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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.
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.
Sign Up Bonus
The standard sign up bonus for the Ulta Mastercard is 20% off all products and services on your first Ulta Beauty purchase. This is a one time offer and excludes gift cards.
You can use the Percent Off Calculator to calculate 20% off any price to get an idea of how much you can save with this sign up bonus.
Fees
Annual Fee
The Ulta Mastercard does not have an annual fee.
Authorized User Fee
The Ulta Mastercard does not have an authorized user fee. If you have friends or family that shop at Ulta, I recommend adding them as authorized users to help build your rewards faster.
Foreign Transaction Fee
The Ulta Mastercard has a foreign transaction fee of 3%. I do not recommend using this card outside of the United States since this fee will eat away at your rewards faster than you can earn them.
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.
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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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Currency Worth
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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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
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$0
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Currency Worth
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.
$
Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
Annual Fee:
$
Auth Fee:
#
$0
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
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.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0
$0
Rakuten Rewards
$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
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