credit Card
These cards are best suited for travelers who prefer to fly with a specific airline or stay at a certain hotel chain. Maybe you live near a hub airport, frequent a destination where a specific airline offers the most direct flight options, or you enjoy the perks of a specific hotel's loyalty program.
Instead of flexible rewards points or miles, you'll earn points or miles within the airline or hotel rewards program, like Marriott Bonvoy points or American Airlines AAdvantage miles — and get a boosted rewards rate when you spend directly with the airline or hotel. These cards often offer a faster path to elite status tiers within these programs as well.
You'll typically get the best redemption rate when you use rewards for flights with the airline or stays at a hotel, but many programs offer other redemptions, too. Some airline and hotel rewards programs may even allow you to transfer your points and miles to other travel partners like you can with general travel rewards programs.
The added benefits of co-branded cards are designed to appeal to loyal airline or hotel customers. For example, your airline card may get you priority boarding, upgrades, free checked bags, and in-flight discounts. And your hotel card may offer early check-in or late checkout, annual free night awards, and on-site credits.
Co-branded travel cards aren't for everyone, but they can add a lot to your travel experience if you have a strong airline or hotel preference.
Here are a few key details to look for in any new travel credit card:
No matter your budget, there's a travel credit card with an annual fee that fits. You can find solid no annual fee options, like the U.S. Bank Altitude Connect Visa Signature card. But there are also plenty of premium travel cards with steep fees — The Platinum Card® from American Express, for example, may set you back $695 per year (see rates and fees) but comes with an abundance of valuable benefits and perks that can potentially give you even more value back each year.
The most important thing to keep in mind when deciding whether an annual fee is worth it for you is whether you can get enough out of the rewards and benefits to outweigh the cost — without spending more than you otherwise would or can afford.
For new cardholders, a sign-up bonus can offer major first-year value. These bonuses may be worth anything from 10,000 to over 100,000 bonus points or miles — which can translate to hundreds of dollars in rewards value.
However, you should compare the terms of the bonus to your own budget before you apply. For example, you may need to spend $4,000 within the first three months of opening your card before you can earn the 60,000 bonus points. If that's not within your typical spending, be careful not to take on debt to meet the spending threshold. Accruing high interest on balances can quickly outpace even the best bonus.
One smart strategy is opening a new travel credit card when you're booking a trip you've been saving for. You may already be prepared to spend more than usual, which can help you reach the bonus requirement faster. Plus, you can earn rewards on those travel purchases to put toward future trips.
Also look out for limited-time offers from top travel credit cards. Occasionally, issuers will increase the welcome bonus for a period of time — if you see a promotional offer that fits within your budget, that could be a great time to apply for a new card.
Rewards are one of the biggest reasons for many people to open a travel credit card.
Earning rewards with travel cards often works in one of two ways. You'll either earn rewards on your everyday spending (groceries, gas stations, restaurants) to redeem toward future travel, or earn rewards on your travel spending to put toward future travel.
Some cards offer a combination of these rewards, but knowing which type of spender you are can be useful. If your monthly budget is largely dedicated to everyday spending, you may get more value from the former. But if you travel frequently and spend a lot of money on flights, hotels, and rental cars, you can quickly rack up more points with travel-based rewards categories.
Many travel rewards credit cards — especially the most premium cards with high annual fees — really shine when it comes to added perks and benefits. These benefits can help you offset the annual fee and save money each time you travel.
Take the $395 annual fee Capital One Venture X Rewards Credit Card, for example. Each year, you'll get a $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles (equal to $100 towards travel) on your account anniversary. Already, that's enough to wipe out the annual cost — before accounting for any rewards and other benefits (like up to $120 in fee credits toward TSA PreCheck or Global Entry and Priority Pass Select airport lounge membership).
Just remember: Choose a card with benefits that help you save on purchases you would still have made otherwise. If you tend to arrive shortly before takeoff and don't care about airport lounge access, you won't actually get the $200 potential value from that benefit.
One unique aspect of travel credit cards is the protections you can get as a cardholder when you travel. Common protections offered by travel credit cards include trip cancellation and interruption insurance, car rental insurance, trip delay reimbursement, baggage delay insurance, access to emergency assistance services, and more.
