The best time to apply for the Ulta card is if you have an upcoming beauty haul, have a shopping cart with a hefty total price, or are a basic Ultamate Rewards member looking to spend your way to the higher membership tiers.

Once approved, new cardholders will be able to use their card immediately without having it physically on hand. In addition to being able to start earning 2X points from the get-go, you will also receive a 20% coupon via email (which can be used for your first purchase or at a later date). Although the Ulta credit card eans points on non-Ulta purchases, it's not recommended.

This card performs quite poorly for earning Ulta coupons through everyday purchases like gas, groceries, or dining. The Ulta Mastercard requires spending $3 to earn a single point when using your card outside of Ulta stores and discourages use of the card elsewhere (after earning the signup bonus of course). Once you've spent $500, the best use of the Ulta credit card is solely for funding your purchases at Ulta Beauty.


How to Get the Most Out of Ultamate Rewards® Mastercard® Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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This store-branded card earns rewards when you shop at not just Neiman Marcus, but also Bergdorf Goodman, Last Call, and Horchow, for no annual fee. If you spend at least $1,000 in a year you can take advantage of free two-day shipping for online orders.
Ultamate Rewards® Mastercard® Credit Card
Full ReviewThe Ulta Credit Card is a $0 annual fee rewards credit card for people who want to save money on Ulta Beauty products and services. It offers 20% off your first Ulta purchase made with the card, plus ongoing rewards of 2 points per $1 spent at Ulta. The Mastercard version of the Ulta Cred
OnlineVisit Ulta.com and find the Ultamate Rewards Credit Card at the bottom of the page.Click the link and then click Apply now.Fill out the application form.Review the form and submit.
Rewards20% off all products and services on your first purchase at Ulta Beauty.Enjoy 500 Welcome Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty.Earn 2 points for every $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.Members who spend $500 betw
By PhoneGather your credit card and payment information, including your card number or Social Security number, your bank account information and the amount you want to pay.Call Comenity Capital Bank services at 866-257-9195.Follow the automated prompts to schedule your payment.OnlineCreate your logi