How to Pay Your Ulta Beauty Bill

Ways to pay your Ulta bill

You can pay your Ulta bill online through your account, by phone, by mail, or in person at an Ulta store. The method you choose depends on what's fastest for you and whether you want to set up automatic payments. Most people pay online because it takes a few minutes and you can see your balance and payment history right away.

Ulta offers a store credit card through Synchrony Bank, and that card is what you're paying when you get an Ulta bill. The payment methods available to you depend on whether you're paying the full balance, making a minimum payment, or setting up a recurring payment.

Key Takeaways

• Online payment through your Synchrony account is the fastest method and shows your current balance and due date when ready.
• Phone payments to Synchrony take about five minutes and work if you have your card number and bank account or debit card ready.
• Mail payments take seven to ten business days to reach Synchrony, so send them at least two weeks before your due date to avoid late fees.
• Automatic payments can be set up through your Synchrony account to pay a fixed amount or your full balance on the same date each month.
• In-store payments at Ulta locations are possible but less common; ask a cashier whether your store accepts them, as this varies by location.

Paying online through Synchrony

Log in to your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Enter your card number or the email address linked to your account. Once you're logged in, you'll see your current balance, minimum payment due, and due date.

Click "Make a Payment" and choose whether to pay the full balance, the minimum payment, or a custom amount. Enter your bank account information or debit card details. Synchrony will show you the payment date — usually the same or next business day if you pay before 8 p.m. Eastern time. Confirm the payment and you'll receive a confirmation number when ready.

If you don't have an online account set up yet, you can create one at mysynchrony.com by entering your card number, Social Security number, and date of birth. This takes about five minutes.

Paying by phone

Call Synchrony's customer service line at 1-866-396-8254. Have your Ulta card number ready, along with your bank account routing and account number or a debit card number. A representative will ask you to verify your identity, then walk you through the payment amount and date.

Phone payments are processed the same day if you call before 8 p.m. Eastern time on a business day. If you call after hours or on a weekend, your payment will be scheduled for the next business day. You'll receive a confirmation number at the end of the call.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your Ulta card number on the check. Mail it to the address printed on your bill statement — this address changes based on which processing center handles your account, so always use the address on your most recent bill.

Mail payments typically take seven to ten business days to arrive and be posted to your account. To avoid a late fee, mail your payment at least two weeks before your due date. Keep a copy of the check or money order for your records.

Setting up automatic payments

Log into your Synchrony account and select "Manage Autopay" or "Automatic Payments." Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. Select the date you want the payment to come out — this can be any day between the 1st and the 28th.

Synchrony will deduct the payment from your bank account or debit card on that date each month. You can change or cancel automatic payments anytime through your account. If you set up autopay for your full balance, you'll avoid interest charges as long as you don't make new purchases after the payment posts.

In-store payments at Ulta

Some Ulta Beauty locations accept bill payments at the register, though this is not available at every store. Call your local Ulta store directly to ask whether they take Synchrony card payments. If they do, bring your card and the amount you want to pay.

In-store payments are posted to your account within one to two business days. This method is useful if you're already shopping and want to make a quick payment, but it's not faster than paying online.

What to do if you miss a payment

If your payment is late, Synchrony will charge a late fee — the amount depends on your card terms, but it's typically $25 to $39. A late payment also appears on your credit report and may increase your interest rate on future purchases.

If you miss a payment, pay as soon as you can. Contact Synchrony at 1-866-396-8254 to discuss your options. Some cardholders can request a one-time late fee waiver if it's your first missed payment, though this is not may provide. The sooner you pay, the less interest will accrue on your balance.

Frequently Asked Questions

Can I pay my Ulta bill with a different credit card?

No. You must pay your Synchrony Ulta card bill using a bank account or debit card. You cannot pay with another credit card, whether online, by phone, or by mail. This is a standard rule for most credit card issuers.

How long does it take for an online payment to show up?

Online payments typically post within one business day. If you pay before 8 p.m. Eastern time on a business day, it usually shows in your account by the next morning. Payments made after 8 p.m. or on weekends are processed the next business day.

What if I pay more than I owe?

Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, or request a refund by calling 1-866-396-8254. Refunds are mailed to your address on file and take five to seven business days to arrive.

Can I set up automatic payments for just part of my balance?

Yes. When you set up autopay, you can choose to pay your full balance, your minimum payment, or enter a custom fixed amount. If you choose a custom amount, that same amount will be deducted each month regardless of your balance.

Is there a fee to pay my bill?

No. Synchrony does not charge a fee for any payment method — online, phone, mail, or in-store. The only charge you'll face is a late fee if your payment arrives after the due date.