Where to pay your Ulta credit card bill
You can pay your Ulta credit card through three main channels: online through the cardholder portal, by phone, or by mail. The online portal is the fastest option and lets you see your balance and payment history when ready. Phone payments take a few minutes and connect you to a representative who can answer questions about your account. Mail payments take 7 to 10 business days to reach the processor, so plan ahead if you choose this method.
Your Ulta credit card is issued by Comenity Capital Bank, which handles all billing and payments. When you set up your account online, you create a login that gives you access to your current balance, due date, and transaction history. This same portal is where you make online payments and set up automatic recurring payments if you want them.
Key Takeaways
- Online payments through the cardholder portal process the same day and are the fastest way to pay.
- You can call the customer service number on the back of your card to make a payment by phone without logging in.
- Automatic payments can be set up through the online portal and will deduct from your bank account on your chosen date each month.
- Mail payments should be sent at least 10 days before your due date to avoid late fees.
- Your minimum payment and full balance are shown on your monthly statement and in your online account.
Paying online through the cardholder portal
Go to the Ulta Beauty credit card website and log in with your username and password. If you don't have an account yet, you'll need your card number and Social Security number to register. Once logged in, select "Make a Payment" or "Pay Now" — the exact wording depends on which version of the site you're using.
Enter the amount you want to pay and choose the bank account you want the payment drawn from. You can pay your full balance, your minimum payment, or any amount in between. Online payments are processed the same day if submitted before the cutoff time, which is usually 8 p.m. Eastern Time. The payment will show in your account within 24 hours.
Paying by phone
Call the customer service number printed on the back of your Ulta credit card. A representative will ask for your card number and the amount you want to pay. They'll also ask which bank account to draw the payment from. You don't need to log into anything online — the representative handles the entire transaction over the phone.
Phone payments process the same day if you call before the cutoff time. Have your bank account information ready when you call. If you're paying from a different bank account than the one on file, the representative will confirm the routing number and account number before processing.
Setting up automatic payments
Automatic payments deduct money from your bank account on the same date each month, so you never miss a due date. Log into your online account, go to the "Payments" or "Billing" section, and select "Set Up Automatic Payment" or "Autopay." Choose the date you want the payment to come out each month — most people pick the date they get paid or a few days before their due date.
You can choose to pay your full balance, your minimum payment, or a fixed dollar amount each month. If you choose to pay your full balance automatically, the payment amount will change each month based on what you owe. You can change or cancel automatic payments anytime through your online account without calling customer service.
Paying by mail
Write a check or money order for the amount you owe and include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" or "Send Payment To." Do not mail payments to an Ulta Beauty store location — they go to a processing center that handles all Comenity Capital Bank credit cards.
Mail payments take 7 to 10 business days to arrive and be posted to your account. To avoid a late fee, mail your payment at least 10 days before your due date. If you're close to your due date, use online or phone payment instead. Keep a record of when you mailed the payment in case there's a question about whether it arrived on time.
What happens if you miss a payment
A late fee is charged if your payment arrives after your due date. The amount of the late fee depends on your account terms, but it's typically $25 to $40 for the first late payment. If you miss a payment by 30 days or more, the late payment will appear on your credit report and may affect your credit score.
If you realize you'll miss a due date, contact customer service before the date passes. Some accounts have a grace period of a few days, and the representative can tell you whether yours does. Paying even a small amount before the due date is better than paying nothing, because it shows you're trying to stay current.
Frequently Asked Questions
How do I find my due date?
Your due date is printed on your monthly statement and shown in your online account under "Account Summary" or "Billing Information." It's usually the same date each month. If you set up automatic payments, you can choose a date that works better for your budget.
Can I pay more than my minimum payment?
Yes. You can pay any amount from your minimum payment up to your full balance. Paying more than the minimum reduces the interest you pay over time and lowers your balance faster. There's no penalty for paying early or paying more than required.
What if I don't have online access?
Call the customer service number on the back of your card to make a payment by phone, or mail a check to the address on your statement. You can also ask a representative to help you set up your online account during the call.
Is there a fee for paying online or by phone?
No. Ulta and Comenity Capital Bank don't charge a fee for online or phone payments. Mail payments are also free, though they take longer to process.
What if I want to dispute a charge on my bill?
Contact customer service at the number on your statement or in your online account. Have your statement handy and be ready to describe the charge you're questioning. The representative will explain the dispute process and what information you need to provide.