Ultamate Rewards® Mastercard® Credit Card Review
Ultamate Rewards® Mastercard® from Comenity Bank — all information about the credit card.
Updated December 18, 2023
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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%
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Comenity Bank Ultamate Rewards® Mastercard® Rewards Calculator
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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
Pros & Cons
Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee
Features
- No Annual Fee
- Payment Flexibility
- Rewards
- Bonus points
- Fair Credit
About the issuer
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
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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.