Ulta Credit Card Review

The Ulta Beauty Rewards Credit Card comes in two versions: a store-only credit card and the Ulta Beauty Rewards Mastercard. Both offer 2 points per dollar spent at Ulta Beauty for standard loyalty members, including the regular Ulta Beauty Rewards point and an additional point earned with the credit card. The Mastercard can also be used outside Ulta, where it earns 1 point for every $3 spent. Both cards have no annual fee, but their high interest rates make them best suited for shoppers who pay their balances in full.

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What Is the Ulta Credit Card?

The Ulta Beauty Rewards Credit Card is a store credit card issued by Comenity Capital Bank. It is connected to the Ulta Beauty Rewards loyalty program and gives cardholders an additional point for every dollar spent on qualifying purchases at Ulta Beauty.

There are two versions:

• Ulta Beauty Rewards Credit Card: A store-only card that can be used at Ulta Beauty stores and Ulta.com.
• Ulta Beauty Rewards Mastercard: A Mastercard that can be used at Ulta Beauty and anywhere Mastercard is accepted.

When you submit an application, you are considered for the Mastercard first. If you do not qualify for that version, you may still be considered for the store-only Ulta Beauty Rewards Credit Card.

Ulta Beauty Rewards Credit Card vs. Mastercard

The biggest difference between the two cards is where you can use them and how they earn rewards.

Ulta Beauty Rewards Credit Card

The store-only version can be used for qualifying purchases at Ulta Beauty stores and on Ulta.com. It earns an additional 1 point per dollar spent at Ulta, on top of the points you already earn through the Ulta Beauty Rewards membership program.

For a standard loyalty member, that means earning 2 points per dollar on eligible Ulta purchases. Platinum and Diamond members earn more because their loyalty-program base rates are higher.

Ulta Beauty Rewards Mastercard

The Mastercard offers the same additional point per dollar at Ulta Beauty, but it can also be used for purchases outside the retailer.

• Ulta Beauty purchases: An additional 1 point per dollar, on top of regular loyalty points.
• Purchases outside Ulta: 1 point for every $3 spent on eligible purchases.
• Welcome bonus: 500 bonus points after spending $500 outside Ulta Beauty during the first 90 days, subject to the offer terms.

The Mastercard also provides access to Beyond Ulta Beauty Rewards, a program that offers eligible cardholders cash-back statement credit deals with participating brands. Offers must be activated and are subject to program terms.

How Do Ulta Credit Card Rewards Work?

Both credit cards add an extra point for every dollar spent on qualifying purchases at Ulta Beauty. That point is added to the regular points earned through the Ulta Beauty Rewards membership program.

For standard members, the combined earning rate is 2 points per dollar at Ulta. Members with higher loyalty status earn more:

• Standard members: 2 points per dollar at Ulta.
• Platinum members: 2.25 points per dollar at Ulta.
• Diamond members: 2.5 points per dollar at Ulta.

The Mastercard also earns 1 point for every $3 spent on eligible purchases outside Ulta. The store-only card does not earn points on purchases outside the retailer because it cannot be used elsewhere.

Redeeming Ulta Beauty Rewards Points

Points can be redeemed for discounts on merchandise at Ulta Beauty stores and Ulta.com. The redemption value increases as you accumulate more points.

• 100 points = $3 off
• 250 points = $8 off
• 500 points = $17.50 off
• 750 points = $30 off
• 1,000 points = $50 off
• 2,000 points = $125 off

Points can be valuable when saved for larger redemptions. However, they are not the same as cash back and cannot be redeemed for cash. Points generally expire at the end of the quarter one year after they are earned. Platinum and Diamond members keep their points as long as they maintain their status.

Some purchases do not qualify for points, including gift cards, taxes, shipping charges, and certain third-party marketplace purchases. Review the current Ulta Beauty Rewards program terms for the full list of exclusions.

