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The explanation of the benefits offered on the card.
List of perks and benefits for the Ulta Mastercard. Calculate total Ulta Rewards Points based on your spend at Ulta and compare against top rewards cards.
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.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
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.
Ulta Rewards Points Chart - Value
Points
Discount
Point Value
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.
Rewards Calculator
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.
Rewards Calculator
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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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AU Auth Fee
The authorized user fee of the selected credit card.
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Currency Worth
The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses
Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
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Subtotal
This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses
This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees
This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total
The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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