Ultamate Rewards Credit Card


For People with
Fair Credit

REVIEWS

Reviews

The Ultamate Rewards Credit Card provides a number of 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.

Where can I use my Ultamate Rewards Credit Card?

This card can only be used at Ulta Beauty stores and at ulta.com, unlike the Ultamate Rewards MasterCard, which can be used anywhere MasterCard is accepted.

Check out how these two cards compare in our Review of the Ultamate Rewards Credit Card and Ultamate Rewards MasterCard.

Card Quick Facts

Card Quick Facts

  • 1 extra point per $1 spent at Ulta
  • 20% off your first purchase at Ulta
  • Member-only benefits and discounts at Ulta
  • No annual fee
  • 26.24% Purchase APR *Variable

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

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

Card Stats

Annual Fee None
Additional Cards Annual Fee -
Regular Purchase APR 26.24% *Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR N/A
Cash Advance Fee N/A

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 24 reviews
by Susan
Ulta credit card is a rip-off.

This is by far the worst store credit card I have ever had. They charged me a late fee several months ago when I had paid the bill the day before it was due. It took almost an hour to have someone tell me there must have been a glitch in the system. They were incredibly inept. Today I paid my card 20 minutes past the cutoff and was told I would be charged a late fee. The APR is outrageous and they penalize you for the most minor of things. This credit card is not worth the hassle. My experience with the Ulta credit card and their customer service has been by far the worst ever. I closed my account and will never give Ulta my business again. Sephora has comparable prices and a much larger selection. I urge you not to bother with this credit card. It isn’t worth your time and it’s definitely not worth your money.

by Mari
Don't waste your time

Zero. That's the review I give this card. I recommend you pay whatever you owe them and close your account quickly. Customer service sucks and they penalize you for the stupidest reasons. It's just not worth all the hassle you will get with this card.

by Stephanie
Worst card ever!

They keep lowering my credit line for no reason. I asked for a credit card increase and Instead of giving me an increase (after I have never been a day late for a year) they took more away! Not at all happy.

by cat
probably the worst store card to have

Probably the worst store card to get...The bank they use is a joke, takes 3 days to process a bill payment. I also paid my bill on time and then was charged for a late fee multiple times. They don't communicate with you. Hard to reach someone. Was never informed about it and had to pay, but I finally closed it. it was a nightmare, I have had store cards with no problems. for sure the worst store card to have. didn't see any benefits. Sketchy bank also.

by Jamie
Late fees

If you dont pay by 7pm central you can't go in the store to pay . I have cards from other store if you miss the dateline time over the phone you always go in the store to pay on time

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