WalletHub Rating
4.4/5
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. Info about the Ulta Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.7/5
136 reviewsRead and write reviews
Editor’s Review
4.4/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
4.6
Cost
4.7
Other Features
0.0
4.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
23.24% - 32.24% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
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 2.25 points per $1 spent.
Members who spend $1,200 between January 1 and December 31 will earn Diamond status receiving 2.5 points per $1 spent.
Members can use their points to reduce the purchase price of a product or to receive a product for free.
Ulta Credit Card's Additional Info
Pay your bill online.
View your account activity.
Check your card balance.
Update your account information.
show more
at Comenity's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 13th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Ulta Credit Card Pros & Cons
No membership fees
High rewards rate
500 Points + 20% discount initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Ulta Credit Card Review
4.4 / 5
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 $500 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.
Below, you can find more information to help you decide whether or not to apply for the Ulta Card. If you have questions about an existing account, the Ulta Credit Card customer service number is 866-254-9971.
Ulta Credit Card Review Highlights:
• Annual Fee: $0
• Initial Bonus: 500 Points + 20% discount
• Ongoing Rewards: 0.33 - 2 points / $1
• Interest Rate: 23.24% - 32.24% (V)
• Rewards Redemption: Ulta Credit Card users can redeem points for Ulta Beauty products and services at varying rates. Redeeming 100 Ultamate Rewards points gets you $3 off, for example, while 250 points equal $8 off, 500 points are worth $17.50 and so on – all the way up to 2,000 points for $125 off.
Bottom Line: Is the Ulta Credit Card Worth It?
Yes. The Ulta Credit Card is worth it because it has a $0 annual fee and good rewards. Just make sure to pay the bill in full by each due date in order to avoid interest charges, which could skew the value proposition.
Show More
Compare The Ulta Credit Card vs. Popular Alternatives
 Ulta Credit Card |  Wells Fargo Active Cash® Card |  Blue Cash Everyday® Card from American Express |
|---|---|---|
4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 2.7 Market Comparison 4.5 fees: 5.0 rewards: 4.6 cost: 4.7 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for12 months from account opening | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR23.24% - 32.24% (V) | Regular APR20.24% - 29.99% Variable | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Rates & FeesTerms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about Ulta Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
Upvotes
How can I pay my Ulta Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can make an Ulta Credit Card payment online, by phone, by mail or through EasyPay. To pay an Ulta Credit Card bill online, log in to your online account and click on “Pay Now.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make an Ulta Credit Card Payment
- Online: Log in to your online account and click on “Pay Now” or use the EasyPay feature in order to pay your bill.
- By phone: Call 1 (866) 257-9195 and enter your card information when prompted, then follow the prompts to make a credit card payment.
- By mail: Send a check or money order (but not cash) to Comenity Capital Bank / PO Box 183003 / Columbus, OH 43218-3003. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Ulta Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
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1
Upvote
What credit score do you need for an Ulta Credit Card?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
The credit score you need for an Ulta Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Ulta Store Card, though, has more lenient approval requirements, as it accepts people with at least fair credit (640+).
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for...
4
Upvotes
Does Ulta have a credit card?
Reply
4
1
WalletHub
@WalletHub
Yes, Ulta does have a credit card. It comes in two types: the Ulta Store Card (which can only be used at Ulta) and the Ulta Credit Card (which works everywhere). Both Ulta credit cards are issued by the same bank and offer the same perks on Ulta purchases. For instance, both give 20% off your first purchase. However, the Ulta Credit Card offers rewards on purchases made elsewhere, too.
Ulta Store Card Details
- Rewards: Both cards get you 20% off your first purchase and 2 points / $1 spent at...
5
1
View more answers
Upvotes
How do I activate my Ulta Credit Card?
Reply
Chip Lupo, Credit Card Writer
@CLoop
To activate a Ulta Credit Card, call 1 (800) 528-4800 or go to the Comenity Bank activation website.
Your new Ulta Credit Card will be ready to make purchases in just a few moments, no matter which activation method you use. Comenity Bank does not have a certain time limit within which you need to activate your card, but it's best to do it as soon as possible.
How to Activate a Ulta Credit Card
- By phone: Call 1 (800) 528-4800 or the number...
