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!
Advertisement
Everything you need to know before signing up for the Ulta Credit Card
This Ulta Credit Card review will provide a comprehensive analysis for Ulta Beauty lovers considering this card to maximize their savings.
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.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Rewards
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.
Fees and Rates
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.
Pros
- 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.
Cons
- Restricted reward system only redeemable at Ulta;
- Exclusive for Ulta Beauty and Ulta.com.
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!
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!
About the author / Suzana Brito
Trending Topics
First Progress Platinum Select Mastercard® Secured Credit Card review
Bad credit won't let you down! Read our review on the First Progress Platinum Select Mastercard® Secured Credit Card to learn more!
Keep Reading
More Rewards, Fewer Fees: X1 Credit Card Review
Check out this comprehensive review of the X1 Credit Card! $0 annual fee and unlimited rewards - read on and learn more!
Keep Reading
Marcus by Goldman Sachs Personal Loans review
Read our Marcus by Goldman Sachs Personal Loans review to learn how this loan can help you achieve your financial goals with zero fees.
Keep ReadingYou may also like
What to do if I didn’t get my Stimulus Check? [2023]
Here are some tips on what to do if you're one of the millions of Americans who haven't received their stimulus check yet. Read on!
Keep Reading
Learn to apply easily for the PenFed Mortgage
How to apply for PenFed mortgages? Follow these 5 steps! Choose from a variety of loan products! Enjoy closing-cost credits!
Keep Reading
Wells Fargo Active Cash® Card review
Read this Wells Fargo Active Cash® Card review and discover if this card is right for you! No annual fee! Earn cash back!
Keep Reading