Last Updated: 07/28/2025
SuperMoney User Recommendation Score -100
Strongly not recommended22 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
16.99% - 25.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Ulta Ultamate Rewards Mastercard Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Ulta Ultamate Rewards Mastercard is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 500 points that can be redeemed for travel, gifts, or other perks.
- APRs: Ulta Ultamate Rewards Mastercard has a variable regular purchase APR that ranges from 16.99% up to 25.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Ulta Ultamate Rewards Mastercard charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Ulta credit card
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Ulta credit card FAQ
Does Ulta credit card have a cash back or rewards program?
Ulta credit card is a rewards card.
| Description |
Does Ulta credit card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Ulta credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Ulta credit card benefits?
Ulta Ultamate Rewards Mastercard provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Ulta credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Ulta Ultamate Rewards Mastercard has a variable purchase APR that ranges from 16.99% up to 25.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.99% .
Does Ulta credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Ulta credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Ulta credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Ulta credit card have a foreign transaction fee?
Ulta credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Ulta credit card?
The customer service number for Ulta credit card is (185) 579-69632.
What is the login page for Ulta credit card?
You can access the login page of Ulta credit card here.
How do people rate the customer service and user experience of Ulta credit card?
Overall, Ulta credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Ulta Ultamate Rewards Mastercard report your account activity to credit bureaus?
Yes, Ulta Ultamate Rewards Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Ulta credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Ulta credit card
- Visit the website of Ulta credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Ulta credit card
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM