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Ultamate Rewards Mastercard

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The Ultamate Rewards Mastercard is an easy way to earn points and get rewarded for shopping at Ulta, but look into general-use reward cards as well. This card can be used anywhere Mastercard is accepted.

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99%, 22.99%, or 16.99% Variable

Ultamate Rewards Mastercard

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Rewards

Spending Rewards
  • 2X points per dollar spent at Ulta Beauty and ulta.com
  • 1X point per 3 dollars spent on all other purchases
Introductory Bonus
  • 500 Welcome Bonus Points for spending $500 outside of Ulta Beauty in the first 90 days; 20% off your first purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
Ultamate Rewards Mastercard

Highlights

  • 2X points per dollar spent at Ulta Beauty and ulta.com
  • 1X point per 3 dollars spent on all other purchases
  • 500 Welcome Bonus Points for spending $500 outside of Ulta Beauty in the first 90 days; 20% off your first purchase
  • Points expire 1 year after they are earned
  • Member-only benefits and discounts at Ulta
  • No annual fee
ABOUT THE ISSUER

Comenity Capital Bank

Comenity Capital Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-983-8582

See all Issuer Cards

The Ultamate Rewards Mastercard offers several exclusive benefits at Ulta Beauty.

When you sign up for this card you’ll become an Ultamate Rewards member, which includes 1 point per dollar at Ulta. You’ll also get all the benefits that come with this card, including an extra point per dollar, meaning you’ll get a total of 2X points per dollar at Ulta Beauty.

There’s no annual fee, and you’ll also get: 500 Welcome Bonus Points for spending $500 outside of Ulta Beauty in the first 90 days; 20% off your first purchase.

You can also use this card outside of Ulta to get 1X point per dollar spent on all purchases.

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