Posted by William Charles on July 30, 2016
Credit Cards

Published on July 30th, 2016 | by William Charles

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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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chen
chen

It is worth 6.25¢ max…

Jeff
Jeff

At the top category (2000 pts / $125) we are looking at a valuation of 6.25c/pt, not the .625 that you mentioned. At that rate it’s actually a great return!

Peter
Peter

I think your math is wrong.

Points are worth 3 cents to max of 6.25 cents each depending on redemption level.

Ryan
Ryan

Am I missing something? Looks like minimum is 3cpp, max is 6.25cpp. Still not worth it because I don’t spend that much on skincare at Ulta but maybe useful for some women out there who buy all their make up and skincare at Ulta? Would be nice if they offered a flat discount on everything like REDcard though.

Ian
Ian

To get the 500 welcome bonus points, you have to put $500 non-Ultra spend; you get 500 +167 points. that means your bonus is only worth $17.50 in ultra stuff for $500 spend. Yuk. To get to 2000 points, you’d have to spend another $1333 at UltraBeauty, or another $3999 elsewhere to get to 2000 points and the $125 off any ultra item.

Trisha
Trisha

I applied online and it says I will be notified in7 to 10 business days. Does that mean i didn’t get approved like most cards do? Thank you!

J. Baca
J. Baca

I got same response and received an email that i was approved.

schamada Turner-Smith
schamada Turner-Smith

What was the time frame of you receiving the approval email

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

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.

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.

Shakerra
Shakerra

How do you do the shopping cart trick?

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/

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.

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

Kelli White
Kelli White

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

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?!

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