Earn 2X points at Ulta and 1X/$3 everywhere else

Ulta Beauty Rewards™ Mastercard®: Calculator & Points Breakdown

Fees

Earning Rates

Earn 2X points for every $1 spent at Ulta Beauty.
Earn 1X point for every $3 spent outside of Ulta Beauty.

Our Take

The Ulta Rewards Mastercard is a fantastic card if you frequently shop at Ulta. 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.

Last Updated: 04-12-2025

Ulta Mastercard Points Calculator

Use this calculator to estimate how many Ulta Rewards points you’ll earn with the Ulta Rewards Mastercard®. Earn 2 points per $1 spent at Ulta Beauty and 1 point per $3 spent everywhere else. Plus, receive a welcome bonus and extra perks when you first open the card.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Ulta Beauty Rewards™ Mastercard® Details

Earning Rates

The Ulta Rewards Mastercard earns Ulta Rewards points at the following rates:

2 points for every $1 spent at Ulta Beauty. That's 1 point for being a Rewards member and 1 point for using the credit card to pay.
1 point for every $3 spent outside of Ulta Beauty.

Rewards Value & Calculator

Loading Info

Fees

Annual Fee

The Ulta Rewards Mastercard has no annual fee.

Foreign Transaction Fee

The Ulta Rewards Mastercard has a 3% foreign transaction fee. This means that you will be penalized when using the card outside of the United States.

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Use Our Calculator To Maximize Your Rewards

Discover personalized credit card options that match your spending habits and maximizes your rewards.

View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!

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Ulta Beauty Rewards™ Mastercard®: Calculator & Points Breakdown

Fees

Earning Rates

Our Take

Ulta Mastercard Points Calculator

Card Details All links open in new tab (so you will not lose your calculations).

Edit Card Details

Edit Card Name

Quick Assign

Currency Codes

Currency Name

Add Status / Loyalty

Clear / Remove...

Clear Spend

Remove Credit Card Selections

Remove All Categories

Card Select

Currency Controls

Currencies

Currency Conversions

Set Column Currency

Credit Cards

Currency Worth

Memberships / Loyalty

Spend Categories

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Ulta Beauty Rewards™ Mastercard® Details

Earning Rates

Rewards Value & Calculator

Fees

Annual Fee

Foreign Transaction Fee

Ulta Rewards Points Calculators & Guides

Ulta Rewards Points Value Calculator

Calculator: Ulta Beauty Rewards™ Mastercard®

Calculator: Ulta Beauty Rewards™ Credit Card

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