How to pay your Ulta Beauty account
Ulta Beauty offers several ways to pay your account balance, depending on whether you have an Ulta Credit Card, a regular purchase, or an outstanding balance. You can pay online through your Ulta account, by phone, by mail, or in store. The method you choose depends on what's most convenient for you and how quickly you need the payment to post.
If you have an Ulta Credit Card issued by Comenity Capital Bank, payments go to that card's account, not to Ulta directly. If you made a purchase with a debit card, credit card, or other payment method, that transaction is typically final at checkout. This section covers how to handle each situation.
Key Takeaways
- Ulta Credit Card payments are sent to Comenity Capital Bank, the card issuer, not to Ulta Beauty itself.
- You can pay your Ulta Credit Card online at Comenity's website, by phone at the number on your card, or by mail to the address listed on your statement.
- Online payments through Comenity typically post within one to two business days, while mail payments take seven to ten business days.
- If you made a one-time purchase with a debit or credit card at Ulta, you cannot change or reverse that payment through Ulta — you must contact your card issuer.
- In-store payments for Ulta Credit Card balances are not available; you must use online, phone, or mail methods.
Paying your Ulta Credit Card balance online
To pay your Ulta Credit Card online, you log into your account on Comenity's website, not Ulta's. Comenity Capital Bank manages the card account, so all payments and account management happen there. Go to Comenity's cardholder portal, enter your username and password, and select the payment option.
You can choose to pay your full balance, your minimum payment, or a custom amount. Comenity allows you to schedule a one-time payment or set up automatic payments on a date you choose each month. Online payments typically post within one to two business days, though Comenity may take up to three business days depending on when you submit the payment.
If you do not have a Comenity account set up yet, you can create one on their website using your card number and other identifying information. You will need your Ulta Credit Card number, Social Security number, and date of birth to register.
Paying by phone or mail
You can pay your Ulta Credit Card by calling the customer service number on the back of your card. A representative will take your payment information over the phone. Phone payments typically post within one to two business days. Have your card number and the amount you want to pay ready before you call.
To pay by mail, send a check or money order to the address listed on your monthly statement. Write your card number on the check. Mail payments take seven to ten business days to post, so send your payment well before your due date if you want to avoid late fees. Keep a copy of your check or money order for your records.
What to do if you made a one-time purchase
If you bought something at Ulta with a debit card, credit card, or other payment method and the transaction went through at checkout, that payment is complete. You cannot reverse it through Ulta. If you need to dispute the charge, return the item, or get a refund, contact Ulta customer service — they can process a return or issue a refund to your original payment method.
If you believe the charge was made in error or was unauthorized, contact your card issuer directly. They can investigate the transaction and may reverse the charge if fraud is confirmed. Ulta cannot undo a completed payment; only your bank or card company can do that.
Late payments and past-due balances
If your Ulta Credit Card payment is late, Comenity will charge a late fee and may report the late payment to credit bureaus. The amount of the late fee depends on your card terms, which are listed in your cardholder agreement. A late payment can lower your credit score and affect your ability to borrow money in the future.
If you have a past-due balance, contact Comenity as soon as possible to discuss your options. They may offer a payment plan or other arrangements depending on your situation. The sooner you address a past-due balance, the less damage it will do to your credit.
Automatic payments and payment scheduling
Comenity allows you to set up automatic monthly payments from a bank account or debit card. You choose the payment date and the amount — you can pay your full balance, your minimum payment, or a fixed amount each month. Automatic payments reduce the risk of missing a due date and can help you stay on top of your balance.
You can also schedule one-time payments for a specific date in the future. This is useful if you know you will have money available on a certain date but want to make sure the payment posts by your due date. Both automatic and scheduled payments are set up through Comenity's website or by phone.
Frequently Asked Questions
Where do I send my Ulta Credit Card payment?
Payments go to Comenity Capital Bank, not to Ulta. The mailing address is on your monthly statement. You can also pay online at Comenity's website or by calling the number on your card.
How long does it take for my payment to show up?
Online and phone payments typically post within one to two business days. Mail payments take seven to ten business days. Comenity may take up to three business days for online payments depending on when you submit them.
Can I pay my Ulta Credit Card in the store?
No. Ulta stores do not accept credit card payments. You must pay online through Comenity's website, by phone, or by mail.
What happens if I pay late?
Comenity will charge a late fee and may report the late payment to credit bureaus, which can lower your credit score. Contact Comenity right away if you cannot pay by your due date to discuss options.
Can I get a refund if I paid for something I returned?
Yes. Contact Ulta customer service to process your return. They will issue a refund to your original payment method. Refunds typically take five to seven business days to appear in your account.