Pay your Ulta credit card bill through Synchrony's website or mobile app
The Ulta Credit Card is issued by Synchrony Bank, so you make payments directly to Synchrony rather than to Ulta Beauty. You can pay online through Synchrony's website, through their mobile app, or by phone. The fastest route is logging into your Synchrony account at synchronybank.com and making a one-time payment, which posts within one business day.
You'll need your account number and routing information to set up online payments. If you don't have your account number, you can find it on your credit card statement or by logging into your Synchrony account. Synchrony also lets you set up automatic payments so your bill is paid on the same date each month, which helps you avoid late fees.
Key Takeaways
- Log into your Synchrony account at synchronybank.com to make a one-time payment or set up automatic payments.
- One-time payments typically post within one business day, but you should submit payment at least three business days before your due date to avoid a late fee.
- You can also pay by phone by calling the number on the back of your card or by mailing a check to the address on your statement.
- Setting up automatic payments removes the risk of forgetting a payment, though you should still review your statement each month to catch errors.
Steps to pay online through Synchrony
Go to synchronybank.com and click "Log In" at the top of the page. Enter your username and password. If you don't have an online account yet, you'll need to create one by providing your card number, Social Security number, and date of birth.
Once you're logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies depending on which version of the site you're using. Select your Ulta credit card account if you have multiple cards. Enter the amount you want to pay and choose your payment method: you can pay from a bank account (which is free) or from a debit card (which may have a fee). Review the payment date and confirm.
Synchrony will show you a confirmation number. Write it down or take a screenshot. The payment will post to your account within one business day, though it's safer to assume two business days and submit payment at least three business days before your due date.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. In your Synchrony account, look for "Manage Automatic Payments" or "AutoPay." You can choose to pay your full statement balance, a fixed amount, or just the minimum payment. Select the day of the month you want the payment to come out — many people choose the day after they get paid.
Synchrony will deduct the payment from your bank account automatically on that date each month. You can change or cancel automatic payments anytime by logging back into your account. Even with automatic payments turned on, you should still check your statement each month to make sure the charge is correct and catch any fraudulent activity.
Paying by phone or mail
If you prefer not to pay online, you can call the number on the back of your Ulta credit card to speak with a Synchrony representative. They can process a payment over the phone using your bank account or debit card. Phone payments typically post within one to two business days.
You can also mail a check to the address shown on your statement. Write your account number on the check and mail it to the payment address listed on your bill. Mailed payments take longer to post — usually five to seven business days — so send your check well before your due date to avoid a late fee.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony will charge a late fee. The amount depends on your account terms, but it's typically $25 to $35 for the first late payment. A late payment also appears on your credit report and can lower your credit score.
If you realize you're going to miss a payment, call Synchrony as soon as possible. They may be able to work with you on timing or waive a fee if it's your first late payment and you have a good payment history. The sooner you contact them, the more options you may have.
Checking your balance and statement
You can check your current balance anytime by logging into your Synchrony account. Your statement is available online starting a few days before your due date. Synchrony also sends paper statements by mail unless you've chosen paperless statements.
Review your statement each month to make sure all charges are ones you made. If you see something you don't recognize, contact Synchrony right away. Disputing a charge is easier when you report it quickly, and Synchrony has a process for investigating unauthorized transactions.
Frequently Asked Questions
How long does it take for an online payment to post?
One-time payments made through Synchrony's website typically post within one business day. However, you should submit payment at least three business days before your due date to be safe, in case there are any delays or processing issues.
Can I pay my Ulta credit card through the Ulta app or website?
No. The Ulta Beauty app and website do not process credit card payments. You must pay through Synchrony Bank, which issues the card. You can access Synchrony at synchronybank.com or through their mobile app.
Is there a fee to pay my Ulta credit card online?
There is no fee to pay from a bank account. Paying with a debit card may have a fee, which Synchrony will disclose before you confirm the payment. Automatic payments from a bank account are also free.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund by calling Synchrony, though they may keep the credit on your account instead.
Can I change my automatic payment date?
Yes. Log into your Synchrony account, go to "Manage Automatic Payments," and select a new date. The change takes effect on your next payment cycle. Make sure you choose a date that gives you enough time to have funds in your bank account.