Yes, you can use your Ulta Credit Card virtually everywhere in the world that accepts credit cards, as this card is on the Mastercard network. Keep in mind, though, that this card has a 3% foreign transaction fee, which means you will incur extra charges for international purchases.
The Ulta Credit Card offers 2 points per $1 spent at Ulta Beauty and 1 point per $3 spent on all other purchases. The card also has a $0 annual fee. So, it’s a good option for people who shop a lot at Ulta Beauty.
Things to know about the store version of the Ulta Credit Card:
Yes, Ulta does have a credit card. It comes in two forms: the Ulta Store Card that can only be used at Ulta and the Ulta Credit Card that works everywhere. Both Ulta credit cards are issued by Comenity Bank and offer the same perks on Ulta purchases. This includes 20% off your first purchase. And neither charges an annual fee. But the Ulta Credit Card rewards you for purchases made elsewhere, too. It also requires a higher credit score than the Ulta Store Card, which you can get with fair credit.… read full answer
Here’s what you’ll get from the Ulta credit cards:
Both cards get you 20% off your first purchase and 2 points / $1 spent at Ulta.
Neither card has an annual fee.
The Ulta Credit Card gives you 0.33 points / $1 spent elsewhere. It also has an initial bonus of 20% off your first purchase at Ulta Beauty, plus 500 points for spending $500 outside of Ulta Beauty in the first 90 days.
You can apply for an Ulta cards in-store at checkout or online. There’s only one application, so Comenity Bank decides whether you get the Ulta Credit Card or the Ulta Store Card.
It’s possible to get instantly approved in-store or online. If you’re approved in-store, you can use your account right away for a purchase. Customers approved online may also look up their account in-store before their card arrives. But you can’t make a purchase online before you get your card.
Points expire at the end of the quarter one year after you earned them. For example, if you earned points in January 2022, they would expire on March 31, 2023.
The points you earn in a month show up within five business days of your statement closing.
You generally need good credit to get the Ulta Credit Card and fair credit to get the Ulta Store Card.
If you’re a frequent Ulta customer, getting an Ulta Store Card could definitely be a good idea. But the Ulta Credit Card isn’t so great for other purchases. So it’s best to use a different rewards card for non-Ulta spending.
The best store credit card that can be used anywhere is the Amazon.com Credit Card. With this card you can earn 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases.
What You Should Know Before Applying for a Store Credit Card
Store credit cards that can be used anywhere are known as open-loop cards. Usually, the traditional store cards can only be used for store-related purchases. However, retailers will sometimes offer a store card linked to a credit card network such as … read full answerMastercard or Visa.
Open-loop cards tend to have stricter requirements for approval than their store credit counterparts. You'll typically need good credit or better to qualify. These cards can also earn significant benefits when used outside of the store. At the same time, they still enjoy all the perks and discounts that come with in-store and online purchases.
Here are the best store credit cards that can be used anywhere:
The Amazon.com Credit Card offers $50 Amazon.com gift card upon approval ($100 for Prime members). Plus, you can earn 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases. The card has a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Costco Credit Card you can earn 4% cash back on eligible gas (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases. The card has a $0 annual fee with a paid Costco membership. It requires a credit score of 750, at a minimum. That means you need excellent credit for approval.
With the Walmart Credit Card you can earn 5% cash back in Walmart stores using Walmart Pay for the first 12 months, 5% back on Walmart.com purchases, 2% back at Walmart stores and fuel stations, 2% back on restaurant and travel purchases, and 1% back on all other purchases. The card has a $0 annual fee. It requires a credit score of 640, at a minimum. That means you need fair credit or better for approval.
The Sam's Club® Credit Card offers $30 statement credit after spending $30 in the first 30 days. Plus, you can earn 5% cash back on gas (up to $6,000 spent per year), 3% back on dining, takeout and on Sam’s Club purchases for Plus members, and 1% back on all other purchases (up to $5,000 earned in cash back rewards per year). The card comes with a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Nordstrom Credit Card you can receive a $60 Note when you make any purchase with Nordstrom. Plus, you can earn 1 - 2 points / $1. The card has a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
With the Best Buy® Credit Card you can earn 2.5 points per $1 spent on Best Buy purchases, 1.5 points per $1 spent at gas stations, 1 point per $1 spent at restaurants, bars and grocery stores, and 0.5 points per $1 spent on all other purchases. The card comes with a $0 annual fee. It requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Store credit cards that can be used anywhere offer more flexibility than traditional store credit cards, but unless you want supplemented rewards at a specific store, you may still find more value with a general rewards card.
With the Citi® Double Cash Card – 18 month BT offer, for instance, you can earn 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). Alternatively, the Bank of America® Customized Cash Rewards credit card gives 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases. Plus, it offers $200 for spending $1,000 in the first 90 days.
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