Ulta Credit Card Calculator

List of perks and benefits for the Ulta Credit Card. Calculate total Ulta Rewards Points based on your spend at Ulta and compare against top rewards cards.
Updated 2021-02-20 By Robert Flowers III

The Ulta Credit Card, also known as the Ulta Store Card, is a network-less credit card that can only be used in-store or online with Ulta. It earns at the same rate as the Mastercard version in terms of Ulta spend and is just as good an option. The only thing you're missing out on by not having the Mastercard is the ability to use it outside of Ulta, but the card only earns 1 point per $3 spent on non-Ulta spend so (in my opinion) you're not missing out on anything.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Ulta Credit Card can only be used in-store and online with Ulta. There's 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.

Perks & Benefits

The Ulta Credit Card does not feature any benefits that are specific to the card itself.

Sign Up Bonus

The standard sign up bonus for the Ulta Credit Card 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.


Annual Fee

The Ulta Credit Card does not have an annual fee.

Authorized User Fee

The Ulta Credit Card does not have an authorized user fee. You can add additional family and friends to your account to help build points faster if they frequently shop at Ulta.

Foreign Transaction Fee

The Ulta Credit Card cannot be used outside of Ulta, so a foreign transaction fee does not apply.

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.

Credit Card
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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
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.
Add Categories
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.
Type at least 3 characters.
Currently Selected:
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
Cash Value
Cash value of Total Earnings based on Currency Worth.

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.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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