Ulta is a chain of beauty stores with salons on site. As a result, it sells a wide range of products that should appeal to both men and women, including, but not limited to, cosmetics, skin care products, and hair products. Because of this, interested individuals may want to check out the Ulta credit card, which, as the name suggests, is meant to be more useful to Ulta customers. Here are 10 benefits to be gained by becoming an Ulta credit card user:
1. Ease of use
There are numerous payment methods that can be found out there. Each has its own advantages and disadvantages, which means that each is better suited to particular people in particular circumstances than to others. As a result, credit cards have their weaknesses, but they certainly offer exceptional ease of use for both online and offline purchases.
2. Peace of mind
Speaking of which, it’s worth noting that credit cards also tend to have excellent security, which is perhaps not surprising considering the fears people have about credit card fraud. Suffice it to say, this security can protect credit card users from a wide range of potential problems, as well as limit the consequences should something happen despite those precautions.
3. Easily available funds
In addition to this, credit cards offer readily available funds, which is something that cannot be obtained through non-renewable forms of credit. This means greater convenience because interested individuals can borrow money until they reach their credit limit for purchases of their choice.
4. Better credit score
Smart credit card users will make their payments on time and keep their balances low when possible, which can have a very positive effect on your credit score. Since the credit score is the most popular method of measuring a person’s creditworthiness, this can mean better interest rates, as well as more lenient borrowing conditions down the road.
5. Two options
Ulta offers not one, but two credit cards. The two options are similar in some respects, but it is important to note that one is of limited use at Ulta stores, while the other can be used where a Mastercard can be used. Because of this, interested people have more options, which should increase their chances of choosing the one that best suits their particular interests.
6. Save on the first purchase
Both Ulta credit cards offer interested persons a special 20 percent discount on their first Ulta Beauty purchase. This encourages interested people to spend, but it is not necessarily a bad thing because 20 percent can mean a good amount of savings if they plan their purchase.
7. Potential bonus points
Speaking of which, Ulta Ultimate Rewards Mastercard comes with a second introductory offer in the form of 500 reward points that can be collected by the credit card user as long as they spend $ 500 on purchases that have nothing to do with Ulta Beauty. This can be an excellent perk for people looking to capitalize on the rewards program as much as possible.
8. Rewards program
Given the above, it should come as no surprise to learn that Ulta Ultimate Rewards Mastercard comes with a rewards program. However, it is worth mentioning that the other Ulta credit card also has one. In short, both credit cards award 2 points for every $ 1 spent on Ulta Beauty. However, the Ulta Ultimate Rewards Mastercard card awards 1 additional point for every $ 3 spent on non-Ulta Beauty related purchases.
9. No annual fee
Neither of the two Ulta credit cards has an annual fee. Mainly, this is good because not having an annual fee means lower costs. However, it should be mentioned that this can also change the incentives to spend with credit cards, which can have a surprisingly large impact on people’s credit card usage patterns. In this case, no annual fee is good because it means that people won’t be forced to make more use of the credit card to make the fee worthwhile.
10. Can be used in the store without being transported
Interestingly, it is possible to use an Ulta credit card for in-store purchases even if the credit card user has not brought the credit card. Of course, they are expected to provide identification and enter certain information to …