As long as you pay for your travel expenses with the card (booking flights, hotels, tours, etc.) you can qualify for these travel protection benefits. Like any coverage, though, you should make sure to read the fine print of what your individual card offers. These benefits can vary greatly between different travel cards, so make sure to look for details in your card agreement.Travel rewards credit cards can make a great addition to your wallet, even if you only travel a few times per year. Be sure to compare different travel card options to find the combination of annual fee, rewards, benefits, and sign-up bonus that works best for your travel plans and spending.
There may be a few reasons why a travel credit card isn't right for you, though:
You're already in credit card debt. Avoid adding another card — especially one with a potentially high annual fee — to your wallet if you already have high-interest debt. Eliminating those balances will help you save a lot more in interest than any value travel rewards could offer.
You don't want to keep up with a rewards strategy. Travel credit cards can be most lucrative if you maximize how you earn and redeem rewards. If you don't want to spend the time strategizing bonus categories and the best redemption options, a credit card with a simpler rewards structure may be better for you.
You don't have great credit. Travel credit cards generally require a good-to-excellent credit score to qualify for approval. If your credit isn't in a great place right now, focus on improving your score before you apply for a new card.
If you are ready to open a travel credit card, time your application wisely. The spending thresholds to earn your welcome bonus can be high, so you may want to plan your application around your next trip. The money you've already saved can help you score the bonus when you book your travel, and you'll also earn bonus points or miles for your next trip.
If you're new to travel credit cards, the Capital One Venture Rewards Credit Card is a great place to start — you can earn 2x miles on everything, and it's easy to redeem your miles through Capital One's travel portal.
Before you apply for any new travel card though, look at your frequent spending and travel to find the best one for your individual goals.
When traveling abroad, look for credit cards that don't charge foreign transaction fees. All of the cards on the list above waive foreign transaction fees, so you won't have to worry about extra charges when you use them to travel internationally.
One thing to keep in mind while traveling abroad is worldwide acceptance of your card. It can be useful to travel with more than one credit card on different card networks (these include Visa, Mastercard, American Express, and Discover).
For a premium travel experience, the Capital One Venture X Rewards Credit Card is our top pick. However, there are other premium travel cards with valuable benefits for travelers — including annual credits, elite status, bonus rewards, and more — for higher annual fees.
We began our search for the best travel cards with a list of 70 credit cards that offer travel rewards and benefits. This list includes general travel cards with flexible rewards programs, as well as co-branded hotel and airline cards that earn points and miles within a specific program. Our methodology focuses on cards that offer the greatest value to the broadest range of cardholders — without a significant annual cost.
We start with each card's welcome offer, which we rate based on the value of the bonus, the spending required to qualify, and a ratio comparing the bonus points or miles earned to the card's annual fee. The more you're spending to own the card, the more value we believe you should get in return.
Another large portion of the overall ratings is rewards and ongoing benefits. We give preference to cards with rewards categories that span both travel and everyday spending (gas stations, supermarkets, dining, streaming services, etc.) to help ensure you can maximize points even when you're not on-the-go. We also consider redemption options for each card, with the most flexible rewards programs earning higher scores. Finally, we compare travel benefits like annual statement credits, airline status and award nights, companion offers, and other ongoing perks that might make opening a travel card worth it over the long-term.
We also look at each card's annual fee, ongoing APR, credit score access, and foreign transaction fees — as well as issuer-specific information like customer service contact information, mobile app user ratings, and fraud protections. These are details we evaluate for every type of credit card.
The final picks on our list are the travel credit cards with the highest overall ratings given each of the criteria above. We sort out general travel cards first — these are the options that make up the primary list, because they are more flexible for a larger number of travelers. But we also include top-scoring hotel and airline co-branded cards. These are great options for some travelers, though you should consider how often you travel with the hotel or airline before you consider one of these cards.

