Ulta Beauty Mastercard Credit Card
Basic Information
Program ID: ulta-ultimate-rewards-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:32
Last Scraped: 01/15/2026 12:34
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 32.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
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: $500.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus points are typically awarded within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Ulta Beauty Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.75%
Bonus Categories: Up to 2.75x at Ulta Beauty (includes Ulta Beauty Rewards loyalty program points for Diamond members); 1x on all other purchases. Note: 2026 details are projected based on current program structure as of early 2024, as future program details are not yet announced.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 1 year for Members, 18 months for Platinum, and do not expire for Diamond members, provided the Ulta Beauty Rewards account remains active.
Transfer Partners: N/A (Ulta Beauty Rewards points are not transferable to airline or hotel partners)
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
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Ulta Ultimate Rewards Mastercard from Bread Financial offers a sign-up bonus of 20% off your first Ulta Beauty purchase made with the card within 30 days of account opening, plus 500 bonus UltaMate Rewards points after spending $500 outside of Ulta Beauty within the first 90 days. Eligibility requirements include being at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), possessing a valid government-issued photo ID, and demonstrating a fair to excellent credit history (typically FICO score 670+). Applicants should not have applied for more than 2 Bread Financial credit products within the last 6 months and must not have defaulted on any previous Bread Financial accounts.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Excessive returns on purchases that earned rewards, late payments, defaulting on other Bread Financial accounts, sudden drastic changes in spending patterns inconsistent with historical behavior, high cumulative credit limit across all Bread Financial products relative to income, suspected fraud or account abuse, manufactured spending (though less common for store cards, still a general trigger).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.3 / 5.0
Top Positive Feedback:
Excellent rewards rate for frequent Ulta shoppers (6% back), good for building credit, and occasional sign-up bonuses.
Top Negative Feedback:
Very low rewards on non-Ulta purchases (1%), frequent complaints about Comenity's customer service, high APR, and points are only redeemable at Ulta.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Sephora Credit Card
- Chase Freedom Unlimited
- Citi Double Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $225.00
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: 75.0%
Terms Version Control
Version ID: v1.0