e.l.f shimmer palette has four different shades and there is a clear difference between the colors. So there really is a shade for everyone. The palette comes with a brush which can be good to use when you are using it as a highlighter under your eyebrows or inner corner of your eyes. For applying at the cheekbones, I feel it is easier to use my fingers.
When first applying it, it does look a little grey (a common thing with Korean BB creams) after a little while it will oxidize. During summer time I have to blend it out with a darker shade. I usually blend with Missha perfect cover BB cream in nr 31 (which is way too dark for me so I only use to add warmth to my colder shades).