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• Business Wire

One, Two, Three-Peat: Mary Kay Inc. Named #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World for Three Years in a Row

DALLAS--(BUSINESS WIRE)--Good things come in threes: iconic beauty brand and global entrepreneurship company Mary Kay Inc. has again been named the #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World 1 by Euromonitor International for the third consecutive year. Mary Kay products are sold by best-in-class Independent Beauty Consultants who provide personalized service to customers in person and online at and on social and digital media channels. Share Euromonitor International is the foremost provider of global business intelligence, market analysis, and consumer insights with over 50 years of conducting market research across more than 100 countries. "Being named the #1 Direct Selling Brand of Skin Care and Color Cosmetics in the World by Euromonitor International three years in a row marks a grand slam achievement for Mary Kay,' said Ryan Rogers, Chief Executive Officer of Mary Kay. 'This repeated milestone reflects years of R&D and marketing efforts to create skin and beauty solutions that meet consumer needs and are loved the world-over. Above all, it demonstrates the transformative power of our Independent Beauty Consultants who are driving this success globally." In addition to the global recognition, Mary Kay has been named: #1 Brand of Facial Make-Up in Latin America,* #1 Brand of Lip Products in Latin America,* #1 Brand of Color Cosmetics in Mexico,* #1 Brand of Skincare and Color Cosmetics in Mexico.* Sarah Boumphrey, Global Research Director at Euromonitor International, stated, 'Our awards reflect the highest standard of excellence in the industries we track, and beauty and direct selling are no exception. Honorees are recognized through a rigorous, data-driven evaluation process that draws on independent research, global market analysis, and deep category expertise. Euromonitor is proud to collaborate with leading companies, like Mary Kay, and this accomplishment signifies their commitment to performance and quality in a highly competitive landscape." With presence in over 40 markets and millions of Independent Beauty Consultants around the world, Mary Kay continues to set the standard for beauty that empowers and delivers. Several fan-favorite products contribute to Mary Kay's #1 status, including the iconic TimeWise ® skincare line, the dermatologist validated Clinical Solutions ® skincare line, the Mary Kay ® Oil-Free Eye Makeup Remover beloved by influencers and celebrities, the Mary Kay ® Ultimate Mascara™, the Mary Kay Unlimited ® Lip Gloss, and the Mary Kay ® Waterproof Eyeliner, to name a few. In 2024 alone, Mary Kay garnered 65 beauty awards around the world. In addition to the Euromonitor International #1 recognition, Mary Kay recently ranked #11 in the Women's Wear Daily Beauty Inc.'s 2024 Top 100 Beauty Companies. Mary Kay products are sold by best-in-class Independent Beauty Consultants who provide personalized service to customers in person and online at and on social and digital media channels. The Euromonitor award reinforces Mary Kay as one of the world's best loved brands with a business model and corporate mission focused on empowering women, transforming lives, and helping to protect our natural resources. Did You Know: One Mary Kay ® Oil-Free Eye Makeup Remover is sold every 5 minutes around the globe. 2 Nearly 1,500 patents globally are held by Mary Kay for products, technologies, and packaging designs in its global portfolio. 3 Mary Kay's state-of-the-art Richard R. Rogers (R3) global Manufacturing/R&D Center located in Lewisville, Texas, has a production capacity of up to 1.1 million products per day. 62% of Mary Kay's global R&D teams are women. 4 81% of Mary Kay's Global Marketing team & Creative Studio are women. 5 30% of sales force members who started their Mary Kay business in the past year are under the age of 35. 6 About Mary Kay One of the original glass ceiling breakers, Mary Kay Ash founded her dream beauty brand in Texas in 1963 with one goal: to enrich women's lives. That dream has blossomed into a global company with millions of independent sales force members in more than 40 markets. For over 60 years, the Mary Kay opportunity has empowered women to define their own futures through education, mentorship, advocacy, and innovation. Mary Kay is dedicated to investing in the science behind beauty and manufacturing cutting-edge skincare, color cosmetics, nutritional supplements, and fragrances. Mary Kay believes in preserving our planet for future generations, protecting women impacted by cancer and domestic abuse, and encouraging youth to follow their dreams. Learn more at Find us on Facebook, Instagram, and LinkedIn, or follow us on X.

