USES

Ultamate Rewards® Mastercard® Credit Card Review

Ultamate Rewards® Mastercard® from Comenity Bank — all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Ultamate Rewards® Mastercard® Comenity Bank
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Our Rating:
3.17 out of 5
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 2x Points for every $1 spent at Ulta Beauty.
    • 1x Point for every $3 spent outside of Ulta Beauty.
  • Intro Offer:
    • 500x Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty. Offer is exclusive to Ultamate Rewards® Mastercard® Credit card holders enrolled in the Ultamate Rewards® program.
    • 20% New cardholders will receive 20% off their first purchase.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    23.24% - 32.24% Variable
  • Balance Transfer APR:
    26.99%
Show more

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Comenity Bank Ultamate Rewards® Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Ulta Beauty
$
1X
All other purchases
$
Have you already recieved the Comenity Bank intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 2x For every $1 spent at Ulta Beauty.
    • 1x For every $3 spent outside of Ulta Beauty.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 23.24% - 32.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 26.99%
  • APR for Cash Advances
    • 33.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Payment Flexibility
  • Rewards
  • Bonus points
  • Fair Credit

About the issuer

Comenity Bank
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

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Destiny® Mastercard® First Electronic Bank
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Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
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Recommended credit score
score
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  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
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First Progress Platinum Select Mastercard® Secured Synovus Bank
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Recommended credit score
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  • $39
    Annual Fee
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    Purchase Intro APR
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See Another Credit Cards in the Bank

Comenity Bank Ultamate Rewards® Mastercard® is an option for those, who need Classic features. With an APR of 23.24% - 32.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair (580-669) credit score. With Comenity Bank Ultamate Rewards® Mastercard® you will get such features as No Annual Fee, Payment Flexibility, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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