The Ulta Card is a store credit card issued by Comenity Bank, and you pay it the same way you pay any credit card — online, by phone, by mail, or in person at an Ulta store.

Your bill arrives monthly and shows what you owe, when it's due, and the minimum payment required. You can pay the full balance, the minimum, or anything in between. Paying in full by the due date means you won't owe interest. Paying less than the full balance carries an interest charge on the remaining amount.

The card works at Ulta Beauty stores and online at Ulta.com. You can also use it at Ulta's partner locations, which include some Target stores. Outside those places, it won't work — it's not a Visa or Mastercard.

Key Takeaways

  • You can pay your Ulta Card bill online through your Comenity account, by calling the customer service number on your statement, by mailing a check, or in person at an Ulta store.
  • The due date appears on your monthly statement, and paying by that date without interest requires paying the full balance.
  • Setting up automatic payments from your bank account can prevent missed due dates and late fees.
  • The Ulta Card charges interest on balances you don't pay in full, so the longer you carry a balance, the more you pay overall.

Paying Online Through Your Comenity Account

Log in to your Comenity account at comenity.com or through the Ulta Beauty app. You'll need your card number and the password you created when you opened the account. If you haven't set up online access yet, you can register using your card number and Social Security number.

Once logged in, select "Make a Payment" and enter the amount you want to pay. You can pay from a checking or savings account (which takes one to two business days) or use a debit card (which processes immediately but may carry a fee). Review the payment amount and due date before confirming.

Online payments typically post within one to two business days. If your due date is coming up soon, aim to pay at least three business days early to make sure it arrives on time.

Paying by Phone or Mail

The customer service number for Ulta Card payments appears on your monthly statement. Call that number and have your card and bank account information ready. A representative will walk you through the payment process and can answer questions about your balance or due date.

To pay by mail, write a check or money order payable to Comenity and include your account number on the check. Mail it to the address shown on your statement. Mail payments take longer to arrive and post — typically five to seven business days — so send them well before your due date if you want to avoid a late fee.

Paying in Person at Ulta

You can walk into any Ulta Beauty store and make a payment at the register. Bring your card or account number and the amount you want to pay. The store accepts cash, debit cards, and other credit cards for payment toward your Ulta Card balance.

In-store payments post to your account within one to two business days. This option works well if you're already shopping or if you prefer to handle payments face-to-face.

Setting Up Automatic Payments

Log into your Comenity account online and look for the "Autopay" or "Automatic Payment" option. You can set it to pay a fixed amount each month, the minimum payment, or the full balance automatically on a date you choose.

Automatic payments remove the risk of forgetting a due date and incurring a late fee. If you set it to pay the full balance each month, you'll never carry interest charges. You can change or cancel automatic payments anytime through your online account.

Understanding Your Statement and Due Date

Your monthly statement shows the statement closing date (when the billing period ends), the due date (when payment must arrive), and the minimum payment required. It also lists every purchase you made during that month and any interest or fees charged.

The due date is typically 21 to 25 days after the statement closing date. Payments received after 5 p.m. Eastern Time on the due date are considered late. A late payment triggers a fee (the amount varies) and may raise your interest rate.

If you can't pay the full balance, paying at least the minimum keeps your account in good standing. However, any balance you don't pay will be charged interest at the card's annual percentage rate (APR), which you can find on your statement or in your account online.

What Happens If You Miss a Payment

A payment that arrives after the due date triggers a late fee and is reported to credit bureaus, which can lower your credit score. If you're more than 30 days late, your interest rate may increase. If you're 60 days late, the card issuer may freeze your account and demand full payment of the balance.

If you know you'll miss a due date, contact Comenity customer service before the date arrives. They may be able to work with you on a payment plan or waive a late fee if this is your first miss. Waiting until after you're late makes negotiation much harder.

Frequently Asked Questions

Can I pay my Ulta Card with another credit card?

No. Comenity does not accept credit card payments for your Ulta Card bill. You can pay with a debit card online, or with cash or a debit card in person at an Ulta store, but not with another credit card. Paying a credit card with another credit card typically carries high fees anyway.

How do I know if my payment went through?

Log into your Comenity account and check your payment history. You should see the payment listed with the date it was processed. If you paid by mail or phone, allow three to five business days before checking. You can also call customer service to confirm.

What if I pay more than I owe?

The extra amount becomes a credit on your account and will be applied to your next bill. You can also request that Comenity send you a refund check, though this takes longer. Contact customer service to arrange a refund if you prefer.

Is there a penalty for paying early or paying in full?

No. You can pay your balance at any time without penalty. Paying early or in full actually saves you money because you avoid interest charges. There's no benefit to waiting until the due date if you have the funds available.

Can I change my due date?

Yes. Log into your Comenity account or call customer service to request a different due date. They typically allow you to move your due date once per year. Changing your due date can help align the payment with when you get paid or manage your budget better.