1
Upvote
Can I use my Ulta Credit Card anywhere?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
Yes, you can use your Ulta Credit Card virtually everywhere in the world that accepts credit cards, as this card is on the Mastercard network. Keep in mind, though, that this card has a 3% foreign transaction fee, which means you will incur extra charges for international purchases.
The Ulta Credit Card offers 2 points per $1 spent at Ulta Beauty and 1 point per $3 spent on all other purchases. The card also has a $0 annual fee. So, it's a good option for people who shop a lot at Ulta Beauty.
Things...
Upvotes
What's the starting credit limit for the Ulta Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The starting credit limit for the Ulta Credit Card is usually around $1,000 to start, according to forum posts, and some cardholders report limits as high as $3,700. The issuer does not include any specific credit limit information in the card's terms, though. It's worth noting that the Ulta Store Card reportedly offers lower credit limits, ranging between $250 and $750.
For the most part, the Ulta Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the...
Upvotes
How can I check my Ulta Credit Card balance?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can check your Ulta Credit Card balance is online, by signing in to your account. Alternatively, you can find out your credit card's balance by calling customer service at (866) 254-9971 or the number you see on the back of your card.
How to Check Your Ulta Credit Card Balance
- Online: Log in to your Ulta Credit Card account to see its balance. From there, you can also pay your bill, set up alerts and lock...
1
Upvote
How do I check my Ulta Credit Card application status?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You can check your Ulta Credit Card application status by calling (866) 254-9971. When you call, you'll need to provide either your Social Security Number or your phone number so that the issuer can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. The issuer does not allow you to check your application status online.
How to Check Your Ulta Credit Card Application Status
- ...
5
Upvotes
How long does it take to get approved for the Ulta Credit Card?
Reply
5
1
Maria Adams, Credit Cards Moderator
@m_adams
You can get approved for the Ulta Credit Card in as little as 60 seconds. If you don't get approved immediately after applying, it's because the issuer needs more time to verify your information. In that case, you should receive the decision by mail in 7-10 days from the moment you submitted the application.
You can check the status of your Ulta Credit Card application status by calling their customer service at (866) 254-9971. If your application was approved,...
2
Upvotes
Does the Ulta Credit Card do a hard pull?
Reply
2
1
Arnold Freeman
@arnold_freeman
The Ulta Credit Card does a hard pull on your credit when you apply for it.
You will need at least a good credit score to get it, which is more than most store cards require, but you will be able to use it anywhere Mastercard is accepted.
Ulta might also offer you a pre-approval via mail or in stores. While a pre-approved offer only results in a soft pull, it doesn't guarantee...
1
1
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Ulta Credit Card is related to the following categories:
Ulta Credit Card Reviews
Share your insights and review for the Ulta Credit Card
5
32%
4
10%
3
7%
2
3%
1
49%
2.7
136 reviews
136 reviews
What's Your Rating?
Most Recent
janet Nelson
@janetenelson5
1 Star Rating
Horrible. It was very hard to find a way to pay other than automatic payments. I finally found a phone number, but no one answered. A few days later, I was able to speak with someone, but they were not well-trained and were unprofessional. This wrecked my credit score- because of their incompetence.
Comment
alliemberry22
@alliemberry22
1 Star Rating
When I signed up for this card in the store, the cashier told me it was just a rewards card and not an actual credit card. I used it once and missed a payment because I didn't know it was a credit card, and it negatively affected my credit score. They were very misleading about what it actually was. I stopped using it for a few years but decided to try it again and had a new card sent to me, with the understanding that I had a $100 credit. When I went to use the card, it would always say the purchase was 'not complete'. When I tried to figure out why, I was told I had a block on my account and it would need to be reinstated. It didn't go through, and I'm not able to use the card, yet they sent me a new one and said I had available credit. Very misleading in everything they do, and it is frustrating and not worth it.
Comment
1
LALEH JAMSHIDIFAR
@new1400
1 Star Rating
The statement was sent to the old address, so I had forgotten the cutoff time since I did not receive the bill. They never accepted that it was not my fault the statement was sent to the old address and refused to reverse the late fee. Please note, the cut off time was missed by half an hour not even an hour. This was not fair, and I would not do business with them anymore.
