As regular shoppers and salon-goers, customers can stack up remarkably well when it comes to the Ulta credit card login, if inflexible, rewards. But if you need to carry a balance, this card is not your thing.
The Ulta credit card, which is issued by Comenity Bank, is not everyone’s look. It suffers from some of the same constraints as many other store cards, including inflexibility of rewards and high recurring APR.
But if you’re an Ulta habitué—and especially if you’re a regular at the Ulta salon. A surprisingly handy store card, thanks to its high point values.
Your email address is your ulta.com login! For a temporary password, attempt to log in from the web or app and click on “Forgot your Password?” Next, enter your email address, and you’ll receive an email with reset instructions!
How Does the Ulta Credit Card Work?
Ulta Beauty Rewards Mastercard Credit Card Accounts are issued by Comenity Capital Bank under license from Mastercard International Incorporated.
Members with an average credit limit for matched cards or similar cards have it at $2,642, and the most common one has $750.
The Ulta Credit Card will do a hard inquiry on your credit when you get it. You will need at least a good credit score to get it, which is above most store credit cards’ minimum, but you can use it wherever Mastercard is accepted. Ulta will also pre-screen you for a pre-approval by mail or in the stores.
To get a cash advance from your Ulta Credit Card, call (866) 254-9971, customer service, and request a PIN if you don’t already have one. Put the credit card in an ATM and enter the PIN. Select the cash advance option on the ATM display.
Is there One Version of the Ulta Credit Card?
When you apply for the Ulta credit card, you may be considered for one of two cards depending on your credit and financial history:
The Ulta Beauty Rewards Credit Card is a “closed-loop” card, usable only at Ulta Beauty stores and online at Ulta.com.
The Ulta Beauty Rewards Mastercard is an “open-loop” card and can be used wherever Mastercard is accepted. Each card has a $0 annual fee, but for those with sufficient credit to be eligible, the Mastercard model is more useful and lucrative.
As an example, through January 2025, Ulta Beauty Rewards Mastercard holders qualify for a modest sign-up bonus. (There is no such bonus on the store card.)
How Do I Close My Ulta Credit Card Account?
You can close your Ulta Beauty Rewards® Mastercard® Credit Card and reapply for the Ulta Beauty Rewards Credit Card by phoning the number on the back of your card or 866-257-9195, TDD/TTY: 888-819-1918.
Wherever you are, you can cancel your Ulta Beauty account at any time through your Ulta Beauty app. We’ll send you a message that you can use to verify your identity and finalize your cancellation after you request it.
Home shipment online orders can be cancelled within 1 hour of purchase. Text, chat, or call soon so that we can cancel your order. If you attempt to cancel after store hours, then text us so that we can respond immediately. Buy Online Pick-up in store and same-day delivery orders are shipped as soon as they are made.
What Happens if I Don’t Pay My Ulta Credit Card?
If you are late with a payment, you will be charged a late fee, a penalty APR, and a negative mark on your credit report, which will reduce your credit score. At least pay the minimum amount by the due date.
You can close your credit card through your mobile app or online banking. Simply go to the credit card you want to close and select ‘close this account.’ We will then ask you to provide some information and indicate that you would like to close the credit card.
What is the Ulta Credit Card Expiration Policy?
And like most store cards, the points have limited redemption within the Ulta brand only and are not very flexible. But here’s good news: Ulta Beauty Rewards points are worth more than an industry average of a penny a point.
And, unlike most store cards, the minimum amount you can redeem is quite low—only 100 points to begin with—and you can choose when and how many to redeem whenever you like.
One exception: points expire after a year for level-one members. If you don’t make enough purchases with Ulta to reach the Platinum or Diamond levels (on which points don’t expire), be sure you put a calendar reminder on your phone so that you don’t let any chance at redeeming points slip through your fingers.
Last Words
To check your Ulta Beauty Rewards points balance, go to ulta.com or download the Ulta Beauty app on your smartphone and log into your online account or create an account and input your Member ID when you do so. Once you have logged in, you can view your points balance.
In order to update your phone number, we ask you to visit a local Ulta Beauty store, and please be ready to present a government-issued ID for your protection. For all other changes or questions, please contact Guest Services directly.
They say beauty is pain, but that interest rate is a little too painful. If there’s any chance you’ll carry a balance, you’re much better off combining the free-to-join Ulta Beauty Rewards program with a 0% intro APR credit card card.
