Pay Your Ulta Credit Card Bill


Bread Financial

The Ulta credit card, known as the Ultamate Rewards Mastercard or Ultamate Rewards Credit Card, offers great rewards like bonus points on Ulta purchases. But like any credit card, you need to pay your bill on time each month. Here’s a guide on how to pay your Ulta credit card bill online, by phone, or by mail.

Overview of Ulta Credit Cards

Ulta offers two different credit cards:

  • Ultamate Rewards Mastercard – Can be used anywhere Mastercard is accepted, including Ulta stores,, and Ulta at Target. Earns extra points on Ulta purchases.
  • Ultamate Rewards Credit Card – Can only be used at Ulta stores and Earns extra points on Ulta purchases. Cannot be used at Target.

Both cards are issued by Comenity Capital Bank and you can manage your account online at

How to Pay Your Ulta Credit Card Bill Online

Paying your Ulta credit card bill online is easy and free. Here are step-by-step instructions:

1. Go to

In your web browser, go to ↗.

2. Click “Manage Account”

Look for the blue “Manage Account” button and click it. This will take you to the Comenity Capital Bank website where you can access your Ulta credit card account.

3. Log In

If you already have an online account, enter your username and password and click “Log In.”

If you don’t have an account, click “Register for Online Access” and follow the prompts to create an account. You’ll need some personal information like your Social Security Number, date of birth, and Ulta credit card number.

4. Click “Make a Payment”

Once logged in, look for the “Make a Payment” link. Click it to go to the payment page.

5. Enter Payment Details

On the payment page, choose whether you want to pay the minimum, statement balance, or a custom amount.

Enter your payment info like bank account or debit/credit card details. You can also enroll in autopay.

6. Submit Payment

Double check that all information is correct, then click “Submit Payment.” You’ll get a confirmation page and receipt via email.

And that’s it! Your Ulta credit card payment will be processed and posted to your account within 1-2 business days.

How to Pay Your Ulta Credit Card Bill by Phone

You can also pay your Ulta credit card bill easily over the phone. Here’s how:

1. Call the Number on Your Card

The back of your Ulta credit card has a customer service phone number. Call this number to reach Comenity Capital Bank.

2. Provide Account Information

When prompted, enter your 16-digit Ulta credit card number. You may also need to provide personal information like your name, address, Social Security Number, or date of birth.

3. Select Payment Amount

Choose whether you want to pay the minimum, statement balance, or a custom amount. Say the dollar amount you wish to pay.

4. Provide Payment Details

Give your bank account information or details of the debit/credit card you want to use for payment.

5. Get a Confirmation Number

Make sure to write down the confirmation number for your records. This helps verify the payment went through correctly if any issues arise.

6. Payment Processes

Your Ulta credit card payment will process and post to your account within 1-2 business days.

Phone payments often incur a fee, so paying online is recommended if possible.

How to Pay Your Ulta Credit Card Bill by Mail

Sending your payment by mail is easy too. Just follow these steps:

1. Write Your Payment Check

Write a check (personal or cashier’s check) for the amount you wish to pay. Make it payable to “Comenity Capital Bank.”

2. Include Payment Stub

Include the payment stub from your Ulta credit card bill. This has important account details needed for payment processing.

3. Mail to Address on Stub

The payment address is listed on your bill stub. Mail your check and stub to this address. Common addresses are:

  • Comenity Capital Bank – Ulta Credit Card, PO Box 182273, Columbus, OH 43218
  • Comenity Capital Bank, PO Box 182120, Columbus, OH 43218

4. Allow Processing Time

Payments by mail take 5-7 business days to process. Mail at least 1 week before your due date.

5. Keep Records

Keep copies of your check, bill stub, and any tracking information. This helps if the payment gets lost or doesn’t process correctly.

Tips for Paying Your Ulta Credit Card Bill

Here are some tips and reminders when paying your Ulta credit card each month:

  • Pay by the due date – Late payments incur fees and interest charges. Avoid this by paying on time.
  • Pay online for fastest processing – Online and phone payments process quicker than mail.
  • Set up autopay – Autopay automatically pays at least the minimum each month, helping avoid late fees.
  • Check current balance – Log in online regularly to check your balance and see recent charges.
  • Update contact info – Keep your address, phone number, and email current so you get important account notices.
  • Review statement – Carefully review each statement for any fraudulent or incorrect charges.
  • Pay more than minimum – If carrying a balance, pay more than the minimum when possible to save on interest fees.
  • Contact support – If you have any payment issues or questions, call Ulta credit card customer service for help.

Other Ways to Manage Your Ulta Credit Card Account

In addition to making payments, here are other useful ways to manage your Ulta credit card account:

  • View statements online – Log in anytime to see your statements with all transaction details.
  • Check rewards points – See how many Ultamate Rewards points you’ve earned from purchases.
  • Update personal info – Keep your name, address, phone, and email up-to-date on your account.
  • Activate online access – Register your account on to manage it online.
  • Report lost/stolen card – Contact customer service immediately if your card is lost or stolen.
  • Request credit line increase – Ask for a higher limit once you’ve built good payment history.
  • Set up account alerts – Get text or email notifications for suspicious activity or important reminders.
  • Get new card – You’ll automatically get a replacement card before your current one expires.

Getting Help with Your Ulta Credit Card Account

If you ever have issues managing your Ulta credit card account, don’t hesitate to get help:

  • Call customer service – Talk to a customer service rep who can answer questions or resolve issues.
  • Check FAQs – The Ulta credit card website has lots of frequently asked questions and answers.
  • Email support – Reach out to customer support by email if you don’t need immediate help.
  • Visit an Ulta store – Store associates can look up your account and contact support on your behalf.
  • Chat online – Many account management sites offer live chat with a support agent.
  • Send dispute letter – Write to customer service if you see an error or fraudulent charge on your account.
  • Request manager callback – Ask for a supervisor if your issue requires more complex help.

As long as you pay on time, understand all the fees, and leverage the rewards, the Ulta credit card can be an excellent way to save money on beauty purchases. Follow this guide to easily pay your bill each month and manage your account hassle-free!

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