Comment
amira aa
@trish21215
1 Star Rating
Sometime last year I thought I submitted a payment but allegedly it didn't go through. ALLEGEDLY... For some reason I only have issues with Ulta/Comenity. I made my payment immediately when I found out but was still hit with a late fee. I asked for a one time comp to be told they can only take off $10 out of $30. I closed the account immediately. Who are you to think I need you? Y'all need us! Fast forward to the now, I randomly setup autopay several weeks back for the remainder of the balance and of course this scammy company takes forever to jumpstart autopay. Every other CC I have started immediately. They all say 1-2 billing cycles but still starts immediately. Of course trash Comenity says to check your statements for an official start date. I went to double check but there was nothing on the statement. I call in a few days after my due date realizing they didn't take their money to be met with some combative, argumentative yt man who thought he was going to talk over me. I continued talking over him most of the times he tried to interrupt me and the 2 times I did stop talking when he interrupted me I gave him a stern "As I was say..." to let him know I shall be continuing on with what I said. Not sure who these clowns are talking to but this is my money. You would not be sitting your portly behind on the phone, employed without us. Some of these CS reps get too big for their britches and this is why a lot of them get cursed out. He's lucky I was actually have a great day because let it had been a day I woke up on the wrong side of the bed. Stern would've been a word in my rearview.
Comment
tatkachampion
@tatkachampion
1 Star Rating
I was charged a late fee for a bill I mailed on time. When I asked to have the late fee decision reviewed, I was told that it wasn't an option. So, I closed the account, and I will provide a similar review on all possible forums.
Comment
KY YK
@kristina53797
1 Star Rating
If I could give 0 stars, I certainly would. Never open an Ulta credit card! There is no way to pay your bill in the store, and there is also no way to pay your bill online. You have to call the number on the back of your credit card and provide all your bank account details. They don't charge you immediately, but only after a few days. This is incredibly inconvenient because you must constantly check the balance on your Ulta credit card to ensure you don't get charged interest. If you try to pay your bill again because you're concerned your payment didn't go through, they'll charge you about $30! Furthermore, you will need to make about 15 calls to customer service to talk to someone about the payment issue. Never open this credit card. I'm canceling my Ulta credit card and will no longer shop in Ulta stores. I am now contacting representatives of the Ulta store chain. Today, you lost a customer who brought you about $500 a month in revenue. Change your credit card payment system so you don't lose more customers.
Comment
Mohammad Mirwais
@mirwais_22
1 Star Rating
One of the worst cards ever. My payment was on the 14th, but they charged me on the 12th for a late fee. I called them to get my money back, but the lady said our system shows the 11th.
Comment
Gabby Castillo
@gabby_cast44
1 Star Rating
I am a credit card based consumer and by far the WORST credit card I've ever owned. BEWARE! Late charges $39.99 plus $40 fees. There are other credit cards that offer incentives and really worth having. This was a HUGE mistake. Sounds great at first but can't say that now. My credit limit was at $400. I lost my job and missed some payments and although I did not use my card the balance went up to $1400. ?I pay what I can and still I get calls 6-7 times a day including weekends, don't get me started on the text messages. No matter what the account balance continues to go up with or without payments made.
Comment
4stores502
@4stores502
1 Star Rating
Only use it at Ulta, and buyer beware. I have put this card at the bottom of my shoebox! They don't accept or listen to the account user. If you tell them you didn't authorize the purchase, they don't care. If you tell them you didn't receive the merchandise, they don't care. Oh yes, they will open a fraud case but come back later and say it's not fraud.
I don't have any problems with my other Mastercards. But this credit card company, Bread or Comenity or Ulta Mastercard, doesn't take the side of the user.
I have filed a complaint with the BBB against this company and the less reputable company that has no real address to write a Google review to warn others.
Now, put this card back, and use another like Discover, Mastercard, your bank card, Costco card, etc. At least, those companies take the side of the payer/user.
Also, for the company representatives reading these emails, I am going to keep posting negative reviews and cost you more money than it would to do the right thing. LOL!?
Comment
Annette
@ajmenot00
5 Star Rating
I love Ulta; they're a bit on the expensive side, but the attention and care you get from the wonderful people that work there is priceless. The customer service is amazing. Thank you all. Go Ulta, shop there—it’s worth it. 10 out of 5 stars rating. ?❤️
Comment
1
Review Ulta Credit Card
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