Ultamate Rewards MasterCard


For People with
Fair Credit

REVIEWS

Reviews

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.

Where can I use my Ultamate Rewards MasterCard?

This card can be used anywhere MasterCard is accepted, unlike the Ultamate Rewards Credit Card which can only be used at Ulta Beauty.

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
  • 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

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)
  • 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
How to Redeem

Introductory Bonus

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

Card Stats

Annual Fee None
Additional Cards Annual Fee -
Regular Purchase APR 17.24%, 23.24%, or 26.24% *Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $37.00
Returned Payment Fee Up to $37.00
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 27.24% *Variable
Balance Transfer Fee 3% ($10 min)
Cash Advances

Cash Advances

Cash Advance APR 27.24% *Variable
Cash Advance Fee 3% ($10 min)

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 Shayla
Worst credit card ever!

I opened an account last month at the store because I thought it’s gonna be great as I shop at ulta almost every week being a mua . First , I never got my card on the mail . Second my payment that I did through their automatic service got declined I don’t know how but they never even called and informed about it . Instead they added their $27 fee to the account . I just went to store and bought some more stuff without knowing my card got cancelled. So I called them they said my card was canceled because of the declined bank account number . In fact nothing was wrong with my bank account number . So asked them to least wave that 27$ fee as I wasn’t aware of it . The lady on the phone said they can’t do it with an attitude . I said well then let’s pay it off right now and close the account . She simply said ok whenever u are ready with your card and u are gonna get charged extra $9 for phone payment . So I paid extra $34 instead of earning some pints unfortunately. So no more ulta for me thank u !

by Darian Ballesteros
Disappointing

I go to Ulta very often so applying for the credit card seemed like a fantastic Idea. They first shipped the card to the wrong address, then when I finally received it, It was extremely hard to register online kept telling me my account did not match any of their records therefore I had to call in which took about 40 minutes for them to figure out why my account would not appear. We finally are able to get it register I got to use it at Ulta and it gets declined granted my credit is 1,000 and i am using it for the first time it should not be declined. A week later I got back and it's declined again the cashier tells me the card is expired with an expiration of 11/22, I go in again a few days later try to use it again and once again its declined. I try to go online and its once again saying my account does not exist and apprenayly this is a very common issue judging by the other reviews and how on their site they have a link that states "why does my username and password not work" STAY AWAY!

by Teresa
Card service

Never received card in mail after applying at ultra store. Representatives at customer service are not helpful and all that I spoke with had smart attitude and as soon as I get this card paid off it going to the shredder.

by peggy
DON'T GET THIS CARD

WORST CREDIT CARD EVER! I DIDN'T RECEIVE MY FIRST BILL SO AFTER 10 DAYS FROM THE PAYMENT DUE DATE THEY SENT MY ACCOUNT TO "COLLECTIONS" AND MADE ME PANIC. THEY SAID THEY WOULD DO ME A "COURTESY" BY WAIVING A $27 LATE FEE BUT THEY FAILED TO MENTION A HIDDEN FINANCE CHARGE THAT LATER SHOWED UP WHEN THEY DEBITED MY BANK ACCOUNT. I CALLED TODAY TO FINALLY CLOSE MY ACCOUNT. NOT WORTH THE SUPPOSED ULTA POINTS BECAUSE THOSE DOUBLE BOUS POINTS NEVER GOT POSTED TO MY ULTA REWARDS ACCOUNT THAT I'M AWARE OF.

by Kaylyn hatfield
S.o.l. If something goes wrong and you try to contact them

Just this past month alone has been awful with this card. I applied for a credit increase WEEKS ago so I could have more for Christmas. They said I would get a notice for it within 7 days in the mail. Nope never happened. Instead my available credit dropped to $0 even though I actually have $700 of $1000 available. Been like this for a couple weeks. Tried to contact them and they responded with a “hold on we have to look into this” and no follow up going on for another week. Then tried using my ulta account (seperate from the card. Using the card gets your account point tho). Was getting some stuff on sale for Xmas. Went through checkout, used all of my acquired points and a gift card to get said Xmas gift. Then suddenly all my points were gone but no evidence of a transaction? I called them and they said I just need to wait because sometimes they’ll put your points on hold to check that everything is in stock? Ok sure so I waited. Funny thing is it’s been several days and Christmas is in a couple days but no proof of a transaction. Just missing points.Tried to message them (probly going to attempt calling after this, it’s just incredibly hard to get to a human) about all these issues. Absolutely no messages can be sent to them at this time? I don’t know if the system is down is just says “sorry, try using the secure message center if you can’t send messages” FROM THE SECURE MESSAGING SCREEN.Funny how when they mess up it’s impossible to get answers from them. But god forbid you’re a day late to pay they’ll call you all day to get payment. Literally I’m a day late from my payment due date and they’re calling me. Ironic. Maybe this is just the December from hell to use ulta. Got this card for regular purchases so I could build points but damn I wish I went for a more reliable credit company than comenitySide note approval is easy I had a score of upper 600’s and was approved for $1000 instantly. For anyone wondering

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