Comenity Capital

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.

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.

You can pay your Bealls Florida Credit Card either online or over the phone at (855) 233-7078. Alternatively, you can make a payment through EasyPay, at any Bealls store location, or via mail.

Here's how you can pay your Bealls Florida Credit Card:

• Online: Log in to your online account and click on “Make a Payment”.
• Phone: Call  (855) 233-7078 and follow the automated prompts to make a payment.
• EasyPay: You can also make a payment through EasyPay. This way, you can pay securely without setting up an account. You will only need to provide your credit card number, ZIP code, and the last 4 digits of your Social Security Number.
• In-store: Visit any Bealls store location and go to the customer service desk during regular business hours in order to make a payment.
• Via mail: You can send a check or money order (but not cash) to the following address:
   
  Comenity Bank
  P.O. Box 182273
  Columbus, OH 43218-2273

Keep in mind that sending a payment by mail is the slowest option available. If you choose to use it, make sure to post it at least 5-7 days before your due date to avoid any late fees.

It is also worth noting that the issuer allows Bealls Florida Credit Card members to set up automatic payments, as well.

A credit score of 640+ is needed for the Victoria's Secret Credit Card; this means you need at least fair credit to get this card.

It is also worth noting that, apart from your credit score, various other factors will be taken into account for your approval. Your credit history, income and any debt you might have will also determine the outcome of your application.

Ultimately, you can check your credit score for free on WalletHub to get a better sense of where you stand.

You can only use your Express Credit Card at Express stores, or for online purchases on their website. Since the Express Credit Card is a store credit card, it can only be used at the retailer it is affiliated with.

Alternative Credit Card Option

If you're looking for a credit card that can be used anywhere, you should consider getting the Macy's Credit Card. This card can be used anywhere American Express is accepted. In addition, this card offers 2 - 5 points per $1 spent at Macy's (based on Member level), 3 points per $1 at restaurants including food delivery, 2 points per $1 at gas stations & supermarkets, and 1 point per $1 on all other purchases. 

However, this card requires at least good credit for approval. So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.

Your BJ's Credit Card approval odds are high if you have good credit or better (a credit score of 700+). You'll also have high approval odds if you receive a pre-approved offer from BJ's in the mail, or if you get pre-qualified for the card at a BJ's location.

If you have a high annual income and a record of on-time payments, you might get approved with less-than-good credit. There are reports of people getting approved for the BJ's Credit Card with credit scores as low as 630.