Ultamate Rewards MasterCard

For People with
Fair Credit



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



Manage My Card

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Card Details



  • 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:  
 18 reviews
by Annamarie Briggs
Not great

I used the card a few times within a few days time span and then it started to get declined. I didn’t even have a payment due yet. It was super embarrassing.I called and was told that all my purchases were held as possible fraud. There were three of them and two had been in person. It was such a hassle to get them approved that I eventually hung up after telling them that I’d just use a more reliable and less embarassing card for my future purchases. I had asked them why I didn’t get an alert instead of the dreaded “decline” at the check out. They said if it happens outside their hours, they just put a lock on the card and don’t notify you - they expect you to call. I told them in this amazing time of technology that it’s shocking they don’t email or text. Due to the large number of spam calls, I don’t answer known calls even if they had tried to call me. Most legitimate places do not call, but will alert you to contact them.I have excellent credit and a large limit - it was truly a ridiculous situation. The purchases ranged from $14 to $247. I’m disgusted by this antiquated approach to verify your identity and purchases and certainly don’t want to have to go through that every time I use the card.

by Shereen
ULTA Credit Card is Terrible

This card is NOT worth any of it's benefits. I have had terrible experiences using this credit card. You cannot make your payments in person at the stores, their mobile app doesn't work half of the time to pay your bill on, and their store associates are not knowledgeable about the app. On top of that, I made on of my payments on my due date over the phone and they stated that my payment was late, since it was processed at night. I was under the impression that my account had been paid in full and then was traveling for over a month. I was then assessed a late fee (that I did not know about) along with interest. Since I was out of town and under the impression that my account was current, I did not pay the late fee balance and I was assessed an additional late fee. When I returned and opened my mail, my account balance was almost $70 just from the 2 late fees and interest on them. I called and explained the situation and was told there was nothing that they could do and that their system would not allow to take off a late fee, but they may be able to take off a $15 of one of them. When I asked to then speak to a supervisor the lady said she would try and take off a whole late fee and then she told me she was able to do just that and she removed one of the late fees so that I did not speak to a supervisor. I then stated that I was really unhappy with the entire experience and that this credit card makes it extremely difficult to make your payments and that I felt it was really unfair that I was assessed those fees and interest and she said that is all that she could do. When I asked if I could change my due date to the end of the month for future bills she stated her system would not allow her to do that since my account was past due. Terrible. No other credit card company that I have EVER used is like that.

by cat stew
irritating, not worth it

Payments take too long to process and clear (about two days). I was late with one payment and credit limit was cut in half. They use some weird cheap o bank. Just not worth it, very inconvenient

by Chenoa B
Not a good experience

I opened the account back in June 2018 and made a small purchase. When I made a payment I accidentally entered my bank account incorrectly ( off by 1 digit ) so they put my account on 90 day suspension due to the returned payment. I updated my bank info, paid off the total balance and closed the account in mid July. It's not August an I'm told I have a late payment on my account from June 2018- from the returned payment. Turns out returned payments are supposed to post on the day that the payment is made, and unsuccessful, but mine did not. And my account wasn't updated before I "closed" my account so I am forced to pay the late fee. Do not get this card.

by Amanda D.
Used once and the account was closed with no warning.

I got to use this card once, promptly made a payment, and it was closed a week later without notice. Suppossedly I'm to receive a letter explaining as to why. I have great credit and only a few other accounts, including Chase and Amex. This is absolutely infuriating and I'm scared as to what this terriblr, bottom-of-the-barrel bank is going to do to my credit scores. I should have listened to the reviews.

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