The Ugly Side Of Beauty: Ulta Credit Cards

I don’t use or wear makeup. So maybe I’m incorrect about all I’ve said about the Ulta Near Me, Ulta Ultamate Rewards Mastercard. However, after looking at what the Ulta Mastercard has to offer, I’ll conclude that it’s essentially pointless unless Ulta is your only option for cosmetics and other beauty-related purchases.

The Important Information About Ulta Credit Cards: Features And Advantages

The Ultamate Rewards Mastercard and the Ultamate Rewards credit card are the two credit cards that Ulta provides.

Let’s quickly wrap up our discussion of the Ultamate Rewards credit card. It is a store-only card, so you may only use it to make purchases in Ulta Beauty retail locations, or online at With this card, you may receive 20% off your first purchase; 2 points for every $1 spent at Ulta Beauty locations or online; and other benefits using promo code of ulta Coupon $10 Off $40.

The Total Number Of Advantages Is That

Starting with 100 points, or $3, you may use your collected points to make purchases at Ulta near you. The points can’t be used elsewhere. The topic of a redemption value will be covered later.

However, because the Ultamate Rewards Mastercard has various perks, let’s discuss it first.

In contrast to the Ultamate Rewards credit card, the Ultamate Rewards Mastercard is a traditional credit card that may be used anywhere Mastercard is accepted. With this Mastercard, you may earn 20% off your first purchase, 2 Ulta Beauty store points for every $1 spent, and 1 point for every $3 spent elsewhere.

500 Welcome Bonus points after spending $500 in the first three months anywhere else that isn’t Ulta, which is comparable to $17.50 in Ulta Credit Card purchases.

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Are Ulta Credit Cards Beneficial for Me, then?

This just relies on how much money you typically spend on cosmetics.

The Ultamate Rewards Mastercard is certainly a wise option. If Ulta Near is your go-to store for all of your cosmetic and aesthetic requirements.

The Ultamate Rewards Mastercard, like with all Mastercards, is considered preferable to the Ultamate Rewards credit card. If you are the ultimate Ulta shopper. Compared to the Ultamate Rewards card, you get 3 points for every $1 spent instead of 2. Additionally, it enables you to accrue points for all of your other everyday transactions.

As a result, using a Mastercard will enable you to accrue points much more quickly. So, in my opinion, the Ultamate Rewards credit card is a no-go for Ulta customers.

However, the Ultamate Rewards Mastercard can be used for purchases only at Ulta. It is not a card that is very practical for use for regular, non-beauty-related expenditures. Other credit cards, such as the Citi® Double Cash Card. Capital One Savor or BT’s 18-month promotion. Provide far higher cashback opportunities, making one point for every $3 spent inferior.

Only Ulta Credit Card purchases are eligible for Ultamate rewards at checkout.Unfortunately. You can’t exchange your points for cash to use for items like groceries or holidays.

They are only valid for purchases at Ulta Beauty.

This isn’t necessarily bad news for Ulta Credit Card holders who make regular purchases. The Ultamate Rewards, you earn from those purchases are worth more than the cash back you’d get with a standard credit card.

With an Ultamate Rewards Mastercard, you may earn 200 points worth $6 for every $100 you spend at Ulta. The same $100 would earn $2 if you used a credit card with a 2% cashback rate.

How much your rewards would exceed the dollar value of your Ultamate points. A 2% cashback credit card widens when you spend more at store.

Considerations For Your Credit Score

Both cards are accessible to the great majority of American consumers. An “excellent” Ulta Credit Card score is required for approval (defined as 670 or higher).

Alternate Ulta Credit Cards For People With Bad Or No Credit?

Consumers with no credit history or bad credit should not use the card.

If you fall within this category of customers and are searching for an Ulta Near Me, Credit Card, you want to consider the Capital One Platinum credit card.

The Capital One Platinum card is among the finest for bad credit, as I often point out. There is no yearly charge, and after five consecutive on-time payments, the credit limit will automatically rise.

Due to the way credit ratings are determined, timely payments and a higher credit limit will raise your score. With Capital One Platinum, you won’t get any miles, cash-back, or sign-up incentives, but benefits are unnecessary while attempting to establish or restore your credit.

Conclusion: Should I Request An Ulta Credit Card?

I’ve examined several store-branded credit cards, and it was simple to advise them “No, don’t get it.”

I can’t say “No” to the Ultamate Rewards Mastercard merely because I know Ulta is a popular place for people to buy cosmetics and other beauty products near me.

So long as you use the card only for Ulta purchases, the card may make sense for avid consumers. By doing this, you may accrue Ultamate Rewards points and get perks that are more valuable than what you would get from a card that offers 2% cash back.

However, if you just seldom use Ulta, the card is a pass. Additionally, you should avoid applying for the Ultamate Rewards Mastercard if you want cashback that you may spend any way you like.

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