Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
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 can use their points to reduce the purchase price of a product or to receive a product for free.
APR on Purchases
21.49% - 30.49% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
WalletHub Review
by John Kiernan, Managing Editor
April 19th, 2023
Ulta Credit Card Pros & Cons
No membership fees
High rewards rate
500 Points + 20% discount initial rewards bonus
Spending caps on rewards
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... show more
View 102 User Reviews
Ulta Credit Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 31.49% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
at Comenity Capital's secure site
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Pay your bill online.
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View your account activity.
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Check your card balance.
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Update your account information.
at Comenity Capital's secure site
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 card.
Most Popular
How can I pay my Ulta Credit Card?
Upvotes
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can pay your Ulta Credit Card is through your online account or by using the EasyPay feature. Alternatively, you can make a payment over the phone at (866) 254-9971 or via mail. These are the ways to pay your Ulta Store Card, too.
How to Pay Your Ulta Credit Card
- Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
- Over the phone: Call (866) 254-9971 to make a payment over the phone.
- Via mail: To pay your credit card via mail, send a check or money order (but not cash) to:
Comenity Capital Bank
PO Box 650964
Dallas, TX 75265-0964
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
What credit score do you need for an Ulta Credit Card?
1
Upvote
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...
Does Ulta have a credit card?
4
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Reply
4
1
WalletHub
@WalletHub
Yes,Ultadoes 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...
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1
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Can I use my Ulta Credit Card anywhere?
1
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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 ...
What's the starting credit limit for the Ulta Credit Card?
Upvotes
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...
How can I check my Ulta Credit Card balance?
Upvotes
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...
How do I check my Ulta Credit Card application status?
1
Upvote
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...
How long does it take to get approved for the Ulta Credit Card?
5
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Reply
5
1
Hubert Hansen
@hubert_hansen
You can get instantly approved for the Ulta Credit Card when you apply online or at the register in stores.
But it could also take up to 10 days to process an application. You might even be contacted by Comenity Bank for more information.
You can call 1-855-497-8157 to ask...
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Does the Ulta Credit Card do a hard pull?
2
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2
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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.
...
1
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Can I book a hotel room with my Ulta Credit Card?
1
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Reply
1
John Miller, Credit Cards Moderator
@john_miller
Yes, you can book a hotel room with your Ulta Credit Card. The card is on the Mastercard network, so it can be used pretty much everywhere credit cards are accepted, including hotels.
The Ulta Store Card on the other hand, is a store card, and it can...
Compare The Ulta Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0%for12 months from account opening
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR21.49% - 30.49% (V)
Regular APR12.75% - 18.00% (V)
Regular APR19.74% - 29.74% Variable
Rewards Rate0.33 - 2 points / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 3 points / $1
People Also Apply For
Other Ulta Beauty Cards
Related Credit Card Categories
Ulta Credit Card is related to the following categories:
Travel Rewards Credit CardsEMV Credit CardsCredit Cards for Good CreditMastercard Credit CardsMastercard RewardsCredit Cards for Excellent Credit
Ulta Credit Card Reviews
Share your insights and review the Ulta Credit Card
5
36%
4
10%
3
9%
2
4%
1
41%
2.9
102 reviews
102 reviews
What's Your Rating?
Most Recent
patricia sanchez
@patricia_2727
3 Star Rating
Never receive an increase, I always pay on time and in full. I will like an increase to help balance my credit score. Please approve.
Comment
Ashley
@ashleym917
1 Star Rating
Worst Credit Card!! Do not recommend. Incredibly high APR they don’t tell you in store. They are ripping people off. HORRIBLE CUSTOMER SERVICE.
Comment
eacarrillo84
@eacarrillo84
1 Star Rating
Absolute worse credit card, save yourself the trouble!!! I've been struggling with closing my card for months. Customer service attempts to help but they have no real control over the problem.
Comment
1
James
@jamesp_710
2 Star Rating
Terrible customer service. Website to pay bill is horrible to access and rarely works correctly. Comenity Bank needs to rethink thier whole customer service process particularly the reliability of their credit card websites.
Comment
2
wanda
@wandasloan542
2 Star Rating
Good service, however not with customer service via phone. I could not understand customer service representative, very hard to deal with and nearly impossible to reach when my debit card was lost and could not access my account to make [payment
Comment
Barbara Cywinski
@barbaracywinski
1 Star Rating
The worst credit card I ever had, took 6 months to resolve a dispute. The kept closing my dispute with no notification. Finally get the dispute resolved and they are still trying to charge me for interest and late fees.
Comment
3
jennifer_elnemer
@jennifer_elnemer
1 Star Rating
There is no app and the site fails every month. Payment is ridiculous and they try to charge you when you pay by phone. Cancelling.
Comment
2
Kaye
@kksisco2003
1 Star Rating
Comenity Ulta doesn't have app, website is very basic, and their internal systems lag behind most other lending institutions. Slow to send updates to credit bureaus, even slower in responding to disputes. Customer service is sad, but given proper systems there's not much agents can/will do.
Comment
1
Mickie
@mickiek
1 Star Rating
Even when I pay my account in full, early, I seem to get a $2 charge, even when the balance has be reported $0, at time of payment.
Comment
2
79lpwj
@79lpwj
1 Star Rating
I paid this account off a few months ago and it showing the same balance as if it's not getting paid. This can't look good to creditors. A few other places are just as bad.
Comment
3
Review Ulta Credit Card
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