Refinery29

2 hours ago

• Refinery29

A Week As A Student In Los Angeles

Welcome to Money Diaries where we are tackling the ever-present taboo that is money. We're asking real people how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar. Today: a law student who is not currently earning a salary and who spends some of her money this week on a mint stracciatella gelato. If you'd like to submit your own Money Diary, you can do so via our online form. We pay $150 for each published diary. Apologies but we're not able to reply to every email. Occupation: Law student Age: 28 Location: Los Angeles Salary: Currently $0, but with an expected income of ~$40,000 from a summer job. Joint Income & Financial Setup: I live with my boyfriend, K., and we split expected expenses like rent, utilities, and pet costs equally. We do cover things for one another occasionally, him more often than me, since I don't have a steady income. Assets: Investment accounts: $211,400; Roth IRA: $36,800; 401(k): $64;000; checking: $6,300; HYSA/savings: $9,750; crypto: $4,000; HSA: $2,600, car: ~$38,000 (this is how much I've paid toward it, but the value is actually less since it's depreciated since I bought it). Debt: Car loan: $4,400; student loans: ~$40,000. Pronouns: She/her Monthly Expenses Housing Costs: $1,150 (split rent with my boyfriend, K.). Loan Payments: $405.62 (car loan). Car Insurance: $126 Apple iCloud: $2.99 Spotify: $5.99 Internet: $20 Water/Power: ~$60 Gas: ~$18 Capital One Member Fee: $95 (annually). Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes! I grew up in a town where going to college after high school was the path for the overwhelming majority. I got an undergraduate degree and am currently in law school after working for four-ish years after college. My parents paid for my undergrad experience, including both tuition and living expenses, which I am very grateful for. I'm paying for law school myself with a combination of scholarships, savings, and loans. Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances? Growing up, I saw my parents fight about their different views on spending and saving, so I definitely understood that stress surrounds money for a lot of adults. However, I was never aware of any financial strain growing up, as I did club sports, traveled, etc. I definitely know my upbringing was privileged. Beyond the importance of saving, I didn't learn much from my parents — I gained most of my financial knowledge in early adulthood from coworkers and my own research online. What was your first job and why did you get it? I was a (very bad, probably) math tutor in high school, which I think I did because a friend offered me the job when she was no longer able to do it. My first official job was on campus in college at an organization that sends students into the community to tutor kids. Did you worry about money growing up? Other than seeing my parents argue about it, no. Do you worry about money now? Not too much since I think I'm in a pretty good situation financially, but eventually buying a house in LA and raising children is definitely something I think about often now that I'm 28. At what age did you become financially responsible for yourself and do you have a financial safety net? At 26, when I moved out of my parents' house to attend law school. My family or my boyfriend K. would be my financial safety net if something happened. Do you or have you ever received passive or inherited income? If yes, please explain. As mentioned earlier, my parents paid for my college experience and let me live at their house rent-free for about four years after I graduated. They also bought me a used car in college that I sold for $10,000, which went toward the down payment on my current car. Day One: Wednesday 8:30 a.m. — No class today! My boyfriend, K., already fed the cats, so I get out of bed, write my to-dos, and make avocado and cottage cheese toast with an egg on the side. I'm a recent cottage cheese convert. I follow breakfast with an Earl Grey matcha, one of my favorite daily rituals. 9:35 a.m. — Clean up emails and do 'computer stuff' like filling out a survey from my law school. Most of the cleaning up is just deleting emails, so it only takes 15 minutes. 12 p.m. — I finish listing a bunch of old and unwanted clothes on Depop and Poshmark. It always takes me forever, since I model each item and try to be ultra-descriptive to avoid unhappy buyers, so I've been putting it off. Secondhand platforms are one of my side hustles during the school year. I don't make that much, but it's a nice way to counteract my spending and keep the clutter at bay (especially in light of my small shared closet and thrifting addiction). 