4
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: ulta-ultimate-rewards-credit-card
Issuer: BreadFinance
Card Name: ULTA ULTIMATE REWARDS® CREDIT CARD
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
For covered borrowers under the Military Lending Act (MLA), the Military Annual Percentage Rate (MAPR) will not exceed 36%. This includes certain fees and charges, but no fees subject to MAPR will be charged for this account.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Ulta Beauty Purchases | 2x | Points | Net Eligible Purchases made at Ulta Beauty stores or ulta.com. | No Cap | |
| All Other Purchases | 0.3333x | Points | Net Eligible Purchases made everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x at Ulta Beauty
Quarterly Rotating: No
Expiration Policy: Ultamate Rewards points expire one year from the date they are earned, unless you are a Platinum or Diamond member, in which case points do not expire as long as you maintain that status.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Points are only redeemable for merchandise and services at Ulta Beauty stores or ulta.com. Points have no cash value.
Benefits & Protections (Detailed) 4 Total
PENDINGCost Savings 1
No Annual Fee
$0 annual feeThe Ulta Beauty Rewards Visa Credit Card does not charge an annual fee for card membership.
Everyday Rewards 1
Visa Everywhere Else Rewards
1 point per $3 spentEarn 1 Ulta Beauty Rewards point for every $3 spent on eligible purchases made everywhere else Visa credit cards are accepted, outside of Ulta Beauty, when using your Ulta Beauty Rewards Visa Credit Card.
Rewards Redemption 1
Ulta Beauty Rewards Redemption
125 points = $3.00 rewardRedeem accumulated Ulta Beauty Rewards points for discounts on any product or service available at Ulta Beauty stores or ulta.com. Points convert to rewards at a rate of 125 points for a $3.00 reward.
Shopping Rewards 1
Ulta Beauty In-Store & Online Rewards
2 points per $1 spentEarn 2 Ulta Beauty Rewards points for every $1 spent on eligible purchases made at Ulta Beauty stores and ulta.com when using your Ulta Beauty Rewards Visa Credit Card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$500
Cash BackRequirement: Spend $500 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Ulta Ultimate Rewards Credit Card (issued by BreadFinance) in 2026 typically requires applicants to be a U.S. resident, at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a good to excellent credit score (generally FICO 670+ for the co-branded version, potentially lower for the store-only card). The standard sign-up bonus is expected to be a percentage off the first Ulta purchase made with the card (e.g., 20%), combined with a bonus points offer (e.g., 500-2000 points) after meeting a specified spending threshold (e.g., $500) within the initial 90 days of account opening. Application is typically online with instant decisioning often available.
Max Cards Per Issuer: 2
Min Spend Interval: 3 months
Cliff Effect Rules: Applicants who have previously held the Ulta Ultimate Rewards Credit Card (store-only) or the Ulta Ultimate Rewards Visa Card within the last 24 months may not be eligible for a new sign-up bonus on either product. Upgrading from the store-only card to the co-branded Visa version typically does not qualify for a new bonus offer.
Special Events: Ulta's key promotional events such as '21 Days of Beauty', 'Gorgeous Hair Event', 'Love Your Skin Event', 'Member Appreciation Days', and 'Platinum/Diamond Perks Days' are expected to continue. Cardholders often receive exclusive early access, enhanced bonus points, or additional discounts when using their Ulta credit card during these periods.
Holiday Promos: Expect enhanced bonus point offers, special financing options, or exclusive discounts during major retail holiday periods including Black Friday/Cyber Monday, Christmas/New Year, Mother's Day, Valentine's Day, Memorial Day, and Labor Day.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent rewards for frequent Ulta shoppers, easy application process, exclusive discounts and promotions.
Top Negative:
High APR, customer service issues with Comenity, limited utility for non-Ulta purchases, low credit limits reported by some users.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Sephora Credit Card
- Target RedCard
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0