Ulta Comenity Credit Card - Start Here

Last Updated: November 13, 2023

How Ulta Rewards Insider Works

You can join Ulta Rewards for free, and you don't need to apply for the Ulta Beauty Credit Card to do so. As a non-credit card member you can level up through the program's 3 status levels, each of which increases your points-earning potential. For example, entry-level Ultamate Rewards members get 1 point per dollar while Platinum members get 1.25 points per dollar. Diamond Members have reached the highest tier in Ulta's Rewards program, and they earn 1.5 points per dollar spent.

Key Terms

It can often be hard to understand the complex terms and conditions when opening a credit card, so we've gone ahead and summarized them here for you in an easy to digest overview:

• Eligibility: In general, most anyone can apply for a card, but some states within the U.S. have various provisions that may affect your ability to open an account. For example, there are rules allowing married individuals in California to apply for separate accounts and provisions ensuring equal credit availability in Ohio. Residents of New York, Rhode Island, and Vermont, for example, may have credit reports ordered in connection with credit processing, while other states don't. These are important considerations, but there's no need to get bogged down in the details. You will have access to all these terms at the time you complete your application. And unless you hear otherwise, you should not be affected by these special cases.
  
• Cash Advances: A PIN number is required for any ATM cash advances, should you choose to avail yourself of this feature. You can set this up pretty simply by calling 1-888-819-1918.
  
• Annual Fees: If an Annual Fee applies to your card, you'll see this reflected on your bill, usually at the close of the first billing period and every year thereafter. If you happen to close out your account within 30 days of receiving this charge, this fee is considered fully refundable.
  
• Late Fees & Other Fees: Late fees are a bit trickier than annual fees. Generally speaking, a Late Fee is charged if the minimum credit card payment is not paid by the Due Date. The late fee is $30 unless you incur a late fee more than once in 6 months, in which case the fee will increase to $41. The same fee schedule applies to Returned Payment Fees, which are charged for payments that are not honored by your financial institution. And, if paying by phone, an expedited phone payment may incur a fee, which can range as high as $15.

Benefits

Once you open an Ulta Comenity Credit Card, you'll start seeing the benefits immediately. You'll get 20% off your first purchase after opening the card as well as 2 points per dollar spent at Ulta Beauty. That's higher than the 1.5 points you'd earn by reaching Diamond Status, so the Ulta Comenity Card immediately accelerates you to the highest points-earning status available.

If you opt to get the Mastercard version, you can earn 1 point for every $3 spent outside of Ulta Beauty as well as 500 bonus points when you make $500 worth of non-Ulta purchases within 90 days. In addition, the card has no annual fee.

How to Apply

You can apply for the Comenity Ulta Credit Card here. Just be aware that you'll need to become an Ultamate Rewards member first.

Pay Your Bill

The best way to pay your Ulta Comenity Credit Card is to use Comenity's EasyPay system. This allows you to pay your bill without logging into your account. Instead of using a username and password combination, you'll just need your credit card account number, zip code, and your ID number.

Customer Support

You can reach Ulta Comenity customer support by calling 1-866-983-8582. They are available days per week between 7am - 11pm Central Time.

Final Thoughts

The Ulta Comenity Credit Card offers substantial benefits above and beyond what you would normally get as an Ulta Rewards member without the credit card. While the entry-level status in the program earns you 1 point per dollar, you can achieve 2 points per dollar with the card. In addition, the 20% discount off your first purchase and the option of earning points outside of Ulta Beauty with the Mastercard make this a fantastic option for those who shop there frequently.