Ulta Beauty Credit Card- Things You Must Know


You have already heard it I guess that Ulta has launched its Ulta beauty credit card. So here in this article, we will tell you all the important information related to this Ulta beauty credit card.

So, Ulta has teamed up with Comenity Bank to launch two new credit cards: the Ultamate Rewards Credit Card and the Ultamate Rewards Mastercard. The credit card (which should properly be referred to as a store card) can only be used at Ulta in-store.

I’m not a big fan of cosmetics. As a result, everything I’ve said about the Ulta Ultamate Rewards Mastercard could be wrong. Nonetheless, after reviewing the Ulta Mastercard’s features, I’d say it’s a card that’s basically useless unless you buy cosmetics and other beauty-related items exclusively from Ulta.

So, basically in Ulta beauty credit card, we have two types of cards so further we discuss these cards individually and then compare both of them.


Ultamate Rewards Mastercard

Customers who use their Ultamate Rewards® Mastercard® to shop at Ulta Beauty earn points that can be redeemed for discounts on future purchases. New Ulta cardholders will receive 20% off their first purchase (including salon services), 2X points for every dollar spent in-store and online, and a one-time bonus of 500 points (worth $17.50) for spending $500 outside of Ulta.

Because it is mainly reliant on the Ulta rewards program, the card offers few benefits on its own and is ideal for expediting the accrual of points for Ulta coupons. Rather than the credit card, Ultamate Rewards offers the most tangible benefits, including free delivery, $10 birthday coupons, and never-expiring rewards points.

Unfortunately, being a cardholder does not automatically qualify you for a membership upgrade, so you’ll have to work for the top-tier advantages. Ulta membership ranks do not affect whether or not you receive a card, so this card is best suited to those who are already at the top of the program.

Benefits Of Using This Ulta Beauty Mastercard

This is the perfect time to sign up for the Ulta card if you plan to buy a lot of beauty products, have a big shopping cart, or are an Ultamate Rewards basic member looking to move up to a higher membership level.

After being accepted, new cardholders will be able to use their card immediately, even if they do not have it physically on hand. You’ll also receive a 20% coupon through email, as well as the ability to earn 2X points for every $1 spent right away (one extra point over and beyond the standard member earning rate) (which can be used for your first purchase or at a later date).

The Ulta credit card earns points on non-Ulta purchases, but it’s not a good idea to use it.

When it comes to earning Ulta coupons through everyday purchases like gas, groceries, or dining, this card falls short. When using your Ulta Mastercard outside of Ulta stores, you must spend $3 to receive a single point, which discourages you from using the card elsewhere (after earning the signup bonus of course). After you’ve spent $500, the Ulta credit card should only be used to pay for Ulta Beauty products.

Ultamate Reward Credit Card

Ulta Beauty’s Ultamate Rewards credit card requires a reasonable credit score of 600 to 640. Credit scores of 670 or higher are required for Ultamate Rewards Mastercard. When you apply, your overall credit history and income are considered in addition to your credit score. Find out more about your Ulta credit card approval chances on the site.

The Ultamate Rewards credit card provides a credit limit of $250 to $1,000 or more at the time of application. Normally, the Ultamate Rewards Mastercard has a credit limit of $1,000. Your salary and credit history will decide your beginning credit limit for both cards.

Comenity Bank may automatically increase your credit limit based on your payment history and specific credit variables (usually about six months after you open your account). If you don’t get a credit line increase, go to Comenity’s website and submit a credit line request. This card is the best choice for Ulta Birthday Gift deals.

Benefits Of Using Ulta Beauty Credit Card

Using a credit card that reimburses you for roughly half of your expenditures is the best way to spend. As a result, the Ultamate Rewards Credit Card is the best credit card for all Ulta Beauty customers in the US, both online and in-store. There are many card perks, features, rates, and fees to help you decide whether or not to join.

Cardholders receive a 20% discount on their first Ulta Beauty purchase, whether in-store or online. There is no yearly charge. Cardholders gain two points for every $1 spent at Ulta Beauty.

In the first 90 days, cardholders who spend $500 outside of Ulta Beauty will receive 500 bonus points.

Ulta Beauty Credit Card- Which One Is Good For Me?

It all depends on your spending habits when it comes to cosmetics. If Ulta is your go-to cosmetics and beauty store, Ultamate Rewards Mastercard is a great option. The Ultamate Rewards Mastercard is far superior to the airline Ultamate Rewards credit card. If you are a frequent Ulta shopper, as the Mastercards give you three points for every dollar spent. But the Ultamate Rewards card only provides you two points.

You can also earn points on all of your other daily transactions with it. As a result, by using the Mastercard, you will be able to earn points considerably faster. As a result, I feel that Ulta shoppers should avoid the Ultamate Rewards credit card.

However, you can only use the Ultamate Rewards Mastercard at Ulta. It’s not a card to use for ordinary purchases that aren’t related to beauty. Other credit cards, such as the Citi® Double Cash Card – 18-month BT offer or the Capital One Savor, provide far more cashback options than one point per $3 spent.


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