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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
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
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
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
-1000+100
No one recommends
Everyone recommends
Ulta Ultamate Rewards Mastercard Community Reviews
Would you recommend Ulta Ultamate Rewards Mastercard to your friends?
U
Anonymous
Jul 15, 2023
May or may not recommend
Interest rate presently at 27% Apr as of 7/15/23. Common credit cards are around - 19 - 20% Apr. Bank cards may run closer to 10 - 12% Apr - don't waste your money on paying a higher interest rate. Poor customer service with little to no customer verification. A lady called in to use my card and I am a male. They called Ulta ...Show More
PL
Phyllis L.
Jun 28, 2023
May or may not recommend
Payment made through bill pay with my bank which pays with electronic checks. This company says that payment has not been received although that amount has cleared my bank. I have confirmation number and check number but Comenity insists it hasn’t received and insists the problem is on my end. I have verified with my bank that all of the above info is correct. If they ...Show More
AV
Amelia V.
May 24, 2023
May or may not recommend
Poor customer service, condescending agents and supervisors and antiquated late fee reversal policy of reversing one per 18 months regarless of hardship/next day payment/Covid-19. Social media posts acknowledging mental health awareness month yet enforces policies that exploit those experiencing hardship. Not worth it and Ulta ought to consider doing business elsewhere
A C.
May 19, 2023
May or may not recommend
I can say without a doubt or ounce of exaggeration that this Comenity/Ultamate Rewards Mastercard is the absolute worst experience with a credit card or financial institution I've ever had. I have 8 credit cards, all of which I pay off in full each month, as I've done ever since I opened my first account over 13 years ago. My credit score is 797, I never incur late fees or ...Show More
Chelsea S.
Apr 16, 2023
May or may not recommend
DO NOT GET THIS CARD! The site is always down and/or having issues, my information had to be corrected multiple times over the phone even though it was put in correctly by the sales associate the day that I opened it, they make you pay by 5pm the day it’s due not just the day it’s due and charge a $30 fee if you miss it, and to top it ...Show More
MM
Marlene M.
Oct 10, 2022
May or may not recommend
Ulta Mastercard is BY FAR the WORST credit card I have ever had. The customer service is horrendous. The website is always down. You will wait on hold for an enormous amount of time. You will repeat your information a number of times and still not have resolve. JUST SAY NO to this card!
U
Anonymous
Oct 4, 2022
May or may not recommend
I had the exact same experience as Kathy H below ---DO NOT GET THIS CARD!!!!!!!!! I paid this and asked my account to be closed- and I paid the balance in FULL....Just got another bill for $3.54 even though my card is closed and they gave me some mubojumbo about revolving interest. And btw the rep will charge you another $9.00 on top of that unless you use ...Show More
JC
Jennifer C.
Sep 21, 2022
May or may not recommend
Their system is ALWAYS DOWN for some reason and has been this way for over a year. I sent a check to pay off the balance and it was left for over two weeks. I decided for safety to put a stop payment on the check and reissue. I made the company aware, the said they noted the account then I got sacked with a $30 fee. When ...Show More
U
Anonymous
Apr 28, 2022
May or may not recommend
I am a victim of identity theft so I had to do a questionare over the phone. They declined my credit because they said they couldn't verify my identity and I answered questions about myself wrong. Really??!! I had a Victoria Secret account that was in great standing, I always paid my full balance. I was so angry about the Ulta card that I closed my Victoria Secret ...Show More
KH
Kathy H.
Feb 16, 2022
May or may not recommend
Mistakenly paid minimum payment instead of balance. This left a $4.02 balance. Next statement I was billed $6.02 for previous balance and $2 fee. I paid this and asked my account to be closed. Just got another bill for $2 even though my card is closed and I paid the last balance in full. They state that since I did not have balance ...Show More
LP
Lisa P.
Jul 19, 2021
May or may not recommend
I was approved for a card with a 3600 limit. I received the card and activated. Two days later when I attempted to use it, it didn’t work. They closed my account with no explanation at all. This was a hard inquiry on my credit and the fact they closed the account also affected my credit. Stay far away!
U
Anonymous
Mar 12, 2021
May or may not recommend
Be very carefully if you open a Ultamate Rewards Credit Card.
They will send you a bill home with the due date, "forgetting" to specify next to it, that you have to pay by 6:00 pm, otherwise they will charge you a late fee up to $40.
I payed by the due date after 6:00 pm, and they charged me $31, although the day was not over. I called a representative and ...Show More
DB
Debbie B.
Dec 19, 2020
May or may not recommend
They play games to cheat you out of points that you earned. I am exhausted from chasing them down.
MT
Monica T.
Sep 25, 2020
May or may not recommend
I was approved for Ulta Ultamate MC at Ulta store. 3,500 credit limit. Incised to spent 500 dollars out side of Ulta for rewards. I applied for a Sams c.c. a few months later. Credit limit of 500 dollars. Comenity closed my account even though I had charged appx 1000 dollars on Comenity c.c. super high interest rate. I paid the c.c. off in full. I do believe they ...Show More
SY
Susan Y.
Sep 11, 2020
May or may not recommend
This has been a horrible experience. I tried paying online and they ran the payment twice, causing me to be overdrawn at my bank which was a nightmare. They finally reversed it 2 weeks later but charged me $30 to correct their mistake. So I figured to avoid that again, I would pay by paper check. They said it took 2 WEEKS to reach them, so they could charge me ...Show More
JT
Jill T.
Apr 28, 2020
May or may not recommend
Horrible experience dealing with customer service. Dishonest and money hungry. I do not recommend this credit card.
CJ
Cherie J.
Feb 10, 2020
May or may not recommend
its A bait and switch - you think your singing up for a rewards card. Then they got your credit and you get a MasterCard. Names are very deceiving. Not playing nice. Run away from Ulta!
KS
Kristine S.
Feb 1, 2020
May or may not recommend
I was told I qualified for a card to get 20% off my $100 purchase. After doing all the steps at the register I was then denied. I have a 740 credit score. THEN I received a Ulta credit card in the mail after denial at register. THEN because I didnt activate it I have a statement on my credit report "closed by credit grantor". ...Show More
U
Anonymous
Dec 11, 2019
May or may not recommend
I was on autopay and they need it to be authorized every month so my payment did not go through. They fee for everything. They don't want to work with you on paying what you owe they fee you to speak with someone to pay. They kept charging and charging more and more every month since the "autopay" wasn't being pulled until I owed a lot of money they closed ...Show More
Lisa F.
Dec 5, 2019
May or may not recommend
Awful card! Awful customer service! All around AWFUL!! Trust me. Too much to explain via text. Don’t do it! Save yourself.
Showing 20 of 22 reviews
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