The Ulta Credit Card is a rewards-based credit card offered by Ulta Beauty in partnership with Comenity Bank, designed for frequent shoppers who want to earn points on beauty purchases and enjoy exclusive perks.
There are two types of Ulta credit cards: the Ultamate Rewards Credit Card and the Ultamate Rewards Mastercard.
The Ultamate Rewards Credit Card is a store card that can only be used at Ulta Beauty stores and ulta.com, earning 2 points per $1 spent with no annual fee.
The Ultamate Rewards Mastercard, on the other hand, can be used anywhere Mastercard is accepted, earning 2 points per $1 at Ulta and 1 point per $3 on non-Ulta purchases.
Both cards provide access to bonus points, exclusive discounts, and financing options, making them a valuable choice for beauty lovers who frequently shop at Ulta.
Types of Ulta Credit Cards: Store Card vs. Mastercard
Ulta Beauty offers two types of credit cards: the Ultamate Rewards Credit Card and the Ultamate Rewards Mastercard, both issued by Comenity Bank.
While both cards allow you to earn rewards on Ulta purchases, they have key differences in where they can be used and how they earn points.
The Ultamate Rewards Credit Card is a store card that can only be used at Ulta Beauty stores and ulta.com.
It offers 2 points per $1 spent at Ulta, helping frequent shoppers accumulate rewards quickly. This card is ideal for those who primarily shop at Ulta and want to maximize their beauty rewards.
The Ultamate Rewards Mastercard can be used anywhere Mastercard is accepted, making it more versatile.
It also earns 2 points per $1 spent at Ulta but adds an extra benefit of 1 point per $3 spent on purchases outside of Ulta.
This card is a better option for those who want to earn rewards on everyday spending beyond beauty products.
Both cards have no annual fee, offer special discounts and promotions, and provide access to exclusive cardholder perks.
The right choice depends on your shopping habits—if you shop exclusively at Ulta, the store card may be sufficient, but if you want to earn points on all purchases, the Mastercard is the better option.
Ulta Credit Card Benefits & Rewards
The Ulta Credit Card offers beauty lovers the chance to earn rewards, enjoy exclusive perks, and save money on their purchases.
Whether you choose the Ultamate Rewards Credit Card (store card) or the Ultamate Rewards Mastercard, both cards come with valuable benefits.
Rewards & Earning Points
- Earn 2 points per $1 spent at Ulta Beauty stores and ulta.com.
- Ultamate Rewards Mastercard holders also earn 1 point per $3 spent on purchases outside of Ulta.
- Get 500 bonus points (worth $17.50 in Ulta purchases) when you make your first purchase with the card.
Exclusive Cardholder Perks
- No annual fee on either card.
- Special promotions & discounts, including exclusive bonus point offers.
- Birthday gifts & extra point opportunities for cardholders.
Redeeming Rewards
- Points can be redeemed for Ulta Beauty products (100 points = $3 off).
- No blackout dates—use points on anything in-store or online.
Financing & Payment Flexibility
- Access to special financing options on qualifying purchases.
- Multiple payment options, including online and mobile payments.
The Ulta Credit Card is a great way for frequent Ulta shoppers to maximize their rewards, save on beauty purchases, and enjoy exclusive benefits.
How to Apply for an Ulta Credit Card
Applying for an Ulta Credit Card is a quick and simple process. You can apply online or in-store at any Ulta Beauty location.
Here’s a step-by-step guide to help you get started:
Check Your Eligibility
- Must be at least 18 years old (19 in some states).
- Must have a valid U.S. mailing address and Social Security Number.
- Must have a good credit score (typically fair to good is required).
Choose the Right Card
Ulta offers two credit card options:
- Ultamate Rewards Credit Card (store card, only usable at Ulta).
- Ultamate Rewards Mastercard (can be used anywhere Mastercard is accepted).
If approved for the Mastercard, you’ll automatically receive it instead of the store card.
Apply Online
- Visit the Ulta Beauty website or go directly to Comenity Bank’s Ulta Credit Card page.
- Click “Apply Now” and fill out the application with your personal and financial information.
- Submit your application and wait for an instant approval decision.
Apply In-Store
- Visit an Ulta Beauty location.
