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 $37.00
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.

Submit your review

Create your own review

Average rating:  
 16 reviews
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.

by Shuva biswas
Not a happy consumer

Very confusing credit card to use..the point system is complicated..

by Teresa

I am being penalized for making a payment! My card was declined and reason given is that i made a payment. My card is unusable till payment clears bank which will take 10 days from now! I'm in good standing. Having made multiple payments plus monthly payments. Now out of the blue, I'm being embarrassed at a store because i am paying back ulta/commenity. And I'm supposed to say thank you for this in your attempt to catch fraud? This corporation is a con, very unprofessional, and downright unethical. I have been a loyal customer with a good record of using their card and paying back what is owed on time. Every payment has cleared my bank. I closed out my account and cut the damn card up. If I'm going to be embarrassed in front of friends, family, coworkers in a store full of people, it will be because I am responsible for being declined. There is a good reason why this company rates so low on multiple sites!

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