Ulta beauty has a loyalty program and two types of credit cards for its members. These cards come with similar rewards and membership benefits.
Here is our guide on Ulta Credit Card Login, Payment, Customer Service, Cancellation, and More.
What is Ulta Credit Card?
Ulta beauty inc. Or commonly known as Ulta salon is one of the largest beauty salon chains in the US. It offers a wide range of beauty and makeup products and a vast network of salon shops across the country.
It offers loyalty points to its valued customers. These reward points are issued through a membership card the Ultamate rewards credit card.
Ulta also offers a Rewards Mastercard credit card to its customers.
Both these types of credit cards are issued by Comenity bank. Customers can apply for these cards through Ulta salon shops or online.
Ulta offers a three-tiered membership program. The basic membership earns 1 point per dollar, platinum at 1.25, and diamond at 1.5 points per dollar spent.
How to Qualify for Ulta Credit Card?
There are two types of credit cards at Ulta beauty plus a loyalty card. The qualification criteria for all these cards are different.
The loyalty Ultamate rewards card does not require significant qualification points. Customers can apply for this card easily without the need for a credit check. This is the baseline membership offered to all loyal customers at Ulta beauty.
The Ulta Rewards Credit Card is a private-Labeled or “closed-loop” credit card. It means this card can only be used at ulta.com or Ulta beauty salons.
The Ulta Mastercard is the standard credit card that you can use anywhere like any other credit card.
Both these credit cards are issued through Comenity bank. The bank may pull a hard credit inquiry on your credit history. The exact credit score requirements are not listed on Ulta beauty’s official website.
We can expect customers with average credit scores can get the Ulta Rewards credit card and customers with a fair score of 720+ can get the Ulta Mastercard.
How to Apply for Ulta Credit Card?
There are two simple ways to apply for one of the credit cards offered by Ulta beauty salons.
The first option is to simply visit any Ulta beauty salon and ask for a credit card application. You can complete and submit the credit card application on spot.
The second option is to apply online at ulta.com. Both methods require similar steps and information.
- Register for a new user account at ulta.com and create your profile account.
- Provide your personal information like name, address, DOB, email, and other important information.
- Choose the type of credit card you want to apply for.
- Submit the application form by checking the terms and conditions box.
If your credit card application gets approved, you’ll receive the Ulta credit card within seven to ten days.
Once you create an online account, you can manage your Ulta credit card through this account easily. You can also apply for the Mastercard credit card if you previously hold the Ulta rewards credit card.
Ulta Credit Card – Key Features
Ulta beauty offers a choice between a rewards card and a credit card for its customers. However, the approval will depend on your creditworthiness as with any other credit card.
Here are a few key features of these cards.
Customers get a 20% welcome rewards bonus on their first purchase. This offer is for all Ulta new customers but qualified purchases only.
Mastercard customers get an additional 500 reward points on $500 spent within 90 days. This credit card offers 1 reward point on every three dollars spent outside Ulta beauty and 2 points per dollar on Ulta beauty purchases.
Ulta rewards card also offers 2 rewards points per dollar on every Ulta beauty purchase. This card cannot be used outside of Ulta so there are no rewards for outside spending.
Both types of credit cards offered by Ulta beauty are unsecured credit cards. It means customers do not need to deposit any security funds to obtain these cards.
Credit Card Versions and Limits
The loyalty card offered by Ulta beauty is only a membership card. It does not work like a debit or credit card.
The Ulta Rewards credit card is a closed-loop credit card that can only be used for purchases at ulta.com or in-store purchases.
The Ulta Mastercard is a standard credit card that can be used anywhere and it works like a standard credit card.
Credit Score Requirement
The exact credit score requirements for any of these credit cards are not disclosed by Ulta beauty officially. We can expect a credit score requirement of good to excellent in the range of 720+ for Mastercard credit card approval.
Annual Fees and Maintenance Charges
Both credit cards come with zero annual fees. However, when using Mastercard, you may incur late penalty charges or returned payment charges.
The late payment and returned payment charges can be up to $41. Also, standard foreign transaction charges and cash withdrawal charges would apply as per Comenity bank’s schedule of charges.
Interest Rates and Minimum Monthly Payments
The standard annual percentage rate (APR) for Mastercard users is currently 28.25% which is relatively higher as compared to other similar cards.
The minimum interest charges are $2.
How to Make a Payment for Ulta Credit Card?
You can pay for your Ulta Rewards or Mastercard credit cards using one of the three options available.
You’ll need to create an online account with Ulta beauty if you haven’t already used this option.
Then, log in with your username and password here. To make a payment, you’ll need the bank account and bank routing numbers to link your account.
You can also use a debit card directly here.
Follow the prompt steps to make a minimum monthly payment or full payment depending on your choice.
You can follow the same steps to make a payment through Ulta mobile app conveniently too.
Note: You can link your Mastercard directly to your Comenity bank account as well.
Pay by Phone
The second option is to contact the Comenity bank helpline at 866-257-9195 to pay your credit card bills.
Again, gather your credit card details and bank account or debit card details to make a payment by phone.
Pay by Mail
Paying through a paper check or payment order is another useful option. However, it is the slowest option and you may need to send in the check well before the due date to avoid late payment penalties.
You can send a paper check or payment order to Comenity bank at:
Comenity Capital Bank — Ultamate Rewards Mastercard or Ultamate Rewards Credit Card
PO Box: OH – 659820
San Antonio TX, 78265-9120
Does Ulta Credit Card Help You Build Credit?
Yes, the Ulta Mastercard credit card can help you build or repair your credit score. It works like any other credit card and Comenity bank will report your credit history to all major credit bureaus.
However, the Ulta loyalty and rewards cards cannot help you build credit.
How to Contact Ulta Customer Support?
You can contact Ulta customer support services as a guest or member through one of the four available options.
You can find instant chat support using its “Chat Now” feature in Ulta Customer Service Menu.
Call or Text Message
You can reach out to Ulta customer care services by calling 1-866-983-8582 or you can send a text message at 309-650-8582.
If you want a detailed response from Ulta customer care, you can send an email using the same page feature at Ulta Customer Service Menu.
How to Cancel Ulta Credit Card?
Ulta credit cards are issued by Comenity bank. You can cancel these credit cards by reaching out to Comenity bank customer support at any time.
You must clear all pending payments and charges before you can apply for the card cancelation.
You can cancel your Ulta membership directly with Ulta customer services though.