Where to log in and pay your Ulta credit card bill
The Ulta Credit Card is issued by Comenity Capital Bank, not by Ulta Beauty directly. This means you pay your bill through Comenity's website or mobile app, not through Ulta's main site. You can set up an account at comenity.com, or download the Comenity mobile app to manage your card from your phone.
When you first received your Ulta Credit Card, you should have gotten a welcome packet with instructions for creating your online account. If you did not receive one, or if you have lost the information, you can start fresh by going to comenity.com and selecting "Enroll Now" or "Register" — the exact wording changes occasionally, but the enrollment link is always on the homepage.
You will need your card number, Social Security number, and date of birth to set up your account. Once your account is active, you can log in anytime to view your balance, make a payment, set up automatic payments, or download statements.
Key Takeaways
- Your Ulta Credit Card account is managed through Comenity Capital Bank at comenity.com, not through Ulta Beauty's website.
- You can pay your bill online, through the Comenity mobile app, by phone at the number on your card, or by mail using the payment coupon in your statement.
- Setting up automatic payments through your Comenity account prevents missed due dates and late fees.
- If you forget your password, use the "Forgot Password" link on the Comenity login page to reset it by email or security questions.
How to make a one-time payment online
Log into your Comenity account and look for a button labeled "Make a Payment" or "Pay Now" — it is usually on the main dashboard after you sign in. Click it and you will be taken to a payment screen where you enter the amount you want to pay.
You can pay from a checking or savings account (ACH transfer), or by debit card. If you use a debit card, Comenity may charge a fee — the fee amount appears on the payment screen before you confirm, so you can see the cost upfront. ACH transfers from a bank account typically have no fee and take one to two business days to post.
After you submit your payment, you will see a confirmation number. Write it down or take a screenshot. Your payment should appear on your account within one to two business days, though it may take longer if you pay close to your due date.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to make sure your bill gets paid on time every month. In your Comenity account, look for "Autopay," "Automatic Payments," or "Recurring Payments" — the exact name varies. Click it and you will be asked to choose a payment date and an amount.
You can set up autopay to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Most people choose to pay the full balance so they do not carry interest charges month to month. You can change or cancel your autopay settings anytime through your account.
Set your payment date for a few days before your due date, not on the due date itself. This gives the payment time to process and post to your account. If your payment does not post by your due date, you could be charged a late fee even though you sent the money.
Other ways to pay if you cannot use the website
If you prefer not to pay online, you have other options. The back of your Ulta Credit Card has a customer service phone number you can call to make a payment over the phone. A representative will ask for your card number and the amount you want to pay, and will process the payment immediately.
You can also mail a check or money order to the address shown on your monthly statement. Include your account number or the payment coupon that comes with your statement so Comenity knows which account to credit. Mail payments take longer to arrive and post — typically five to seven business days — so send them well before your due date.
What to do if you forget your Comenity password
On the Comenity login page, click "Forgot Password" or "Forgot Your Login?" You will be asked to enter your card number and either answer security questions or receive a password reset link by email. The email option is usually faster.
If you do not receive the reset email within a few minutes, check your spam folder. If it is not there, call the customer service number on the back of your card and a representative can help you regain access to your account.
Understanding your statement and due date
Your Ulta Credit Card statement closes on a set date each month — usually the same date every month, though it can vary slightly. Your due date is typically 21 to 25 days after your statement closes. Both dates appear at the top of your paper statement and in your online account.
If you pay only the minimum amount due, you will be charged interest on the remaining balance at the card's annual percentage rate (APR). The APR for the Ulta Credit Card varies based on your creditworthiness and current market rates. You can see your current APR in your account or on your statement.
Paying your full statement balance by the due date means you pay no interest. If you cannot pay the full balance, paying as much as you can above the minimum still reduces the interest you owe.
Frequently Asked Questions
Is there a fee to pay my Ulta Credit Card online?
There is no fee if you pay from a checking or savings account using ACH transfer. If you pay by debit card, Comenity charges a fee that you will see before you confirm the payment. The fee is usually a small percentage of the amount you are paying.
How long does it take for my payment to show up?
Payments made online typically post within one to two business days. Payments made by phone post the same day. Mailed payments take five to seven business days. Always pay several days before your due date to make sure your payment posts on time.
Can I pay my Ulta Credit Card through the Ulta Beauty app or website?
No. Ulta Beauty's app and website do not have a payment portal for the credit card. You must use Comenity's website or app. You can use your Ulta Credit Card to make purchases through Ulta Beauty, but payments go through Comenity only.
What happens if I miss my due date?
A late fee will be charged to your account, usually $25 to $35 depending on your card terms. Your APR may also increase. If you miss a payment, log into your Comenity account and pay as soon as you can. Contact Comenity if you have questions about the fee.
Can I change my due date?
Some card issuers allow you to request a different due date. Call the customer service number on the back of your card and ask if Comenity offers this option. If they do, a representative can walk you through the process.