Ulta Beauty Review by Comenity Bank

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An Ultimate rewards credit card or the Ultimate rewards Mastercard was just introduced by Ulta Comenity. This Mastercard can be used anywhere Mastercard is accepted, whereas the credit card can only be used inside the Ulta store (it should be called a store card). The two cards have the following characteristics.

Cards’ Attributes

First-purchase discount of 20%. Free annually. Ulta Comenity gives one point per $1.

The Mastercard gives 1x points per each $3 spent outside of Ulta Beauty & 500 Welcome points for spending $500 outside of Ulta Beauty within 90 days.

A Disappointing Aspect Of Beauty: Ulta Credit Cards

I don’t use or buy any makeup. Therefore, everything I’ve said about the Ulta Comenity Ultimate Rewards Mastercard could be wrong. However, after looking over the Ulta Mastercard’s perks, I can see that, unless Ulta is your main source for cosmetics or other beauty-related purchases, this card is essentially useless.

What You Need To Know About Ulta Credit Card Features

Ulta provides two credit cards: the Ultimate Rewards Mastercard and the Ulta Comenity Rewards credit card. Let’s quickly cancel the Ultimate Rewards credit card. It can only be used in Ulta Beauty stores or online at Ulta.com because it is a store-only card. This card gives you access.

Offers for the Ultimate Rewards Mastercard

Each dollar spent at Ulta Comenity stores and Ulta earns you two points. 20 percent off your initial purchase. The entire number of benefits is indicated here. Starting with 100 points, or $3, you can use them to purchase Ulta merchandise. The points have no other purpose. We’ll get back to redemption value shortly. But let’s start with Ultimate Rewards Mastercard since the benefits are different from one another.

Mastercard with Ultimate Comenity Rewards

Since it is a regular credit card that may be used anywhere Mastercard is accepted, the Ultimate Rewards Mastercard differs from the Ultimate Rewards credit card. These benefits come with this Mastercard:

A 20 percent discount on your first purchase. Spending $1 at an Ulta Beauty store or online earns you two points. Every 3 dollars spent elsewhere earns you one point. After spending $500 from outside Ulta in the first three months, you’ll receive 500 Welcome Bonus points, which are worth $17.50 in Ulta purchases.

Advantages Of Ulta Credit Cards

This is entirely depending on how frequently you purchase cosmetics. If Ulta is your go-to store for all of your cosmetic and beauty requirements, the Ultimate Rewards Mastercard is probably a great choice. And the Ultimate Rewards Mastercard is vastly preferable to the Ultimate Rewards credit card unless you’re the ultimate Ulta Comenity shopper.

Considering that the Ultimate Rewards credit card only offers two points for every dollar spent, Mastercard offers 3 points for every dollar spent. Additionally, it enables you to accrue points for all of your typical daily transactions.

Only used at Ulta, the Ultimate Rewards Mastercard

You will accrue rewards more quickly if you use a Mastercard. As a frequent Ulta customer, the Ultimate Rewards credit card is consequently out of the question. An Ultimate Rewards Mastercard can be used only at Ulta, which is a significant drawback. For daily purchases that are unrelated to beauty, it is not a card that makes a lot of sense.

Other credit cards that offer better cashback opportunities, including the Citi® Double Cash Card – 18-month BT offer or the Capital One Savor, are superior to one point for each $3 spent.

To be clear, I’m not trying to be kind when I say that you must be the ideal Ulta Comenity customer.

Only Use Ultimate Points for Ulta Items

Ultimate points can only be used to purchase Ulta products at the checkout. Your points cannot be exchanged for cashback that may be used for purchases like food or travel or for anything else. They are only valid for Ulta Beauty purchases. For those who frequently buy at Ulta, this is not necessarily a negative thing because using an Ulta Comenity card will earn you more Ultimate Rewards than using a conventional cash-back credit card.

With the Ultimate Rewards Mastercard, $100 at Ulta

You may earn 200 Ultimate Rewards Mastercard points, worth $6 when you spend $100 at Ulta. With a credit card that gives 2% cash back on purchases, you would get $2 for every $100 spent. The value of Ultimate Rewards differs from what you would get from a credit card that offers a 2 percent payback in direct proportion to how much you spend there.

Alternative Credit Cards From Ulta For People With No Credit

Customers with a poor credit history or no credit history are not eligible for the Ulta Comenity credit card. Choose the Capital One Platinum credit card if you are one of these customers looking for a credit card.

The Capital One Platinum card is among the best credit cards for people with bad credit, as I regularly mention. There is no yearly fee, and after five consecutive on-time payments, the credit limit is automatically doubled.

Ulta’s Process for Earning Credit Scores

Your credit score will rise as a result of your on-time payments and raised credit limit because of the way credit ratings are calculated. Capital One Platinum does not provide miles, cash-back, and sign-up bonuses, but rewards are not what you need if you’re working to repair or enhance your credit.

The Most Efficient Credit Cards

BT offers 18 months for the Citi® Double Cash Card. There are a lot of credit cards that provide a significantly better return than Ulta Mastercard for purchases made outside of Ulta Comenity.

Conclusion Regarding Ulta Beauty by Comenity

On purchases made at Ulta, this card offers a maximum Ulta Coupon $10 Off $40 percent back or a minimum of 3 percent back. The shopping cart ruse doesn’t seem to apply to this card (but it may work for the store card). Selecting a card that offers 2 percent or more cash back on all purchases is advantageous for all other purchases.




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