Ulta Beauty Rewards™ Mastercard®

BreadFinance Mastercard Pending

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6

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: ulta-ultimate-rewards-mastercard

Issuer: BreadFinance

Card Name: Ulta Beauty Rewards™ Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:32

Last Scraped: Feb 02, 2026 17:55

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

If you are a Servicemember and qualify for benefits under the SCRA, you may be eligible for certain benefits, including a reduction of your interest rate to 6% on balances incurred prior to your active duty.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Ulta Beauty Purchases 2x Points Purchases made at Ulta Beauty stores or ultabeauty.com No Cap
All Other Purchases 0.3333x Points Purchases made everywhere else Mastercard is accepted, excluding Ulta Beauty No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Ulta Beauty purchases, Dining, Drugstores, and select streaming services

Quarterly Rotating: No

Expiration Policy: Points expire at the end of the calendar quarter one year after the calendar quarter in which they were earned, unless you are a Platinum or Diamond member. Platinum and Diamond members' points do not expire.

Point Value: 0.03¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points must be redeemed in increments for Ulta Beauty products, typically 100 points for $3, 250 points for $7.50, 500 points for $15, 750 points for $22.50, 1000 points for $30, etc.

Benefits & Protections (Detailed) 6 Total
PENDING
Security 2
Mastercard ID Theft Protection™
N/A (service)

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration if identity theft occurs.

Zero Liability Protection
N/A (protection)

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent transactions.

Shopping 3
Ulta Beauty Rewards Earning - Ulta Beauty Purchases
2 points per $1

Earn 2 Ulta Beauty Rewards points for every $1 spent on purchases at Ulta Beauty stores and ulta.com.

Ulta Beauty Rewards Earning - Everyday Purchases
1 point per $3

Earn 1 Ulta Beauty Rewards point for every $3 spent on purchases everywhere else Mastercard is accepted.

Ulta Beauty Rewards Redemption
Varies by redemption increment

Ulta Beauty Rewards points can be redeemed for discounts on future purchases at Ulta Beauty. Points are typically redeemed in increments (e.g., 500 points = $3 off).

Travel 1
Mastercard Global Service™
N/A (service)

Provides emergency assistance services worldwide, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Benefits Summary (Flags)
PENDING

Extended 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 Back

Requirement: 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
Penalty APR: 29.99%
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
PENDING
Standard APR

Purchase APR: 21.24% - 30.24%

Cash Advance APR: 30.24%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: For 2026, the Ulta Ultimate Rewards Mastercard offers a bonus of 20% off your first Ulta Beauty purchase made with the card within 30 days of account opening, plus 500 bonus Ultimate Rewards points after spending $500 outside of Ulta Beauty within the first 90 days. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN, and possess a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards. Existing BreadFinance cardholders may be subject to a review of their total credit exposure across all BreadFinance accounts. Store-specific restrictions apply, meaning primary benefits and highest earning rates are exclusive to Ulta Beauty purchases.

Max Cards Per Issuer: 7

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across BreadFinance accounts, multiple late payments, suspicious activity inconsistent with normal spending patterns, or rapid accumulation of new credit lines.

Cliff Effect Rules: BreadFinance primarily evaluates applications on an individual basis and total credit exposure rather than strict 'card family' rules. While applying for multiple BreadFinance cards in a short period may lead to denials due to perceived credit seeking, there are no specific 'once per lifetime' or 'X/24' type rules across their portfolio. Eligibility for new cards is heavily influenced by existing credit limits and payment history with BreadFinance.

Special Events: Ulta's 21 Days of Beauty, Love Your Skin Event, Gorgeous Hair Event, Spring Haul, Fall Haul, Diamond & Platinum Perks Days, Member Appreciation Days, and brand-specific promotions.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Valentine's Day, Mother's Day, Memorial Day, 4th of July, Labor Day, and New Year's sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent rewards for frequent Ulta shoppers, especially with 5x points and exclusive offers. The Mastercard acceptance provides convenience for everyday spending, and it can be a good tool for building credit.

Top Negative:
High Annual Percentage Rate (APR) and frequently criticized customer service from Comenity Bank are major drawbacks. Rewards are primarily valuable only for Ulta purchases, and points can expire.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Sephora Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $160.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0