Skip to content

Ultamate Rewards Mastercard

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Apply Now Read our Review
Our rating
Min. credit level: Fair
Annual Fee: None
Regular APR: 17.24%, 23.24%, or 26.24% *Variable
Intro Purchase APR: N/A

Ultamate Rewards Mastercard

Our rating
Fair Min. credit level
None Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 1 extra point for every $1 spent at Ulta Beauty and ulta.com (for a total of 2 points per $1)
  • 1 point for every $3 spent outside of Ulta Beauty
  • Up to 5X point offers for signing up for email updates
  • Points expire 1 year after they are earned

INTRODUCTORY BONUS

500 Welcome Bonus Points for spending $500 outside of Ulta Beauty in the first 90 days

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 27.24% *Variable
Balance Transfer Fee 3% ($10 min)
How to Transfer a Balance on a Credit Card

Fees

Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit 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 27.24% *Variable
Cash Advance Fee 3% ($10 min)
How to Get a Cash Advance with a Credit Card
Ultamate Rewards Mastercard

Highlights

  • 1 extra point per $1 spent at Ulta
  • 1 point per $3 spent outside Ulta
  • 500 bonus points for spending $500 outside Ulta in the first 90 days
  • 20% off your first purchase at Ulta
  • Member-only benefits and discounts at Ulta
  • No annual fee
  • 17.24%, 23.24%, or 26.24% Purchase APR *Variable
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

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 2 points per $1 at Ulta Beauty.

There’s no annual fee, and you’ll get a 20% discount on your first purchase with the card. You can also use this card outside of Ulta to get 1 point per $1 spent.