Ulta Beauty Credit Card – A Quick Guide

The Ulta Beauty Credit Card is a must-have for beauty lovers who regularly shop at Ulta. With no annual fee, this card offers the ability to earn 5x points per $1 spent on Ulta purchases. These Reward Points can be redeemed for real cash value on future Ulta shopping trips.

Ulta credit card provides financing options to make those pricier beauty splurges more affordable via features like promotional financing terms, credit access lines, and flexible payment plans tailored to your budget.

Ulta Beauty Credit Card

Between the hefty loyalty rewards and practical financing solutions, the Ulta Beauty Credit Card alleviates the high cost of maintaining your ideal look.

This post will explore everything about the card in detail, covering benefits, costs, application information, account management, and more so you can determine if adding the Ulta credit card to your wallet is the rewarding, beauty-enhancing decision it seems to be!

Benefits of the Ulta Beauty Credit Card

The main benefits of the Ulta Beauty Credit Card include:

Earn Rewards on Ulta Purchases

Earn 5x points per $1 spent on Ulta Beauty purchases in-store and online
Points can be redeemed for money off future Ulta purchases
Easy to accumulate a lot of points if you shop at Ulta often

Get 20% Off Your First Purchase

Get 20% off your very first purchase when you open the credit card
The perfect way to save on your initial Ulta haul

Special Birthday Offer

Receive a special offer during your birthday month
Typically a $10 or $20 coupon to used on Ulta products

Free Shipping

Get free shipping on $35+ orders when you use your Ulta credit card
Saves you from having to meet the usual $50 minimum for free shipping

Special Cardholder Offers

Access special discounts and bonus point events just for cardholders
Brings extra savings on top of the regular rewards you earn

Key Features of the Card

Here are some of the most important features to understand about the Ulta Beauty Credit Card:

No Annual Fee

There is no annual fee to have the card, which makes the rewards very easy to earn with no extra costs.

High APR

The purchase and balance transfer APR is quite high at around 28%. It’s best to pay off your full balance each month.

No Preset Spending Limit

The card has no preset spending limit, but that doesn’t mean unlimited spending. Purchases are approved based on creditworthiness and other factors.

Valid Only at Ulta

Since it’s a store card, it can only be used to make purchases at Ulta stores and on the Ulta website.

Fees Associated with the Card

Fortunately, there are not many expensive fees with the Ulta credit card. But there are still a few you need to be aware of:

No annual fee
28% variable APR on purchases (quite high)
Up to $40 fee for late or returned payments
3% foreign transaction fee
Balance transfer fee of $10 or 4% (whichever is greater)

As long as you pay on time, use the card only on domestic Ulta purchases, and pay off your monthly balance, you can avoid most fees.

How to Apply for the Ulta Beauty Credit Card

Applying for the Ulta Beauty Credit Card is quick and simple. Here’s how to do it in just 5 minutes:

Go to the Ulta Credit Card application page.
Provide basic information including your name, address, date of birth, Social Security Number, and income amount.
Review the Terms & Conditions and submit your application.
You’ll receive an instant decision on whether you’re approved or not.
If approved, you can start using your card number immediately on the Ulta website.

And that’s it! The physical card will arrive within 7-10 business days if you’re approved.

How to Activate Your Ulta Credit Card

Once your new Ulta credit card arrives in the mail, follow these steps to activate it:

Call the number on the activation sticker found on the front of your card.
Provide personal identification information like your Social Security Number or date of birth when prompted.
Set your PIN for card security when prompted.
Your card will now be activated for use in stores!
Destroy the sticker by removing it and cutting it up once your card is activated.

Be sure to sign the back before using at any brick-and-mortar Ulta locations. Now your card is ready to start earning rewards!

How to Login to Your Ulta Credit Card Account

Logging in to your Ultimate Rewards account allows you to view statements, make payments, see rewards, and more. Follow these steps:

Go to the Ultimate Rewards website
Click “Sign In” in the top right.
Enter your username and password credentials. First-time users should click “Register”.
Select “Credit Card Account” to manage specifically your Ultimate Rewards Credit Card.
View your transactions, rewards history, earnings to date, make payments, and more!

Logging in frequently lets you monitor spending activity, redeem rewards, and stay on top of payments.

Making Payments on the Card

There are a couple ways to pay your Ulta credit card bill each month:

Pay online – Login to your account and submit payments directly on the Ultamate Rewards website
Pay by phone – Call the number on the back of your card and follow the prompts to pay
Pay by mail – Send a physical check or money order to the payment address listed on your statement

Try to pay more than the minimum amount each month to save on interest charges due to the high APR and pay off your balance quickly.

You can also enroll in autopay directly through your online account to have payments sent automatically each billing cycle. Just be sure the funds are available in your linked bank account.

Additional Important Information

Here are some final important details and tips for using your Ulta Beauty Credit Card responsibly:

Check your rewards expiration date so you don’t lose them
Pay attention to bonus point offers exclusive to cardholders
Note that returned purchases can take points away
Spending too much can negatively impact your credit score
Contact Ultamate Rewards support if you have any other questions!

Conclusion

For loyal Ulta shoppers, the Ulta Beauty Credit Card can be a great way to earn rewards points on beauty purchases fast. Just be conscious of the high interest rate by paying balances in full each month.

Manage your account responsibly by paying on time and staying under your allowed credit limit as well. If you love treating yourself at Ulta, this card truly makes your rewards sweet like the sugary scented lotions on their shelves.