Credit Cards

Beauty on a Budget? An Ulta Credit Card Honest Review

An Ulta Credit Card Review: Discover its enticing rewards, exclusive perks, and potential pitfalls. Earn points on purchases and much more!


Everything you need to know before signing up for the Ulta Credit Card

Ulta Credit Card
Beauty on a Budget? An Ulta Credit Card Honest Review. Source: The Mad Capitalist

This Ulta Credit Card review will provide a comprehensive analysis for Ulta Beauty lovers considering this card to maximize their savings.

Ulta Credit Card

Get the Ulta Credit Card: Apply now!

Buy more beauty products with exclusive sales and points at Ulta. Find out how to apply for the Ulta Credit Card now!

Gain a comprehensive understanding of the benefits, advantages, and limitations of making a well-informed choice. Keep reading!

  • Credit Score: 640 or higher; 
  • Annual Fee: $0;
  • Purchase APR:  30.99% ( variable);
  • Cash Advance APR: N/A;
  • Welcome Bonus: Get a 20% discount on your first purchase at Ulta Beauty;
  • Rewards: Earn up to 2 points on the dollar spent at Ulta Beauty, website, and salon.

Ulta Credit Card: how does it work?

If you’re an avid Ulta shopper, constantly buying makeup and other beauty products, the Ulta Credit Card is more than worthy.

Not only will you save money on your first purchase, but those points will quickly add up, providing more opportunities for additional discounts.

However, it may not be the best fit if you don’t shop at Ulta frequently or struggle with high-interest credit card debt.

Let’s start by breaking down the benefits of the Ulta Credit Card.


With the Ultamate Rewards Credit Card, you receive 20% off your first purchase, 2 points for every dollar spent at Ulta, and no annual fee.

So, as an example, for every $500 you spend, you’ll receive a $10 reward that you can use towards future purchases.

Exclusive Advantages for Cardholders

Not to mention, cardholders also receive exclusive emails featuring special deals and promotions.

Limited to Ulta Beauty

However, this card also has its downsides. One of the biggest drawbacks is that you can only redeem rewards at Ulta Beauty’s website and salon for salon services.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Fees and Rates

Ulta Credit Card
Everything you need to know before signing up for the Ulta Credit Card. Source: Ulta

The Ulta Credit Card doesn’t charge an annual fee or APR for balance transfers and Cash Advances.

However, the high ongoing APR of 30.99% can make carrying a balance on this card quite costly.

In addition, two other fees might apply:

  • Late Payment Fee: Up to $41;
  • Returned Payment Fee: Up to $41.

If you aren’t sure if this credit card would suit you, pay close attention to the next topic.

Ulta Credit Card: should you get one?

The Ultamate Rewards Credit Card is an awesome choice for loyal Ulta shoppers who love splurging on beauty and salon services.

Before diving in, check out these factors to weigh the pros and cons of applying.


  • Exclusive offers and discounts for cardholders;
  • 2 points per dollar spent at Ulta, with no cap;
  • Birthday gifts and access to special shopping events;
  • No annual fee.


  • Restricted reward system only redeemable at Ulta;
  • Exclusive for Ulta Beauty and

Credit score required

Before applying for the Ulta Rewards Credit Card, you should review if you have a FICO credit score of at least 640.

If your credit score is lower, improving it before applying is best.

Ulta Credit Card application: how to do it?

Learn how to get the Ulta Credit Card effortlessly. Apply within minutes using our guide. Continue reading to discover more!

Ulta Credit Card

Get the Ulta Credit Card: Apply now!

Buy more beauty products with exclusive sales and points at Ulta. Find out how to apply for the Ulta Credit Card now!

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