Ulta Beauty Credit Card by Comenity Bank Review

Ulta recently partnered with Comenity Bank to introduce two new cards: Ultamate rewards credit card & Ultamate Rewards Mastercard. The credit card can only be used in store at Ulta (really should be called a store card) and the Mastercard can be used anywhere Mastercard is accepted. Both cards come with the following features:

  • 20% off your first purchase
  • No annual fee
  • 1x point for every $1 spent at Ulta beauty

The Mastercard also comes with 1x point for every $3 spent at outside Ulta beauty and a welcome bonus of 500 Welcome points when you spend $500 or more within the first 90 days outside of Ulta Beauty.

ulta credit card

How Much Are Points Worth?

That depends on how many points you have, here is the ‘award chart’:

ulta points

At most your points will be worth 6.25¢ each. Points also expire one year after they are earned unless you have Platinum status (requires spending of $450 or more in a calendar year).

Our Verdict

I don’t think the shopping cart trick works for this card (apparently it might work for at least the store card), this card is actually pretty good for purchases at Ulta with a maximum of 6.25% back and minimum of 3% back. For all other purchases, you’d be better offer using one of the cards that earn 2%+ cash back on all purchases.

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Wanda
Wanda

As I found out today it is one application for either card. You only find out when you receive the card. Received an email I was approved for the MasterCard received the rewards card. They could not give me a reasonable explanation. I tore up the rewards card and now my credit took the application points hit. Ulta is who is suffering for this because they are losing customers. I have read more bad reviews on this bank than good.

Daniela Monarrez
Daniela Monarrez

I signed up for the rewards card and was supposed to be given a 20% off cupón and never got it!!! I signed up online and received my card, no coupon??? When do they give it to you?!

Kelli White
Kelli White

Don’t apply foe ulta card they will close account even if you pay ontime

james
james

The interest rate is very high. It is usually a poor decision by a poor person to use this kind of card. I cancelled mine

Maritza c
Maritza c

I applied for Ulta and it says will be notified within 10 days .. I most likely know it’s a deniel.. yet I have Victoria secret,newyork&co,simplybe,and just got approved for express this week.. I really wanted Ulta but I will have to wait a few months .

Ultacreditcardsucks.

I have all those cards too and a credit one platinum and they still wont approve me. But yet they preapproved my friend whos credit score wasnt even a 500. This store credit card makes no sense. Btw she used the card and never paid them back. I pay all my credit cards the day the bill is put out. But still no preapproval or approval.

Annette
Annette

What is the minimum payment you have to pay when your bill is due??

Chuck

Aneette, I don’t know with this card specifically. You can read this post for general info on that question https://www.nerdwallet.com/blog/credit-cards/credit-card-issuer-minimum-payment/

Shakerra
Shakerra

How do you do the shopping cart trick?

Brown14
Brown14

I also made an in store purchase a few weeks back and the clerk advised I was pre approved. I entered the last four of my social and was approved for $3,000 limit. My score is @ 650. I have over ten cards with comenity (mix of store and credit cards) so I wasn’t surprised to get the offer. I received most of their cards through the shopping cart trick.

Nori
Nori

I made an in store purchase 2 weeks ago at Ulta and received the pop up for a credit card offer at the register. I only had to enter the last (4) digits of my social. I received the Mastercard for 5,000 (not the store card) and 20%off my purchase.
Not sure if this will work online also.

Thea
Thea

What is the average credit score for those approved?

Dee
Dee

My credit score with Credit Karma is 561.. I as approved immediatley for $250 credit limit.

Lean
Lean

Which one did you apply for