The Ultamate Rewards Mastercard is a solid pick for beauty lovers who regularly shop at Ulta. It offers points on purchases both in-store and everywhere Mastercard is accepted, making it easy to rack up rewards fast.
But before you apply, it’s important to know what credit score you’ll need—and what steps can help improve your chances of getting approved.
Recommended Credit Score for the Ulta Credit Card
Most people who get approved for the Ulta credit card have a credit score of 640 or higher. That lands in the “fair” range, which means the bar isn’t sky-high—but approval isn’t guaranteed either.
Comenity Bank, the card’s issuer, will also look at your income, existing debts, and payment history. Even with a decent score, things like recent late payments or maxed-out credit cards can still lead to a denial.
What Else Matters for Approval?
Your credit score plays a big role, but Comenity Bank also looks at:
- Income – A steady income helps show that you can handle another credit account.
- Debt levels – Too much existing debt can raise red flags for lenders.
- Negative marks – Items like collections, missed payments, or bankruptcies can hurt your application.
Tips to Improve Your Approval Odds
If you’re thinking about applying for the Ulta credit card, take a few steps first to make your profile stronger:
Review Your Credit Reports
Check all three credit bureaus for errors or outdated information. Dispute anything that doesn’t belong to you or is listed incorrectly.
Keep Your Payment History Clean
Pay every bill on time. Even one late payment can drag your credit score down and hurt your chances of approval.
Pay Down Balances
High credit utilization makes lenders nervous. Try to keep your usage below 30% of your available credit.
Space Out New Credit Applications
Avoid applying for multiple credit cards or loans within a short period. Too many inquiries can lower your score.
Increase Your Income
If you can boost your income before applying—through a raise, promotion, or side gig—it can help strengthen your application.
Fix Your Credit Before Applying
If your credit score is under 640 or you’re dealing with negative items like charge-offs or collections, it may be smart to take care of those first. Credit Saint helps clients challenge inaccurate marks and clean up their credit reports.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started. If you want to improve your odds of getting the Ultamate Rewards Mastercard, visit their website and take the first step today.
