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.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 13 reviews
by Tracy
Late fee policy..

I am terribly disappointed with Comenitys Ulta credit card late fee. Policy..I have had this card for 2 years now, never had issues, last year i had one late payment due to being in the hospital (customer service didnt care)..fast forward 13 months later, i paid my bill 7 minutes after the required phone time, bam there is a late fee...called to see about getting it reversed, was told they only do that once every 18 months.Well thank God for a Jcpenney card, cuz Sephora here I come!!!

by C
WORST CARD EVER DO NOT WASTE YOUR TIME

I am currently abroad in a foreign country. A week prior to me leaving I informed them I would be traveling to and when, but apparently they didn’t listen because now I am stranded with no source of money because the closed my account without even notifying me. I have yet to have a late payment, autopay is in place, and have not once come even close to my limit. Do yourself a favor and avoid the headache and issues this company and card will cause you in the future.

by Amanda
Worst Service Ever

Have had my card for about a year started with a low limit of $150 got it to try and build my credit made on time payments went up to $250 made on time payment last month and go to pay it this month and states I have a $200 credit limit. No notice and when I called they told me I should receive a letter and it’s due to a change on my credit report it yet they can drop my limit and make my ration go up to make my credit worse off. Complete waste of time.

by Jo Ann
Dont even bother

I had this card for 2 years started with 300.00 made way up 750.00 . Had 100 % on my history had my card at just over 1/2 of limit.And out of nowhere, they reduce my limit by 240.00 dollars. When i called they supposedly mailed a letter me explaining why a week agter they had done it. I can only assume at the moment it has to do with other cards that have i have high limits on. But .. i have 100 % payment history. Never late never missed on any of my credit. And for them to do such a thing with out any slips.. canceled the card and will not shop ar Ulta again. I only went there because of my card. Cause lets face it most places are less expensive than ulta anyway. Their card was the biggest perk.

by Madysen
Never got it.

I applied for the rewards card (I wasn’t thinking at all honestly) not knowing it was an actually Credit Card. The girl at Ulta never made that clear until I went to pay for my transaction and she says “oh it’s already paid with your credit card you were just approved for” and I was like... hmm... oh shoot... okay.Well two months went by and then three months went by and I never got it in the mail. Starting to panic because I still needed to pay for it but didn’t have a card number to pay off, I called customer service paid for it over the phone and was reassured that they would resend me the card... I was not happy that it had come to this and wanted to cancel the card all together but agreed to give it another shot by letting them send a new one. Well, over a month has gone by and still no card in the mail. I’m afraid now that if I cancel it it will just harm my new(ish) credit score. So I’m hoping that I may actually get my freaking card in the mail. Not using a credit card is bad for your credit score so I am NOT happy at all. To say the least....

Page 1 of 3:
«
 
 
1
2
3
 
»
 

The Insider

Susan Shain
Chase Sapphire Reserve vs. Preferred: 7 Reasons Why the Reserve Is King
Susan Shain | Jan 22, 2019

Choosing between the Chase Sapphire Reserve vs. Preferred? Here are seven reasons why the Reserve is the better card for frequent travelers.

Read More
Michelle Black
Credit Locks vs. Credit Freezes — What’s the Difference?
Michelle Black | Jan 21, 2019

What's the best way to protect your credit reports from identity thieves? Is a credit freeze or a credit lock the way to go?

Read More
Susan Shain
Here’s the Best Credit Card for Groceries, Plus 6 Runners-Up
Susan Shain | Jan 14, 2019

We combed the fine print to crown the best grocery credit card in all the land. We name six runners-up for different types of grocery shoppers, too.

Read More