What the Ulta Mastercard is and how to pay it

The Ulta Mastercard is a store credit card issued by Comenity Bank that you can use at Ulta Beauty stores and online. Like any credit card, you receive a monthly statement showing what you owe, and you make payments to that account. The card earns rewards on Ulta purchases — the exact rewards rate depends on whether you are a regular cardholder or an Ulta Beauty Rewards member — but the payment process works the same way regardless.

You can pay your Ulta Mastercard balance online through your account, by phone, by mail, or in person at an Ulta store. Most cardholders pay online because it is the fastest and gives you a record of the transaction when ready. The payment due date appears on your statement each month, and paying by that date keeps you from incurring interest charges on your balance.

Key Takeaways

  • You can pay your Ulta Mastercard online at the Comenity Bank website, by calling the customer service number on the back of your card, by mailing a check, or in person at an Ulta Beauty store.
  • Online payments typically post to your account within one to two business days, while mail payments take longer and should be sent at least ten days before your due date.
  • Your monthly statement shows your minimum payment due and your full balance, and paying only the minimum means you will pay interest on the remaining balance.
  • You can set up automatic payments from your bank account so your Ulta Mastercard payment is made on the same day each month without you having to remember.
  • If you miss a payment, contact Comenity Bank as soon as possible, because late fees and interest charges begin to accrue after your due date passes.

Paying online through Comenity Bank

The most common way to pay is through the Comenity Bank website. Go to comenity.com, select "Pay My Bill," and log in with the username and password you created when you first opened your account. If you have not set up an online account yet, you can create one using your card number and the last four digits of your Social Security number.

Once you are logged in, you will see your current balance and your minimum payment due. You can choose to pay the minimum, pay your full balance, or pay a custom amount. Select the payment amount, choose the date you want the payment to be made, and confirm. Online payments typically post within one to two business days. You will receive a confirmation number when ready that you can save or print as proof of payment.

Paying by phone or mail

If you prefer not to pay online, you can call the customer service number on the back of your Ulta Mastercard. A representative will ask for your account information and the amount you want to pay, and they can process the payment over the phone. Phone payments are usually posted within one to two business days, the same as online payments.

To pay by mail, write a check for the amount you owe, include your account number on the check, and mail it to the address shown on your statement. Mail payments take longer to process — typically five to seven business days after the payment is received — so you should send your payment at least ten days before your due date to make sure it arrives on time. Always keep a record of what you mailed and when.

Paying in person at Ulta Beauty

You can also walk into any Ulta Beauty store and make a payment at the register. Tell the cashier you want to make a payment on your Ulta Mastercard, and they will process it for you. In-store payments are typically posted within one to two business days.

This option works well if you are already shopping at Ulta and want to handle your payment in person. However, it is not faster than paying online, and you will not receive an when ready confirmation number the way you do with online payments. If you choose to pay in store, ask the cashier for a receipt showing the payment amount and date.

Setting up automatic payments

If you want your payment made on the same day each month without having to remember, you can set up automatic payments through your Comenity Bank account. Log in to comenity.com, go to the payment settings, and choose "Automatic Payments." You can set the payment to occur on a date you choose each month, and you can decide whether to pay a fixed amount or your full statement balance.

Automatic payments are useful if you want to make sure you never miss a due date, but you should still check your statement each month to make sure the payment went through and that your balance is what you expected. If your balance changes unexpectedly or if you need to skip a payment in a particular month, you can cancel or modify the automatic payment through your account.

Understanding your statement and minimum payment

Your Ulta Mastercard statement arrives each month and shows your opening balance, all purchases and credits from the previous month, your new balance, your minimum payment due, and your payment due date. The minimum payment is usually a small percentage of your balance — often around 1 to 3 percent — and is the smallest amount you can pay without incurring a late fee.

If you pay only the minimum, you will owe interest on the remaining balance at the card's annual percentage rate (APR). The APR for the Ulta Mastercard varies depending on your creditworthiness and current market rates, so check your statement or account for your specific rate. Paying your full balance each month means you will not owe any interest, which is the most cost-effective way to use the card.

What to do if you miss a payment

If your payment does not arrive by the due date, your account will be considered late. Comenity Bank will charge a late fee — the amount depends on your account terms — and will begin charging interest on your balance if you have not paid it in full. Your credit score may also be affected if the late payment is reported to the credit bureaus.

If you realize you have missed a payment, contact Comenity Bank right away by calling the number on the back of your card. Explain your situation and ask what options are available. Some cardholders are able to have a late fee waived if they have a good payment history and contact the bank quickly. The sooner you pay, the less interest will accrue on your balance.

Frequently Asked Questions

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

No, credit card companies do not allow you to pay a credit card balance with another credit card. You can pay with a debit card, bank transfer, check, or cash, but not with another credit card. Paying with a debit card or bank transfer is the fastest method.

What happens if I pay more than I owe?

If you pay more than your current balance, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request that Comenity Bank refund the overpayment to your bank account. Contact customer service to request a refund if you prefer.

How long does it take for a payment to show up on my account?

Online and phone payments typically post within one to two business days. Mail payments take five to seven business days after they are received, so plan accordingly. If you need your payment to post by a specific date, online payment is your fastest option.

Can I change my payment due date?

Yes, you can request a different due date through your Comenity Bank account or by calling customer service. You can usually choose any date between the 1st and the 28th of the month. Changing your due date can help you align your payment with your paycheck or other bills.

What if I want to pay off my entire balance at once?

You can pay your full balance at any time using any of the payment methods available — online, phone, mail, or in person. Paying off your balance in full stops interest from accruing and can help you manage your debt. Just make sure you have paid all pending transactions before you close the account.