- Ask a cashier or beauty associate about applying for an Ulta Credit Card.
- Provide your ID and basic financial details to complete the application.
Receive Your Card & Start Earning Rewards
- If approved, you will receive your card in the mail within 7-10 business days.
- You can start using your account immediately for Ulta purchases.
Applying for an Ulta Credit Card is a great way to earn rewards, unlock special discounts, and maximize savings on beauty products.
Ulta Credit Card Login & Payment Options
Managing your Ulta Credit Card is easy with Comenity Bank’s online portal, where you can check your balance, make payments, and track rewards.
Below is a step-by-step guide to logging in and making payments.
How to Log In to Your Ulta Credit Card Account
To access your account, follow these steps:
- Visit the Ulta Credit Card login page on Comenity Bank’s website.
- Click on “Sign In” and enter your username and password.
- If you forgot your credentials, click “Forgot Username/Password” to reset them.
Payment Options for Your Ulta Credit Card
There are multiple ways to pay your Ulta Credit Card bill:
Online Payment (Fastest & Easiest)
- Log in to your Comenity Bank account.
- Click on “Make a Payment” and enter your payment details.
- Choose your payment amount and submit.
Pay by Phone
- Call Comenity Bank’s customer service at 1-866-257-9195 (for store cards) or 1-866-271-2680 (for Mastercard).
- Follow the automated system or speak to a representative to process your payment.
Pay by Mail
- Send a check or money order (with your account number) to:
Comenity Capital Bank
P.O. Box 659820
San Antonio, TX 78265-9120 - Allow 7-10 days for processing.
In-Store Payment (Not Available)
Currently, Ulta does not accept in-store payments for credit card bills.
Ulta Credit Card Fees & Interest Rates
Before applying for an Ulta Credit Card, it’s important to understand the fees and interest rates associated with the card.
Both the Ultamate Rewards Credit Card (store card) and the Ultamate Rewards Mastercard have different charges that can impact your overall cost.
Annual Fee
$0 annual fee for both the store card and Mastercard versions.
Interest Rates (APR)
Regular APR: 30.74% (Variable)
- If you carry a balance, interest charges can be high. It’s best to pay off your balance in full each month to avoid these fees.
Late Payment & Penalty Fees
Late Payment Fee: Up to $41
Returned Payment Fee: Up to $41
- Payments must be made on time to avoid additional charges.
Foreign Transaction Fees (Mastercard Only)
3% of each transaction made in a foreign currency.
- If you travel internationally, using a no-foreign-fee credit card may be a better option.
Minimum Interest Charge
$2 minimum if interest is charged on your account.
While the Ulta Credit Card offers great rewards and perks, it’s essential to pay your balance in full each month to avoid high-interest charges. If you frequently carry a balance, a lower-APR credit card may be a better option.
Is the Ulta Credit Card Worth It? Final Verdict
The Ulta Credit Card can be a great option for beauty lovers who frequently shop at Ulta Beauty and want to earn rewards on their purchases.
However, whether it’s the right card for you depends on your spending habits and financial goals.
Who Should Get the Ulta Credit Card?
Frequent Ulta Shoppers – Earn 2 points per $1 spent and unlock exclusive discounts.
Ultamate Rewards Members – Maximize points and redeem them for beauty products.
Those Who Pay in Full Each Month – Avoid the high 30.74% APR by not carrying a balance.
Shoppers Looking for Exclusive Perks – Get bonus points, special offers, and birthday gifts.
Who Should Skip the Ulta Credit Card?
People Who Carry a Balance – The high APR can lead to expensive interest charges.
Shoppers Wanting More Flexible Rewards – Points can only be redeemed at Ulta, unlike general cashback credit cards.
Those Looking for Travel Benefits – No travel rewards, airport perks, or extensive fraud protection.
Final Verdict: Worth It for Ulta Fans, But Not for Everyone
If you regularly shop at Ulta and want to earn rewards on beauty purchases, the Ultamate Rewards Credit Card or Ultamate Rewards Mastercard can be a valuable addition to your wallet.
However, if you want a more versatile rewards program or carry a balance, a general cashback or low-APR credit card may be a better choice.
