Ulta Beauty Rewards Mastercard
By Alex Compton · Last verified
Extra Ultamate points at Ulta, and almost nothing anywhere else.
Welcome Bonus
None
20% off your first Ulta Beauty purchase; no points sign-up bonus
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
640+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Offer ended: 500 → 0 · Spend: $500 → $0 · Window: 3 months → 0 months20% off your first Ulta Beauty purchase; no points sign-up bonus | Ulta Beauty Rewards credit card page → |
| 2026-06 | 500 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-01 | 500 | $500 in 3 mo | Earliest recordSign-up points bonus added January 2025 | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
500-point sign-up bonus no longer offered, only 20% off first purchase; points expiry rule clarified; no annual fee and 3% FTF confirmed in Comenity fee summary.
Fields: currentOffer, cons
Ulta Beauty Rewards credit card page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xUlta Beauty purchases1 extra card point on top of base member points
- 0.33xEverywhere else1 point per $3 spent
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Points stack with Ultamate member earning and Platinum or Diamond multipliers
- ✦Ultamate points climb in value at bigger redemptions, up to $125 off for 2,000 points
- ✦Mastercard version usable anywhere, unlike the store-only Ulta Beauty Rewards Credit Card sibling
Why it earns its spot
- +Doubles down on a rewards program beauty regulars already max
- +20% first-purchase discount on a big haul
- +No annual fee
Where it costs you
- −1 point per $3 outside Ulta is among the worst earn rates in print
- −Points expire at the end of the quarter one year after they are earned, except for Platinum and Diamond members
- −Comenity servicing and shutdown reputation
The Compound Verdict
Inside Ulta this card makes sense for Diamond tier devotees stacking multipliers. Outside Ulta it earns a third of a point per dollar, which rounds to insulting. Use it at the register at Ulta and never anywhere else.
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