Ultamate Rewards MasterCard

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.

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  • 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
  • Signup Bonus 500 Welcome Bonus Points for spending $500 outside of Ulta Beauty in the first 90 days
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 27.24% *Variable
  • Cash Advance APR 27.24% *Variable
  • Penalty APR See Terms
  • Late Fee Up to $37.00
  • Returned Payment Fee Up to $37.00

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 20% Off Your First Purchase

    Get a 20% off coupon for your first purchase at Ulta Beauty. Must be opted into Ulta Beauty emails to receive it.

  • Birthday Gift

    Members receive a coupon during their birthday month, which can be redeemed at an Ulta Beauty store for a gift.

  • Member-Exclusive Offers

    Receive up to $75 in exclusive offers each year.

  • Member-Exclusive Magazines

    Receive up to 15 exclusive Ulta magazines each year.

  • Platinum Status

    Spend $450 in one year to earn Platinum Status, which includes a 25% point bonus, no point expiration, and other benefits.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 8 reviews
by Missy
GREAT rewards system!

This is BY FAR my favorite store card! They rewards are amazing!!! WAY better than Sephora! And they run deals all the time on certain things, 2x points, 5x points, even 10x points, it's easy to rack up point fast!! The more you save up points, the more they are worth! If you get up to 2000 (sounds like a lot, but with bonus points it's way easier than you think!) you can redeem it for $125 off! No exclusions!!! Hands down, best reward system ever! Plus you get coupons and other great offers! Yes, the APR is high, but if you pay it off in full every month, it's not an issue. All the bad reviews on here are a shame...if people wouldn't wait until literally the last minute to pay a bill, they wouldn't have a problem. Cards charging you for paying just one day past the due date is pretty standard...nothing new ladies. It's not a scam...

by Patricia Skinner
ultamate credit card

Very Very unhappy with Ulta credit card policy. I'm a senior citizen who gets paid the 3rd week of the month and made a payment on line one day after the due date and was charged $30.00. What a scam!!!! I will not shop at Ulta again and will cut up my charge card. You don't even get a 1 star rating. And with the latest news about Ulta putting returned products back on the shelf is another reason not to shop at Ulta. I even spoke to one of your supervisors and she couldn't help me. Poor service. Unethical business practices. I'm sorry that I didn't read these reviews before signing up for the card. I agree with everyone.....DON'T GET IT! I had to check 1 star because I couldn't submit this but Ulta gets "0"

by Vanesa Limberatos
Misleading Customer Service

Misleading Customer Service in resolving issue. Verbal solution yet not followed through on their part once you follow up. Do not use this card.. Written communication is rotary and redundant.

by Tia
Card Declined

I never even had a chance to use this card, it declines where ever I tried to use it. I spoked to a customer service about it and they told me my account was on hold until a specific date. But even way after that specific date passed I am still unable to use card. I am canceling this card, it is not like I really needed itto begin with.

by Naima

If I could give it 0 stars I would. Did not specify clearly enough that the payment time was until 8pm. I called and explained over the phone that I got home late that day and the customer service representative told me that I had a late fee waiver and that next month I would NOT have to worry about the law fee at all. I check my account and the late fee is STILL there so I call again and they tell me that it’s only a $15 waiver (I was told the entire late fee would be covered). So I have one and half late fees to pay. Im shutting down this card. I’ve paid more late fees on this damn card as opposed to actually using it.

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