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  Ulta Ultamate Rewards Mastercard
Ulta Ultamate Rewards Mastercard
in Credit Cards from Comenity Bank
Unaffiliated

Ulta Ultamate Rewards Mastercard

Unaffiliated
in Credit Cards from Comenity Bank
SuperMoney Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

0 users recommend
0 users are unsure
22 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 16.99% - 25.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 26.99%
(Verified 08/04/2023)
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 22

Ulta Ultamate Rewards Mastercard Review

This is a store rewards card issued by Comenity Bank. If you're wondering whether Ulta credit card is the right card for you, read on.

Key Takeaways

  • Signup bonus. Offers a signup bonus of 500 points after spending $500 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Ulta Ultamate Rewards Mastercard has a variable 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.
  • 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 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Ulta credit card

The Good The Bad
  • No annual fee
  • Earn points on purchases.
  • Can be used anywhere Mastercard is accepted.
  • No annual fee.
  • Free access to your credit score.
  • Cardholders can earn rewards on purchases everywhere Ulta Ultamate Rewards Mastercard is accepted.
  • Ulta Ultamate Rewards Mastercard reports to multiple credit bureaus.
  • High interest rate
  • With a 3% foreign transaction fee, this is not a great credit card to use when traveling internationally..
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee

Ulta credit card FAQ

Does Ulta credit card have a cash back or rewards program?

Ulta credit card is a rewards card.

Ulta credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 500
Signup Bonus Spend Requirement $500

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 after spending $500 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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance.

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?

The following fees apply:

Ulta Ultamate Rewards Mastercard Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee?
Annual Fee $0
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40

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 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 Ulta credit card customer service number is (185) 579-69632.

What is the Ulta credit card login page?

You can access the Ulta credit card login page 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Ulta credit card

  • Visit the Ulta credit card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

Comenity has been helping people get more for their money since we introduced our first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world’s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards. Trusted for more than 30 years, we continue to raise the bar every time you connect with us.

We have your beauty needs covered from head to toe with the Ultamate Rewards Credit Card. Earn points at Ulta Beauty and no annual fee! You can Pay your bill online, view your account activity, check your card balance, and update your account information

Contact

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

Other Services by Comenity Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Rewards Rates
  • Retail
  • Every Purchase
Signup Bonus (points) 500
Cash Advance APR (Variable APR) 26.99%
APR Type Variable APR
Balance Computation daily balance (including current transactions)
Purchase APR (Variable APR) 16.99% - 25.99%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 26.99%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
  • Bonus Offers
Card Network Mastercard

Ulta Ultamate Rewards Mastercard Community Reviews

 

Would you recommend Ulta Ultamate Rewards Mastercard to your friends?

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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