Calculate Points For The Ulta Rewards Credit Card

Ulta Rewards Calculator
Find out how many Ulta Rewards Points you can earn with the Ulta Rewards credit card based on spend and calculate the cash value of those earned points.
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Last Updated 2021-02-20

The Ulta Ultamate Rewards 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 Ultamate Rewards Mastercard 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 you're not missing out on anything.

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

Rewards Rate Details

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

Ulta Rewards Points Chart

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.

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

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
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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

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.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
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.
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Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2


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.
Card 1
Card 2

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.
Card 1
Card 2

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.
Card 1
Card 2

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.
Card 1
Card 2

Ulta Credit Card Points Calculators

Click on a card to calculate how much Ulta Rewards points you can earn with the card based on spend. If cookies are enabled, spend entered into credit card calculators will roll over to other calculators on the site.

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