12:42 p.m. — Lunch is a gorgeous bowl of soup made by K.'s mom and zucchini made by me. His mom gives us tupperwares full of homemade food pretty often, and I'm so grateful for her. 3 p.m. — Video call with a prospective law student! She was so sweet and had great questions. As a first-generation law student, I love talking about my experience and making honest information about the field more accessible. I connect her with a few law friends as well. 4 p.m. — K. recently took my body lotion to the kitchen sink to act as hand cream, so I head to Marshall's in search of actual hand cream (and cat treats). I find just what I need and can't resist getting some cat toys, too. Marshall's is my favorite for when I need stuff but am not specific about what brands they are. When I get home, I promptly move the body lotion back to its rightful place in our medicine cabinet. $17.52 6 p.m. — I cave to my guiltiest pleasure and ask K. to pick up Wingstop on his way home: they have a good tender deal right now. Wingstop always makes me feel gross after, but the joy I feel eating it is unfortunately unparalleled. It's $17 for the two of us, but K pays. 6:40 p.m. — Two of the items I listed for sale today sold! I immediately pack them up. I made $10 on an Artizia shirt and $32 on a pair of Vuori leggings. 11 p.m. — After spending way too much time browsing wedding guest dresses (Club L London, Meshki, Revolve, and Selfie Leslie) and cycling between my usual rotation of TikTok, Reddit, and Instagram, I do my readings for school and get ready for bed. I'm very committed to doing my assigned readings because I prefer to 'study' by being prepared for class rather than cram new material during finals. Goodnight! Daily Total: $17.52 Day Two: Thursday 6:55 a.m. — Rise and shine. I get ready, make a to-go matcha, grab my lunch, and head out the door to campus. 12 p.m. — Two classes down. I have a lunch break before my next class, so I eat (short rib, japchae, and a Korean pancake) while I parse through a classmate's research paper. I have to provide comments on it in my next class, which I didn't realize I had to do until this morning… And it's 37 pages. 2 p.m. — In the middle of my last class and after surviving my own paper's critique, I remember an email I got from Wikipedia this morning asking for a donation. I appreciate that Wikipedia doesn't have ads or a paywall, so I donate a very law student-y amount ($10.40). I also make $24 selling an Artizia hoodie on Depop, so I make a mental note to pack that up when I get home. 4:30 p.m. — I get home and productively couch rot by running the laundry while I lay down. I get munchy around 7 p.m., but for some reason have no interest in eating a real meal, so I eat the weirdest combination for dinner: a leftover vegetable smoothie K. made, a Greek yogurt bowl, and instant ramen (yes, in this order). Not my best work, but the heart wants what it wants. 8 p.m. — K. comes home with a boba for me (my love for boba has not changed since my last diary). We watch an episode of Severance before going to bed around midnight. Daily Total: $10.40 Day Three: Friday 9 a.m. — I habitually wake up at 7 a.m. to feed the cats, but I go back to sleep until 9 a.m. since I don't have class today. Once I'm up, I eat the same breakfast as on Wednesday. 12:45 p.m. — Make it to the gym! I do lower body and some light cardio on the treadmill. I wasn't feeling the best mentally on the way here, but the endorphins help some. I charge my car on the way home and try to stop at a thrift store nearby but find it closed. I'll take that as fate! $8.99 4 p.m. — I eat a small bowl of short rib and rice, then do my full shower-hair-makeup routine in time for a dinner reservation with K. and our friends at 7 p.m. I'm finally starting to get better at blowing my hair out with my Shark. 11 p.m. — Dinner is amazing! We go to K.'s friend's restaurant, which I can best describe as Japanese-influenced fine dining. They always give us extra dishes and discount the bill, which is so kind and not expected. K. and one of his friends cover the bill for the table. 12 a.m. — We meet some more friends at a bar nearby in Chinatown. I agree to drive everyone home, so I don't get any drinks, but it's a great time nonetheless. After we leave the bar, I give my friends some cash to get themselves water and street dogs. $15 Daily Total: $23.99 Day Four: Saturday 11 a.m. — I once again get up at 7 a.m. to feed the cats, but promptly go back to sleep afterwards, since it was a late night. Brunch is rice and the rest of the soup from Wednesday. 3 p.m. — I binge some YouTube, chill, and nap for a majority of the afternoon. I typically feel pretty lazy after nights out, even if I don't drink. I think the sheer extroversion exhausts me. I do sell two more items (Aerie leggings and a random corset top) for $30, which I pack up to ship on Monday. 5 p.m. — I finally mobilize myself and get ready to visit my parents with K. I'm so grateful I chose to go to law school near my family; I see them at least once a week, and it's one of the best parts of each week. I bring shawarma for everyone and, despite my protests, my mom insists on venmoing me the $70 it cost. 7:30 p.m. — I take us out to a new gelato place nearby and finally get to treat everyone. A mint stracciatella gelato hates to see me coming. $33.88 Daily Total: $33.88 Day Five: Sunday 9 a.m. — Good morning! I pack up another item (Sanctuary linen pants, $14) and eat — you guessed it — an avocado and cottage cheese toast with an egg. This diary is making me realize I'm quite a creature of habit. 