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.

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Average rating:  
 34 reviews
by Katie
Thanks, but no thanks.

As with others, I only give a rating of one star because it won’t allow 0 stars! I used the Ultimate card only 3 times; the first two times I paid in full when statement was received, as I do with all my bills. I didn't receive a statement the third time, but by the time I realized this, they already charged me a $27 late fee AND $2 interest. On a $41 purchase! I thought it would be a simple thing to call and explain I had not received the statement, but that I’d pay it immediately, could they refund the fee, which was over half what I’d purchased! Now, I’m plenty old enough that I’ve had many cc’s in my time and I have an excellent credit rating. Not because i’m perfect, but because the cc companies I’ve dealt with before were reasonable and cared about their customers. But not this company; they don’t care. Not about me and not about you. Their representatives have been given their script and their $15 credit or refund or.....what the heck is that anyway?....that they can offer to appease you. I guess that other $12 is important enough to lose clients over. I’ve earned that excellent credit rating and they’re going to mar it over one mistake. And for what? $12? And BTW, those commenters who think that their “good” reviews need to trash everyone posting a bad review, by saying they’re all delinquent payers and not being adults, shame on YOU. How nice to live in your perfect world, where you never make a mistake and everyone’s treated wonderfully fair. Just because it hasn’t happened to you doesn’t mean someone brought it on themselves. And they have EVERY RIGHT to post it. I read those other reviews also and MANY, MANY of them are not about late payments or billing at all. Seems that this company has a lot of bad stuff going on, with computer glitches causing zero credit, rude customer service and, this is the good one, customers being punished for paying their bill, by having their credit frozen. Makes my late charge pale in comparison, but once a company no longer cares about it’s customers, it’s time to get away from them. Ultimate is a mess and I’m saying goodbye.

by Gina Mucherino

Honest to god, I'm only giving this credit card along with it's customer service one star because it wont post unless I give it at least one. I set up this account in the store after making a large purchase, and then set-up an online account for it to automatically be withdrawn with monthly statements. My first payment was due to come out, and I realized a few days after that it was not withdrawn from my account. I quickly called the company to see what was going on. The customer service representative told me that the bank account was off by one number, so the payment was nit processed. She then assured me that because I was still within my time frame for making this payment, that I would not be having any type of penalty/fee. I paid my entire statement in full that day. A week later, I was in the store attempting to make a purchase, in which I was apparently not allowed because I had a "return payment" on my account. I explained that I had paid off my account in full. The woman on the phone told me even though I paid it off within the time frame, that I couldn't use my card for 90 days. I had her transfer me to a different department, and I completely closed this credit card. I had a $0 balance. Fast forward to today. I wake up to an e-mail that I have a $58 balance. I'm so confused. I paid this off in full.. I closed this account? I call the company. The woman tells me, my return payment fee from the original payment that I paid off, posted a week later. And now on top of that, I'm being charged with a late fee. She refused to wave either of those fees because my account is closed. However, they had no problem whacking me with two fees when the payment was closed? Stay away from this company. I pay my bills every month, in full. I take my credit very seriously. This company wants your money, they do not care about anything else!!!!!

by Michelle
Horrible card!!!

I have had this card for over one year now. I use it all the time. I just paid it all off in one lump sum like always, on time. Went to use it and it won’t work!!!! So I called customer service and was on hold for over 20 mins. Checked online, it says limit is $10,000.00, balance is $0.00 and available balance is $0.00!!!! So I call again, wait a half hour, no one answers. I call again, still nothing. I try 3 different numbers and can’t get past the hold! Forget Ulta!

by Morgan Bostwick
Worst customer service!

Applied for the card in May and used it at the end of the month, so I wanted to check when my bill was due. I logged into my account through the Ulta portal, which I was told was my first problem because its not the same as the banks portal, but it's where I applied so not sure how they'redifferent, but ok. Anyways, it said no balance was due at that time, so I signed up for a paper statement to avoid any delay in getting my bill paid. I received my statement 2 days ago, and there was both a late fee and a finance charge applied so I called customer service. The gentleman that I spoke with argued with me about getting the fees waived because he said there's no way the bill was mailed on 7/6 and that I was looking at the wrong info and he would have proof sent to me. I said it was their phone system that told me the bill was mailed just before I connected with him. Continued to argue with me and talk over me so I asked to be transferred to a supervisor. He still talked over me about how I was wrong and wasting my time because they would do the same thing as he would do before "cold transferring" (essentially he should have spoken to the person I was transferred to first and given my account info, etc.) my call to the Commenity service line. Of course when I got to the next representative, their system was down so she couldn't help me or make note of the jerk I spoke to before her. I shop at Ulta all the time, and the points with this card are attractive but their processes are very messy and their customer service team is subpar at best.

by Candi
Good Card

I am not sure why there are so many bad reviews. Pay my card any time even after 5pm and it is immediately postedTaken from my account in no more than 2 days. Customer service is always helpful. I have 3 cards with Comenity. Now credit limit increases are not as easy w ulta but i use my cards make a payment every month. Had the card for 2 years use it so much that i went into the store one day and my purchase was free i had accumulated so many points Still a good card.

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