The Ulta Credit Card is a game-changer for beauty enthusiasts. If you’re a regular Ulta shopper, this card offers exclusive perks designed to help you save while earning rewards on your favorite products. From earning points to unlocking discounts, managing your account effectively, and making payments seamlessly, the Ulta Credit Card is your ticket to more beautiful savings.
Introduction to the Ulta Credit Card and Its Benefits
The Ulta Credit Card is tailored for Ulta Beauty fans who want to earn rewards on every purchase. Shoppers can choose between two card options:
- Ulta Beauty Rewards Credit Card: usable only in Ulta Beauty stores and at Ulta.com.
- Ulta Beauty Rewards Mastercard: usable at Ulta and anywhere Mastercard is accepted.
Key Benefits:
- Double the points: Earn 2x points per $1 spent at Ulta Beauty.
- First-purchase discount: Get 20% off your first Ulta purchase after approval.
- Exclusive perks: Free shipping on online purchases and bonus point opportunities.
The Ulta Credit Card integrates seamlessly with the Ulta Beauty Rewards program, allowing you to rack up points faster for bigger savings.
How to Earn Rewards Points
One of the best features of the Ulta Credit Card is its ability to accelerate your rewards.
Double Points on Ulta Purchases
- Every time you use your Ulta Credit Card at Ulta Beauty stores or Ulta.com, you earn 2 points per $1 spent.
- Pro Tip: Combine your spending with ongoing Ulta promotions, like bonus points events, to earn even more.
Platinum and Diamond Perks
- Platinum members earn an additional 0.25 points (1.25x) per dollar, and Diamond members earn an extra 0.5 points (1.5x), on top of the double points from the card.
Earning Points Outside of Ulta (Mastercard Users Only)
- With the Ulta Mastercard, you’ll also earn 1 point for every $3 spent outside of Ulta Beauty, ensuring you continue building rewards on everyday purchases.
Discounts and Perks
Being an Ulta Credit Cardholder unlocks special promotions and discounts that enhance your ultimate beauty experience.
Welcome Discount
New cardholders receive 20% off their first purchase after being approved. This applies to almost everything in-store or online and is perfect for stocking up on your must-haves.
Free Shipping
Enjoy free shipping on online or in-app purchases when you use your Ulta Rewards Credit Card. This benefit adds significant value for frequent online shoppers.
Enjoy Birthday Perks
Celebrate your birthday month with extra rewards or discount offers exclusive to Ulta cardholders.
Exclusive Cardholder Bonuses
Ulta often hosts card-specific bonus events, where you can earn even more points on your purchases.
Managing Your Account with the Bread Financial App
Staying on top of your Ulta Credit Card is easy with the Bread Financial app, a comprehensive tool designed for efficient account management.
Features of the Bread Financial App:
- Check Balances: Instantly view your remaining credit and transaction history.
- Monitor Points: Stay updated on your rewards balance without hassle.
- Set Payment Alerts: Activate alerts for due dates so you never miss a payment.
- Make Payments: Quickly pay your bill directly through the app, including scheduling auto-payments for convenience.
Beyond the app, you can also manage your account online through Comenity Bank’s portal to track your rewards and account activity.
Payment Options for Your Ulta Credit Card
Ulta makes paying your credit card bill simple by offering flexibility with multiple payment options:
- Online Payment: Log in to the Comenity Bank website or Bread Financial app. Use the “Pay Now” feature to select your payment method, date, and amount.
- By Phone: Call 1-866-257-9195 and follow the prompts to submit a payment.
- By Mail: Send a check or money order to:
- Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003
Be sure to include your credit card number on the check.
- EasyPay Feature: Use the online EasyPay option for a quick, no-login required payment process.
Payment Tips:
- Set Up Auto-Pay: To avoid late fees, set up automatic payments through the Bread Financial app or portal.
- Pay Early: Paying before your due date helps maintain a healthy credit score and avoids interest charges.
Maximizing Rewards with the Ulta Credit Card
To truly maximize your card’s rewards and benefits, consider these pro tips:
Plan Strategic Purchases
Time your spending around Ulta’s bonus point events to earn the most points, especially during the Diamond and Platinum Bonus Days.
Redeem Wisely
Points are worth more when redeemed at higher tiers:
- 100 points = $3 off
- 500 points = $17.50 off
- 2,000 points = $125 off
Always aim to redeem at higher thresholds for maximum savings value.
Stack Rewards with Coupons
Use your points with Ulta’s regular coupons and discounts for even greater savings. For example, apply a points redemption to a $3.50 off $15 purchase coupon to stretch your dollar further.
Stay on Top of Points Expiration
Points expire one year after being earned for Base Rewards Members. Regularly check your balance and plan your redemptions to avoid losing points. Platinum and Diamond Members’ points never expire.
Is the Ulta Credit Card Worth It?
The Ulta Credit Card can be an outstanding choice for beauty enthusiasts who frequently shop at Ulta. It’s designed to reward loyalty with high-value perks, while also offering exclusive discounts and bonus opportunities. Here’s a quick breakdown to help you decide:
Pros:
- Accelerates point accumulation with 2x points on Ulta purchases.
- Exclusive discounts, including the 20% welcome offer.
- Free shipping for cardholders.
Cons:
- Points redeemable only at Ulta Beauty.
- High APR may not suit those who don’t pay their balance in full.
For frequent Ulta shoppers who manage their accounts responsibly, the value you’ll gain from additional rewards and discounts will likely outweigh the card’s limitations.
Don’t wait to elevate your Ulta shopping experience. Maximize your beauty routine rewards with the Ulta Credit Card today.
Frequently Asked Questions
How can I pay my Ulta Credit Card bill online?
Pay your Ulta Credit Card bill online through the Comenity Bank website by logging into your account and scheduling a payment.
Can I set up automatic payments for my Ulta Credit Card?
Set up automatic payments online to ensure on-time payments and avoid late fees.
Is there an app to manage and pay my Ulta Credit Card?
The Ulta Credit Card doesn’t have its own app, but you can manage your account and make payments via Comenity Bank or Ulta’s website.
Can I pay my Ulta Credit Card bill in-store?
Ulta Credit Card payments can’t be made in stores; use online, mail, or phone instead.
What happens if I miss a payment for my Ulta Credit Card?
Missing a payment can lead to late fees and impact your credit score. Contact Comenity Bank promptly to explore your options.