Bread Financial

Ulta Beauty Rewards® Credit Card Program

$0 Annual Fee

29.99% Variable Purchase APR

670+ Recommended FICO

Points Reward Type

Rewards

Reward TypePoints

Base Rate0.33x / 0.33%

Bonus RateUp to 3x

Point Value~0.06¢ each

ExpirationPoints expire at the end of the calendar quarter approximately one year from the date earned. Platinum and Diamond members' points do not expire while they maintain status.

Redemption NotesPoint value varies based on redemption tier, from 3 cents per point for 100 points to 6.25 cents per point for 2000 points.

Category	Rate	Type	Cap
Ulta Beauty Purchases	2x	Points	No cap
All Other Purchases On purchases everywhere else Mastercard is accepted	0.33x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
First Purchase Discount Receive a discount on your first Ulta Beauty purchase when you open and use your Ulta Beauty Rewards Credit Card.	Credits	20% off
No Annual Fee There is no annual fee charged for maintaining the Ulta Beauty Rewards Credit Card account.	Financial	$0 Up to $0
Everyday Purchase Rewards (Visa Card) Earn points for every dollar spent on eligible purchases made everywhere Visa is accepted. This benefit applies only to the Ulta Beauty Rewards Visa Credit Card.	Rewards	1 point per $3
Ulta Beauty Purchase Rewards Earn points for every dollar spent on eligible purchases made at Ulta Beauty stores, Ulta.com, and through the Ulta Beauty app.	Rewards	2 points per $1
Ulta Beauty Rewards Redemption Points earned through the Ulta Beauty Rewards Credit Card program can be redeemed for discounts on future purchases at Ulta Beauty.	Rewards	Varies by redemption
Fraud Protection Protection against unauthorized charges made to your Ulta Beauty Rewards Credit Card account.	Security	Complimentary
Zero Fraud Liability You are not held responsible for unauthorized charges made with your Ulta Beauty Rewards Credit Card.	Security	Complimentary

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, fraudulent activity, failure to pay.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Bread Financial (Comenity) generally does not enforce strict application velocity rules or bonus restrictions like 'once-per-lifetime' or '48-month rules' for its store cards. Bonus eligibility is typically tied to new account opening and often involves an immediate discount or points offer on the first purchase.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Bread Financial

Annual Fee

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APR 29.99% Variable

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