Ulta Beauty Rewards Visa Credit Card
Basic Information
Program ID: ulta-ultimate-rewards-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:30
Last Scraped: 01/15/2026 12:32
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.20
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Applied at checkout on first Ulta Beauty purchase.
Rewards Program
Reward Type: Ulta Ultamate Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Ulta Beauty Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 1 year of inactivity or account closure. Ulta Ultamate Rewards program rules also apply.
Transfer Partners: N/A - No transfer partners for this store card.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, new cardholders are anticipated to receive a bonus offer, typically structured as 20% off their first Ulta Beauty purchase made with the card, plus 500 bonus points after spending $500 outside of Ulta Beauty within the first 90 days of account opening. Eligibility requirements include being 18 years or older (19 in AL and NE), a US resident with a valid SSN or ITIN, and subject to credit approval by BreadFinance. Applicants generally need at least fair to good credit (FICO 640+), though approval can vary. Existing BreadFinance cardholders may face additional scrutiny based on their overall credit exposure with the issuer.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 90 days from account opening
Shutdown Risk Triggers: Manufactured spending, excessive gift card purchases, high cumulative credit limit across multiple BreadFinance accounts relative to income, frequent balance transfers or cash advances, multiple applications for BreadFinance cards within a short period (velocity), suspicious spending patterns inconsistent with typical retail use, late payments or defaults on any BreadFinance account, and abuse of promotional offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Ulta shoppers, easy point accumulation, good for beauty enthusiasts, occasional exclusive offers.
Top Negative Feedback:
High APR, inconsistent customer service from Comenity, limited value for non-Ulta spending, frequent credit limit adjustments.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Sephora Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Target RedCard
Card Value Score: 80.0 / 100
Est. Annual Rewards: $180.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 30% General / 70% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: January 2024