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

Want to pay a bill or check your balance?

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
Returned Payment Fee Up to $37
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.

Submit your review

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Average rating:  
 29 reviews
by Tracey
Ulta Credit Card

My daughter and I went makeup shopping. I went to pay and my card was declined. I tried several times and it did not work. I checked my account on the phone and I didn't owe anything. The cashier called customer service and she gave the phone to me. The guy said my account was closed. I asked why and he said it is due to inactivity. My bill was paid off and my penalty is a closed account. I asked how often do a purchase be made and he really did not know. Worse company and they lost my business.

by Emily
Ulta Mastercard - I like it, good customer service so far

I'm sorry to see so many people that are having a hard time/experience with the ulta credit cards and Comenity Bank; just so there's another opinion at least, I'd like to say that so far I'm very pleased with my Ulta Mastercard. I make my payments on time, and in return, they increased my limit to 1500. The reward points are very nice incentive to me to use the card, and I find that it has greatly helped me reach the 2000 points much faster.I recently had to call customer service, the number (1-888-282-5157) to inquire about a bunch of unauthorized Itunes charges on my account, and the lady who took my call was very nice and pleasant. She put me in for a new card number and said she was going to watch my old card for any more fraud, and explained what do to if the charges aren't refunded by Comenity Bank, so shoutout to that wonderful representative, she made feel a lot better about the whole situation. Thank you for the great customer service!

by Leah

I have several retail credit cards all managed through Commenity but the Ulta card is by far the worst. My username and password are saved in my phone and whenever I try to login it says the username and password don't exist. After resetting them successfully, the site still gave the same error message and locked me out. I am paying my balance off today and never using the card again. They shouldn't have a credit card if they don't know how to manage the service.

by Mary
They are just not professional

This company just does not have their stuff together. I made my account, saved my information to the computer AND wrote it down, and then it would not let me log into my account a couple days later. It locked me out from "failed attempts." I then tried to change my password, and it said my information did not match any account in their file. A couple days later, my same username and password magically logged in. Keep in mind that I'm using Google's autofill, so it can not really be a typo on my end. Later, I used the same autofill to try to log in on my phone, and it did not work! I immediately went to my computer and was able to log in, but I have never been able to log in on my phone for some reason. Now I'm trying to add this account to my Mint, and it is saying I am using the wrong credentials. This is the worst company to deal with and I would not have gotten this card if I had known they would be this bad.I got this card because it was easy to get and I wanted to boost my credit score for a different, much better card. I'm cancelling this card as soon as I get my score where I want it.

by Kat

This is truly the worst credit card you can get. I literally applied st the register and used it for 1 purchase that day. I paid the total amount off but it took them 10 days to process. I called them and said- my bank sent it to you on the 8th but you didn’t process until the 18th! Now I have a late fee because you didn’t process it in a timely manner. Lawan the agent responds that it can 2 weeks so kick rocks. I said no-this is not a paper check- it was sent directly to you but you didn’t take action. Lawan still didn’t care. So I closed my account and will never give money to ULTA ever again.

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