The Ulta Mastercard is a great card for anyone looking to maximize their earnings in the Ultamate Rewards program. It offers an additional 1 point per $1 spent on top of what you normally earn meaning you're looking at a minimum of a 6% return on your Ulta spend on the lowest of redemptions and as high as 13% if you cash out on Ulta's 2,000-point redemptions. You can get even higher value if you have Ulta Platinum or Ulta Diamond status as well.
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Rewards Rate Details
The Ulta Mastercard features one bonus category which is spending at Ulta. There's no limit to the amount of Ulta Rewards Points you can earn spending at Ulta and no limit to the amount of Ulta Rewards Points you can earn spending on the card overall.
- 1x Ulta
- Card is marketed as earning 2 points per $1 spent, but you're really just earning 1 additional point on top of what you would normally earn as an Ulta Rewards member.
- 1x/$3 Non-Category
- You'll earn 1 Ulta Rewards Points for every $3 in non-Ulta spend ran across the card.
Perks & Benefits
The Ulta Mastercard does not feature any benefits that are specific to the card itself.
Ulta Rewards Points Value
The value of Ulta Rewards Points depends on how many you redeem at once. The table below lays out the value based on the increment redemptions set forth by Ulta.
|100 Points||$3 Off||3 cents|
|250 Points||$8 Off||3.2 Cents|
|500 Points||$17.50 Off||3.5 Cents|
|750 Points||$30 Off||4 Cents|
|1,000 Points||$50 Off||5 Cents|
|2,000 Points||$125 Off||6.25 Cents|
The calculator below has then set to 3.5 cents per point, but you can set the value to any of the above options based on how you plan on redeeming them.
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.