Ulta Credit Card Credit Score: The Ultamate Rewards® Credit Card* is a retail card whose benefits are predictable. It earns points for Ulta Beauty purchases at Ulta Beauty shops and on ulta.com. Because it is a shop card, you will not be able to use it at other merchants. Continue reading!
However, the value of such prizes is on the higher side, which is unusual for a card of this nature. Let’s look at the Ulta credit card, its features, and whether they’re appropriate for you.
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Highlights of the Ulta Credit Card
- Get 20% off your first Ulta Beauty purchase.
- 1 point for every dollar spent at Ulta Beauty shops.
- Points are worth 3 to 6.25 cents each.
- No yearly fee.
- High APR
- 3% international transaction charge.
Ulta Credit Card Benefits
As a regular Ulta Beauty client, you have two credit card options available: the Ultamate Rewards® Credit Card* and the Ultamate Rewards® Mastercard® Credit Card*, both issued by Comenity Capital Bank.
Both cards have no annual fees, provide 20% off your first Ulta Beauty purchase, and earn 2 points per dollar on all Ulta Beauty purchases (1 point as a general member and 1 point as a credit card holder).
However, the Ultamate Rewards® Credit Card* can only be used in Ulta shops, whilst the Ultamate Rewards Mastercard may be used anywhere a Mastercard is accepted.
The Ultamate Rewards Mastercard also provides 500 additional points after spending $500 outside of Ulta Beauty during the first 90 days of account creation, as well as 1 point for $3 on non-Ulta purchases.
Unfortunately, you can only find out which card you’ll be authorised for by filling out an application. Comenity will take matters into its own hands and approve you for a card depending on your credit history.
The third choice is the Ultamate Rewards Card, which isn’t a credit card but rather a rewards card for Ultamate Rewards members.
It’s free to enroll, and every time you buy at Ulta, simply produce your membership card at checkout to earn points.
If you apply for an Ulta credit card in-store or online, you may use it on your first transaction. If you apply online, you must wait for the card to arrive before you may use it for future transactions.
Earning Rewards
With either version of the Ulta credit card, you will receive a 20% discount on your first purchase at an Ulta Beauty shop. Following the initial purchase, the incentive system is as follows:
- Ulta purchases get 1 point per dollar (on both cards).
- 1 point for every $3 spent at other retailers (on the Ultamate Rewards Mastercard alone).
- The 1 point per dollar earning rate is in addition to the 1 point per dollar you would receive as a rewards programme member.
Keep in mind that points expire at the conclusion of the calendar quarter following the 12-month period in which you earned the incentives. Ulta points do not expire for Platinum or Diamond members.
Redeeming Rewards
The more frequently you purchase at Ulta Beauty locations, the faster the points accumulate. And the more points you get, the more they are worth.
Here’s what your Ultamate Rewards are worth:
- 100 points = $3
- 250 points = $8
- 500 points = $17.50
- 750 points = $30
- 1,000 points = $50
- 2,000 points = $125
Depending on the redemption option you select, the value of each point might range from 3 cents to 6.25 cents.
This is far greater than the industry norm of one cent per point, which is seen on many cash-back credit cards. However, points may only be redeemed in Ulta Beauty shops or on ulta.com.
Reward Potential
The points potential earned with the Ultamate points Credit Card or Ultamate Rewards Mastercard varies according on how frequently you shop at Ulta and how much you spend each visit.
Assume you visit an Ulta Beauty store every two months and spend $60 each time, totaling $360 in cosmetics and skincare every year.
As a standard Ultamate Rewards member, you earn 1 point every dollar, and using your Ulta credit card earns you an additional 1 point, for a total of 720 points each year.
According to the redemption chart above, 500 points can be redeemed for $17.50 in products.
You’ll earn even more if you get beauty services from an Ulta salon, such as haircuts or cosmetics, and use an Ulta-branded credit card to pay for them.
Depending on how frequently you cut and colour your hair or get your cosmetics done at an Ulta salon, you might achieve top-tier Diamond status in the Ultamate Rewards programme, earning 2.5 points on Ulta purchases and increasing the redemption value.
Other Ultamate Rewards Member Benefits
As an Ultamate Rewards member, you receive several benefits, which vary depending on your membership status.
To become an elite shopper at Ulta, you must spend:
- $500 per year to be a Platinum member.
- $1,200 per year to be a Diamond member.
- All members have the following benefits:
- Earn 1 point for every dollar spent at Ulta, and
- 2 points during your birthday month.
- Bonus points and discounts.
- Redeem your points for discounts.
- Get a free gift throughout your birthday month.
Platinum members enjoy the following benefits:
- Ulta offers 1.25 points each dollar.
- Points do not expire.
- $10 birthday-month coupon
- Exclusive offers, freebies, and early access.
Diamond members have the following benefits:
Ulta offers 1.5 points for every spend, including a diamond present and a $25 service incentive.
Free delivery for orders of at least $25.
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Who Should Get the Ulta Credit Card?
The Ulta credit card’s target audience is obvious: regular Ulta Beauty consumers, especially because the benefits can only be redeemed at Ulta stores.
Those who obtain Ulta Salon services will profit from charging the services to the card and collecting enough rewards to qualify for Ultimate Rewards status.
Those who frequently carry debt on their credit cards should avoid them. Ulta credit cards carry interest rates of up to 32.24%.
Although beauty necessitates sacrifice, the APR seems a bit excessive in this situation.
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