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Ultamate Rewards® Mastercard® Credit Card card

Ultamate Rewards® Mastercard® Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Fair
Card network
Mastercard
Regular purchase APR
23.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

If you love all things beauty, the Ultamate Rewards® Mastercard® is the credit card offer for you. Beauty lovers will be able to earn 2X points on all Ulta purchases, a modest 500 bonus points for spending after the first purchase (valued at $17.50), and 20% off all products and services using the Ultamate Rewards credit card.

Our review of the Ultamate Rewards® Mastercard® Credit Card

The Ultamate Rewards® Mastercard® is a must-have for loyal Ulta Beauty customers looking to maximize their rewards. With perks like 20% off the first purchase, 2X points at Ulta, and a generous bonus points offer, this card is ideal for those who frequent Ulta stores both in-person and online.

Welcome Bonus Offers

New cardholders can start earning points immediately, with the added benefit of a 20% coupon for their first purchase. Plus, they can enjoy exclusive discounts and offers throughout the year.

How to Earn Rewards with Ulta Beauty Rewards Cards

The Ultamate Rewards® Mastercard® offers 2X points on every dollar spent at Ulta, making it easy to rack up points for future purchases. Elite members can earn even more points and enjoy additional benefits.

Who Can Benefit Most from the Ulta Credit Card?

This card is perfect for Ulta enthusiasts who shop frequently at the store. With the ability to earn points on every purchase, cardholders can quickly accumulate rewards for discounts on their favorite beauty products.

Redeeming Rewards Points

Points can be redeemed through the Ultamate Rewards program for discounts on future purchases. Cardholders can also redeem points for statement credits through Beyond Ultamate Rewards for even more savings.

How to Get the Most Value from Ultamate Rewards

By taking advantage of bonus offers, birthday promotions, and special discounts, cardholders can maximize their rewards and save money on their favorite beauty products.

Other Card Features

In addition to earning points at Ulta, cardholders can enjoy no annual fee, exclusive access to Ulta events, and Mastercard benefits like zero liability protection and ID theft protection.

Should You Apply for the Ultamate Rewards Mastercard?

Whether you’re a frequent Ulta shopper or just looking to earn rewards on your beauty purchases, the Ultamate Rewards® Mastercard® is a valuable addition to any wallet. With no annual fee and the opportunity to earn points on every purchase, this card offers great value for Ulta customers.

Don’t miss out on the opportunity to earn rewards and save money on your favorite beauty products with the Ultamate Rewards® Mastercard®. Apply today and start maximizing your rewards!

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 500 bonus points after spending $500 outside of Ulta Beauty within the first 90 days
  • Earn 2 points for every $1 spent at Ulta Beauty
  • Earn 1 point for every $3 spent elsewhere
  • 20% off your first Ulta Beauty Purchase

Who this card may suit

  • You spend at least $50 at Ulta Beauty per year
  • You're a Platinum-level Ultamate Rewards member or higher
  • You want a credit card with no annual fee
  • You want an open-loop card to use anywhere Mastercard is accepted
  • You will pay off the balance in full every month

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR23.24%, 29.24%, or 32.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR26.99%
Balance Transfer Transaction FeeEither $10 or 5% of the amount of the balance transfer, whichever is greater
Cash Advance APR33.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of the cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $41
Return Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit.

Apply Now for Ultamate Rewards® Mastercard® Credit Card (opens in a new tab)View issuer terms for Ultamate Rewards® Mastercard® Credit Card (opens in a new tab)

Ultamate Rewards® Mastercard® Credit Card

Apply Now for Ultamate Rewards® Mastercard® Credit Card (opens in a new tab)

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