10 Benefits of Having an Ulta Credit Card

Ulta is a chain of beauty stores with on-site salons. As a result, it sells a wide range of products that should prove interesting to both men and women, which include but are not limited to cosmetics, skincare products, and hair care products. Due to this, interested individuals might want to check out the Ulta credit card, which as its name suggests, is intended to be most useful for Ulta customers. Here are 10 benefits that can be had by becoming an Ulta credit card user:

1. Ease of Use

There are numerous payment methods that can be found out there. Each one possesses its own upsides and downsides, meaning that each one is better-suited to particular people under particular circumstances than the others. As a result, credit cards have their weaknesses, but there can be no doubt about the fact that they offer exceptional ease of use for making both online and offline purchases.

2. Peace of Mind

Speaking of which, it is worth noting that credit cards tend to come with excellent security as well, which is perhaps unsurprising considering the fears that people have about credit card fraud. Suffice to say that this security can protect credit card users from a wide range of potential problems as well as limit the consequences should something happen in spite of those precautions.

3. Readily Available Funds

On top of this, credit cards offer readily available funds, which is something that can’t be had via non-revolving forms of credit. This means increased convenience because interested individuals can borrow money until they hit their credit limit for the purchases of their choice.

4. Better Credit Score

Smart credit card users will make their payments on time and keep their balances low when possible, which can have a very positive effect on their credit score. Since the credit score is the single most popular method for gauging a person’s creditworthiness, this can mean better interest rates as well as more lenient borrowing conditions in the time still to come.

5. Two Choices

Ulta offers not one but two credit cards. The two options are similar in some regards, but it is important to note that one is limited for use in Ulta stores while the other can be used wherever a Mastercard can be used. Due to this, interested individuals have more choice, which should increase their chances of making the one that is better-suited to their particular interests.

6. Save on First Purchase

Both Ulta credit cards offer interested individuals a special discount of 20 percent on their first purchase from Ulta Beauty. This encourages interested individuals to spend, but it isn’t necessarily a bad thing because 20 percent can mean a fair amount of savings should they plan out their purchase.

7. Potential Bonus Points

Speaking of which, the Ulta Ultimate Rewards Mastercard comes with a second introductory offer in the form of 500 reward points that can be collected by the credit card user so long as they spend $500 on purchases that have nothing to do with Ulta Beauty. This can be an excellent head start for people seeking to capitalize on the rewards program as much as possible.

8. Rewards Program

Given the above, it should come as no surprise to learn that the Ulta Ultimate Rewards Mastercard comes with a rewards program. However, it should be mentioned that the other Ulta credit card has one as well. In short, both credit cards award 2 points per $1 spent at Ulta Beauty. However, the Ulta Ultimate Rewards Mastercard awards an additional 1 point per $3 spent on non-Ulta Beauty-related purchases.

9. No Annual Fee

Neither one of the two Ulta credit cards have an annual fee. Primarily, this is good because no annual fee means lower costs. However, it should be mentioned that this can change the incentives for spending using the credit cards as well, which can have a surprisingly large impact on people’s credit card use patterns. In this case, no annual fee is good because it means that people won’t be pushed to make more use of the credit card for the sake of making the fee worthwhile.

10. Can Be Used In-Store without Being Carried

Interestingly, it is possible to use an Ulta credit card for in-store purchases even if the credit card user hasn’t brought the credit card with them. Of course, they’ll be expected to provide ID as well as enter some information to make sure that they are really who they are claiming to be before being able to complete the transaction.


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