Ulta Credit Card Welcome Offer

New cardholders may receive 20% off their first qualifying purchase when they open and use either Ulta credit card. The offer is subject to restrictions, including exclusions for certain products, purchases, and third-party marketplaces.

The Mastercard also advertises a 500-point bonus after spending $500 outside Ulta Beauty within the first 90 days. This is a separate offer for eligible Mastercard accounts and is subject to its terms.

These offers can provide an initial benefit, but they should not be the main reason to open a credit card. Consider whether the ongoing rewards fit your spending habits.

Ulta Credit Card APR and Fees

Neither Ulta credit card has an annual fee. However, the interest rates are high, particularly on the store-only version.

• Annual fee: $0 for both cards.
• Store card purchase APR: 32.00% variable.
• Mastercard purchase APR: 23.09% to 32.00% variable, depending on creditworthiness.
• Mastercard balance transfer APR: 23.09% to 32.00% variable.
• Mastercard cash advance APR: 33.00% variable.

The Mastercard also has a minimum interest charge of $3 when interest is assessed. Late and returned payment fees may apply. The store-only card does not offer balance transfers or cash advances.

These rates are listed in the October 2026 credit card agreement and can change. The APR assigned to an approved Mastercard account depends on the applicant's creditworthiness and the applicable Prime Rate.

Because of the high APRs, carrying a balance can quickly outweigh the value of the rewards. Paying the statement balance in full each month is the best way to avoid purchase interest when the account qualifies for a grace period.

Who Can Apply for an Ulta Credit Card?

You must be at least the age of majority in your state, generally 18, to apply. Applications are subject to credit approval by Comenity Capital Bank.

Ulta does not publish a specific minimum credit score that guarantees approval. The bank evaluates applications using its own credit criteria and the information in the applicant's credit report and application.

Applicants are considered for the Mastercard first. If they are not eligible for that card, they may be considered for the store-only credit card instead. Being considered for the store card does not guarantee approval.

Advantages and Disadvantages of the Ulta Credit Card

Advantages

• No annual fee on either version.
• Earns an additional point per dollar on qualifying Ulta Beauty purchases.
• The Mastercard can earn points on eligible purchases outside Ulta.
• Offers a 20% discount on the first qualifying purchase.
• Mastercard cardholders may receive a 500-point welcome bonus and access to Beyond Ulta Beauty Rewards offers.

Disadvantages

• The store-only card cannot be used outside Ulta Beauty.
• The standard purchase APR is high on both versions.
• Mastercard purchases outside Ulta earn only 1 point per $3 spent.
• Rewards points are not cash and must be redeemed through the Ulta Beauty Rewards program.
• Points can expire if you do not maintain Platinum or Diamond loyalty status.
• Carrying a balance can cost more in interest than the rewards are worth.

Is the Ulta Credit Card Worth It?

The Ulta Beauty Rewards Credit Card may be worthwhile for shoppers who regularly purchase beauty products at Ulta and pay their credit card balances in full. The additional point per dollar can help frequent customers accumulate rewards faster, and neither version has an annual fee.

The Mastercard is the more flexible option because it can be used outside Ulta Beauty and earns points on eligible purchases elsewhere. However, its outside-Ulta earning rate is relatively limited at 1 point for every $3 spent.

The store-only card makes sense primarily for dedicated Ulta shoppers who want additional rewards on purchases at that retailer. If you want a card for everyday spending, a general-purpose cash-back credit card may offer better value and more flexibility.

Neither card is a good choice if you expect to carry a balance. The high APRs can easily outweigh the value of the rewards, so paying your bill in full is especially important.

Where Can You Learn More About the Ulta Credit Card?

You can review the current card benefits, welcome offers, and application information on Ulta Beauty's official website. Remember that the Mastercard and store-only card have different acceptance rules, and all applications are subject to credit approval.

Visit Ulta Beauty's official credit card page

Review the Ulta credit card agreement and current rates