Ultamate Rewards Credit Card review

How to apply for the Ultamate Rewards Credit Card

1. Visit Ulta.com and find the Ultamate Rewards Credit Card at the bottom of the page.
2. Click the link and then click Apply now.
3. Fill out the application form.
4. Review the form and submit.

What credit score do I need?

Apply with a good to an excellent credit score of 670 or higher to increase the chances of approval for the Mastercard version. Otherwise, apply with a lower credit score for the store-branded card.

Ultamate Rewards Credit Card benefits

• Reward points. Earn 2x points at Ulta Beauty. If you get a Mastercard, you also earn 1 point for every $3 spent anywhere else.
• Welcome offer. Get 20% off your first purchase at Ulta Beauty. With the Mastercard version, you also get to earn a 500-point welcome bonus once you spend $500 in your first 90 days outside Ulta Beauty.
• High redemption value. Most credit cards value their points at one cent apiece. But with this card, the more points you have, the higher their value.
• No annual fee. You won’t pay an annual fee for the life of this card.

Ultamate Rewards Credit Card drawbacks

• Two credit cards. You don’t know which Ulta credit card you’ll get until you’re approved.
• Limited redemption options. You can only redeem Ultamate Rewards points for discounts at Ulta Beauty.
• No intro APR period. No matter which credit card version you get, you won’t get a 0% intro APR period on balance transfers or purchases.
• Foreign transaction fee. Purchases made abroad or online with foreign merchants will cost 3% of the amount.

You can only redeem your points in increments:

While you can earn 2x points on Ulta purchases, the value of your points depends on how many you have. Here is a breakdown of how much you can earn based on the number of points you have.

Compare store credit cards

If you don’t think this card is right for you, compare other store credit cards by looking at benefits such as rewards rates, purchase APRs and credit scores needed to qualify. By comparing your options, you can find the best fit for your wallet.

Sort by:

Name	Product	Annual fee	Purchase APR	Recommended minimum credit score
Costco Anywhere Visa® Card by Citi		$0	15.24% variable	740	An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.	Apply now View details	Compare	loading Fetching your data...
Sam's Club® Mastercard®		$0	14.9% to 22.9% variable	670	Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.	See offer View details	Compare	loading Fetching your data...
Principal Platinum Card		$177.24	N/A fixed	300	A store card with a $750 credit line for use at Horizon Outlet.	Apply now View details	Compare	loading Fetching your data...

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Bottom line

The Ultamate Rewards Credit Card’s strongest feature is the 2x points on Ulta Beauty purchases. This may not seem like much, but the more points you earn, the higher the redemption value. If you spend more than $400 at Ulta Beauty, you can get a value of more than 7% back.

But before you apply, compare other rewards credit cards to be aware of the options and make the best choice for you.

Frequently asked questions

• Which bank issues the Ultamate Rewards Credit Card?

  Comenity Capital Bank issues this card.

• Do reward points expire?

  Yes, your points expire one year after you earn them. But if you reach Platinum status, your points won’t expire as long as you’re a Platinum member.

• How do I reach the Platinum tier?

  Spend $500 in a calendar year. Platinum benefits include:

  • Points won’t expire as long as you’re a Platinum member
  • Free birthday gift

  • 2x points in your birthday month
  • $10 birthday coupon