Ulta Beauty Credit Card Benefits and Rewards

Ulta Beauty Credit Card

Ulta Beauty is the largest U.S. beauty retailer, offering more than 25,000 products across all categories and price points, including its own private label. For consumers who want to earn rewards in the form of beauty products, an Ulta Beauty credit card could be beneficial. Ulta offers the Ultamate Rewards credit card or the Ultamate Rewards Mastercard. As with any credit card, once you get an Ulta credit card, you must make timely payments each month. 

The Ulta Credit Card is a $0 annual fee rewards credit card for people who want to save money on Ulta Beauty products and services. It offers 20% off your first Ulta purchase made with the card, plus ongoing rewards of 2 points per $1 spent at Ulta. The Mastercard version of the Ulta Credit Card also gives 500 bonus points for spending $500 outside of Ulta Beauty in the first 90 days and 1 point per $3 spent on non-Ulta purchases normally. 

Ulta Credit Card points are pretty valuable, too, worth 3 cents to 6.25 cents each, depending on how many you redeem. Cardholders can also earn elite status and increased rewards rates by spending at least $450 in a calendar year. 

The biggest downsides of the Ulta Credit Card are its high APR and the fact that applicants can’t specifically apply for either the Mastercard or store credit card version of the offer. You will first be considered for the Mastercard, which requires a 700+ credit score for good approval odds. If you don’t qualify for the Ulta Mastercard, you will then be considered for the Ulta store credit card, which is generally available to people with credit scores of 640+. Those things don’t have to be deal breakers, though. 

Ulta Credit Card's Rewards

•    20% off all products and services on your first purchase at Ulta Beauty.

•    Enjoy 500 Welcome Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty.

•    Earn 2 points for every $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.

•    Members who spend $500 between January 1 and December 31 will earn Platinum status receiving 25% higher base earning rate.

•    Members who spend $1200 between January 1 and December 31 will earn Diamond status receiving 50% higher base earning rate.

•    Members can use their points to reduce the purchase price of a product or to receive a product for free.

The difference between:

Ultamate Rewards card

Ultamate Rewards Mastercard

Ultamate Rewards credit card

The Ultamate Rewards card is not a credit card. It is Ulta Beauty loyalty program that rewards you with exclusive offers and points for purchases made at Ulta Beauty stores and on ulta.com. The program is free and any United States resident over the age of 16 can join. Full program details can be reviewed on ulta.com/rewards.

The Ultamate Rewards Mastercard is a credit card that can be used at Ulta Beauty and anywhere Mastercard is accepted. You must be over the age of 18 to apply for this card. Once you are approved, you earn one extra point for each dollar spent at Ulta Beauty — in-store or at ulta.com (double points!) and one point for every $3 spent anywhere Mastercard is accepted.

The Ultamate Rewards Credit Card is a credit card that can only be used at Ulta Beauty stores, and on ulta.com. You must be over the age of 18 to apply for this card. Once you are approved, you earn one extra point for every dollar spent in Ulta Beauty stores or on ulta.com — double points!

Are Ulta Credit Cards Good for Me?

This entirely depends on your spending pattern when it comes to cosmetics.

If Ulta, for you, is the ultimate destination for all your cosmetics and beauty needs, then the Ultamate Rewards Mastercard is probably a good choice. 

And if you are the ultimate Ulta shopper, then the Ultamate Rewards Mastercard is far superior to the plane Ultamate Rewards credit card as with the Mastercards you get 3 points for every $1 spent, vs 2 points with the Ultamate Rewards card. Plus, it allows you to accumulate points on all your other daily purchases in life.

The upshot is that you will earn rewards much faster with the Mastercard. So, the Ultamate Rewards credit card is a non-starter for the Ulta shopper.

But here is the giant caveat: Ultamate Rewards Mastercard is good only for spending at Ulta. It is not a card that makes a whole lot of sense for spending on daily, non-beauty-related purchases. One point for every $3 spent is inferior to other credit cards that offer far better cashback options, such as Citi® Double Cash Card – 18 month BT offer or Capital One Savor.

FAQs About Ulta Beauty Credit Card

How do I apply for the Ultamate Rewards Mastercard?

There are two ways you can apply, visit your nearest Ulta Beauty store and apply at checkout or online at ulta.com/credit. If approved, you'll receive a credit card welcome kit in the mail within 7-10 business days.