11 a.m. — I do one of my two readings for tomorrow's classes. I typically procrastinate my readings until nighttime, so this is an accomplishment for me. 12:50 p.m. — Meet up with my sister and mom to grab tempura for lunch. My mom pays. We get matcha and coffee drinks after, which I cover. We originally wanted to go thrifting today, but all the thrift stores are closed for Easter. The universe is really against me thrifting this week! $24 3:30 p.m. — I get home and pack another few items (Aritzia pants, $14; earrings, $4). This is a particularly good week for sales. I wonder if the tariffs are encouraging people to buy secondhand? Anyway, I fully intend to start my last reading before K. gets back from a day trip to Santa Barbara, but the consumerism demons summon me. I browse Mango and heavily contemplate buying the Anja glasses from Gigi Studios on Farfetch, but ultimately add the sunglasses to my summer wishlist when I see that shipping is $24. (Update: I ended up getting the sunnies at the start of my summer job. They were a bit of a treat, considering they were around $240 after shipping charges, and I really like them!) 6:30 p.m. — Okay, now I'm doing my reading. I finish by 7:45 p.m. (though not without distractions). 8:30 p.m. — K.'s back! We get ready for bed, then settle in to watch some YouTube on the couch. We get hungry when we see someone in a YouTube video eating a PB&J, so K. makes us mini grilled cheeses and PB&Js. They absolutely hit the spot. We're in bed by 11:15 p.m. Daily Total: $24 Day Six: Monday 6:45 a.m. — After a night of super weird dreams, I get up slightly earlier than usual to dedicate a bit more time to get ready since I have a school event tonight. Make it out the door, matcha and Depop packages in hand, with just enough time to get to class. 11 a.m. — I realize in my second class that I forgot about an Emi Jay sample sale I intended to check out at 9 a.m. By the time I notice, all the clips I might have wanted are sold out. I'm disappointed because they were selling clips that were actively on the Emi Jay site. Even at half off, $18 for one claw clip is crazy, but I've heard they really do hold — and I have fine hair, so I was eager to try them out. Oh well. 12:40 p.m. — Back at home after dropping my packages at the post office. I eat short rib, rice, and a Korean pancake again for lunch. I can't tell if it tastes old or my mind is playing tricks on me, since I know it's been in the fridge for a while. 5 p.m. — I end up doing nothing I'm supposed to do (two readings for class tomorrow) before it's time to leave for a pregame for the event tonight. I feel guilty for slacking on school stuff, but I rush over and a group of us collectively trek out to the event venue. 10 p.m. — The event ends up being a lot of fun! My friends and I are all hungry after, so we split off between Panda Express and McDonald's. I go for Panda, which is delicious until my stomach starts to feel uneasy. Evidently orange chicken and the Beatbox already swirling around my stomach is not a good combination. $11.63 11:15 p.m. — I get home and go straight to sleep after getting ready for bed. Daily Total: $11.63 Day Seven: Tuesday 6 a.m. — I get up extra early to do one of the readings I didn't get to yesterday. I choose to do this one instead of the other (that I also skipped yesterday) because the professor in this class cold calls. So much for always doing all my readings… 8:20 a.m. — Out the door and off to charge my car. I'm really paying the price for not using my time wisely yesterday. I charge just what I need and get to class five minutes late. $4.17 12 p.m. — Two classes down, and I'm starving! I didn't bring lunch from home today, so I grab a buffalo chicken wrap and Kettle Chips from the school store to eat during my break before my last class. It's finally warming up in LA and eating outside with my friends is lovely, albeit a little bit sweaty. $9.48 6:30 p.m. — Home and chilling for the inevitable future. I'm always burnt out after three-class days. I snack on watermelon, then have beef and radish soup, shredded rotisserie chicken, and rice for dinner. 9:30 p.m. — I finish Gone Girls on Netflix and promptly get up to make sure my doors are locked. I used to be obsessed with true crime until I realized it gave me anxiety and that it kind of sucks to make entertainment out of real-life victims, but alas, I still indulge once in a while. 10 p.m. — K. gets home and we're both super tired, so we're in bed by 11 p.m. Goodnight! The Breakdown Conclusion 'I definitely watch my spending when I'm in school and unemployed, but this still felt like an unusually inexpensive week for me — I think because I went grocery shopping the week before the diary and somehow avoided any online shopping. Plus, my mom paid for two of my meals out. Since starting law school and living off my savings (versus living at home rent-free while I was employed), my spending has definitely tightened up, but it's been a great financial exercise for me and has made me way better at resisting impulse purchases. I'm definitely looking forward to getting paid this summer though. My life has changed so much since my last diary; I'm glad I did this again!'