Can I use my Ultamate Rewards Mastercard or Credit Card on the same day that I apply for the card?

Yes, if you have been approved for a credit card in an Ulta Beauty store or online, you will be able to use your newly opened account on the same transaction and receive a first purchase discount as well! For online applications, you will have to wait until you receive a physical card in the mail for any future online purchases, but you can visit any Ulta Beauty store to look up your account. Guests that are approved online but do not make a purchase in the same session will receive their first purchase discount via email within 48 hours provided they are opted in to Ulta Beauty emails. The first purchase discount is not redeemable at Ulta Beauty at Target or on Target.com.

If I don't have my Ultamate Rewards Mastercard or Credit Card, is there a way to look up/obtain my credit card number so that I can make a purchase?

Yes! When checking out in-store at Ulta Beauty, just tell the Ulta Beauty associate that you would like to pay using your Ultamate Rewards Mastercard or Credit Card and would like to look up your account. You will be asked to show a valid form of identification and enter some information on the pin pad to confirm that it's you! For online purchases, you will need your physical card to check out. If you can't find your card, please contact Comenity Capital Bank by calling 866-257-9195, TDD/TTY: 888-819-1918.

If I was approved for the Ultamate Rewards Mastercard but I want the Ultamate Rewards Credit Card, what can I do?

You can choose to close your Ultamate Rewards Mastercard and reapply for the Ultamate Rewards Credit Card by calling the phone number located on the back of your card or at 866-257-9195.

Where can I view my transaction details and inquire about my credit card balance?

To view your current Ultamate Rewards Credit Card or Ultamate Rewards Mastercard balance, go to ulta.com/credit and click on 'Manage Account' or contact Comenity Capital Bank at 866-257-9195.

What I if I lose my card?

If your card is lost or stolen please contact Comenity Capital Bank by calling 866-257-9195.

How do I earn points?

With the Ultamate Rewards Credit Card and Ultamate Rewards Mastercard, you will earn 1 extra Ultamate Rewards point for every $1 spent at Ulta Beauty. For Ultamate Rewards Mastercard, you will also earn 1 extra Ultamate Rewards point for every $3 spent outside of Ulta Beauty and anywhere Mastercard is accepted.

Do I earn points on all credit card purchases made using the Ultamate Rewards Credit Card or Mastercard?

You will earn points for the amount charged on your credit card on all products at Ulta Beauty, including our Beauty Services. However, gift cards, tips, shipping charges, discounts from vendor coupons (or other similar discount coupons), taxes, and fees are not eligible for points. For Ultamate Rewards Mastercard, you will also earn points for purchases outside of Ulta Beauty and anywhere Mastercard is accepted.

Do points earned on the credit card expire?

Points will expire at the end of the quarter one year after the date they were earned. Check your receipt, ulta.com/rewards, or your monthly Ultamate Rewards email statement for the next expiration date. If you are a Platinum or Diamond member, points never expire as long as you maintain Platinum or Diamond status.

Do Platinum and Diamond members earn points differently with the credit card?

No, Platinum and Diamond members still earn the same amount of extra points: Platinum members earn 1.25 points per $1 spent plus 1 extra point per $1 spent at Ulta Beauty with the credit card. Diamond members earn 1.5 points per $1 spent plus 1 extra point per $1 spent at Ulta Beauty with the credit card.

How do I view Ultamate Rewards points earned with my Ultamate Rewards Credit Card or Ultamate Rewards Mastercard?

You can view your points earned on the credit card by logging into the My Rewards page here. You can also view your total Ultamate Rewards points balance on your store receipt, the My Rewards page on ulta.com/rewards, or your monthly Ultamate Rewards email statements.

When do points earned on the credit card show up in my account?

Credit Card points will be applied to your account once per month, within 5 business days of the generation of your credit card billing statement.

How do I redeem my Ultamate Rewards points earned on the credit card?

At checkout, ask the associate for your points balance. You can start redeeming when you have at least 100 available points. Tell the associate how many points you want applied to your purchase, following the increments in the table below or a combination of increments. Use some or all of them — it's up to you. You can also redeem them online when you get to the payment page. 

What if I don't see my points posted in my rewards account?

Please contact the Ulta Beauty Guest Service team here, and they will assist you.

Check the Ulta Beauty Sales Calendar here. You can also see the latest Ulta offers here to shop you favourite products.