The fastest way to pay your Ulta credit card is through Ulta Beauty's website or mobile app, where you can make a one-time payment or set up automatic payments from your bank account.
Ulta Beauty issues its credit card through Comenity Bank, which handles all payments. You can pay online in minutes without calling customer service or visiting a store. The payment goes to Comenity, not to Ulta itself, so you need to know where to log in and what information to have ready.
You have three main routes: pay through Ulta's website, pay through Comenity's cardholder portal directly, or set up automatic payments so the bill is paid on its own each month. Each route works the same day or next business day, depending on when you submit the payment.
Key Takeaways
- Log into your Ulta Beauty account on Ulta.com or the Ulta app, go to your card settings, and make a one-time payment from there.
- You can also log into Comenity's cardholder portal at Comenity.com to pay directly, which is useful if you do not have an Ulta Beauty account.
- Automatic payments can be set up through either Ulta or Comenity and will deduct from your bank account on a date you choose each month.
- Payments submitted before 8 p.m. Eastern time on a business day usually post the same day; weekend and holiday payments post the next business day.
Paying through Ulta Beauty's website or app
Start by going to Ulta.com on a computer or opening the Ulta Beauty app on your phone. Log in with your email address and password. If you do not have an Ulta Beauty account yet, you will need to create one — this is separate from your credit card account, though they are linked once you sign up.
Once you are logged in, look for "My Account" or a similar menu option, then find "Credit Card" or "Ulta Credit Card." This section will show your current balance, due date, and payment history. Click the button to make a payment. Enter the amount you want to pay and confirm the bank account you want the money to come from. You can pay your full balance, the minimum payment, or any amount in between.
After you submit, you will see a confirmation number on screen. Write it down or take a screenshot. The payment will post within one business day, though most payments made before 8 p.m. Eastern time on a weekday post the same day.
Paying through Comenity's cardholder portal
If you prefer to skip Ulta's website and pay directly through the bank, go to Comenity.com. Click "Log In" and enter your card number and PIN (or set up a login if this is your first time). You will land on your account dashboard, which shows your balance and due date.
Select "Make a Payment" or "Pay Now." Choose whether you want to pay from a checking or savings account, enter the routing number and account number, and specify the amount. Comenity will ask you to confirm the payment details before it processes. Once confirmed, you will receive a confirmation number.
Paying through Comenity directly is useful if you have lost access to your Ulta Beauty account or prefer to manage all your credit cards in one place. The payment timeline is the same as paying through Ulta — same-day posting for weekday submissions before 8 p.m. Eastern time.
Setting up automatic payments
Automatic payments mean your bill is paid on a schedule you set, without you having to log in each month. You can set this up through either Ulta or Comenity. Through Ulta, go to your credit card settings and look for "Automatic Payments" or "AutoPay." Through Comenity, log in and find the same option in your account menu.
You will choose a day of the month for the payment to be deducted from your bank account — usually between the 1st and the 28th. You can also choose whether to pay your full balance, your minimum payment, or a fixed dollar amount each month. Once it is set up, the payment will happen automatically on that date every month until you turn it off.
Automatic payments are a way to avoid late fees and missed payments. If you set it to pay your full balance each month, your credit card will never carry a balance and you will not pay interest. If you set it to a fixed amount, make sure that amount is at least your minimum payment, or you could still be late.
What to do if your payment does not post
If you submitted a payment and it has been more than two business days, log back into your account and check the payment status. Most payment systems show whether a payment is pending, posted, or failed. If it shows as failed, the bank account information may have been incorrect, or there may not have been enough money in the account.
If the payment shows as pending after two business days, contact Comenity at the number on the back of your card. Have your confirmation number ready. If you paid through Ulta and the payment failed, you can also contact Ulta customer service, though they will likely direct you to Comenity for the actual payment issue.
If a payment was rejected because of insufficient funds, you can resubmit it once you have added money to your account. There is no penalty for resubmitting a failed payment, but if your account is now past due, you may owe a late fee. Contact Comenity to ask whether the late fee can be waived if you pay right away.
Paying by phone or mail if you cannot pay online
If you do not have internet access or prefer not to pay online, you can call Comenity at the number on the back of your Ulta credit card. A representative can take your payment over the phone using your bank account information. Phone payments process the same way as online payments — same day if you call before 8 p.m. Eastern time on a business day.
You can also mail a check to the address listed on your monthly statement. Write your card number on the check and mail it to the payment address shown on your bill. Mailed payments take 7 to 10 business days to arrive and post, so mail a check only if you have that much time before your due date.
Understanding payment posting and due dates
Your due date is the last day of the month shown on your statement, or a specific date each month if you requested a different cycle. A payment is considered on time if it posts by 11:59 p.m. Eastern time on the due date. Payments submitted online or by phone before 8 p.m. Eastern time on a business day usually post the same day, so you have a small window of safety even on the due date itself.
If you pay after the due date, you may be charged a late fee. The amount of the late fee depends on your card terms, but it is usually between $25 and $40 for the first late payment. If you are more than 30 days late, the late payment will be reported to the credit bureaus and can lower your credit score.
If you are going to be late, contact Comenity before the due date and ask about your options. Some cardholders can request a due date change or a one-time late fee waiver, depending on their account history.
Frequently Asked Questions
Can I pay my Ulta credit card at an Ulta store?
No, Ulta stores do not accept credit card payments in person. You must pay online through Ulta.com or Comenity.com, by phone, or by mail. Ulta store associates can help you find the payment information, but they cannot process the payment themselves.
What if I want to pay more than my balance?
You can pay more than your balance, and the extra amount will show as a credit on your account. You can use that credit toward future purchases or request a refund. If you request a refund, it will be sent back to the bank account you paid from within 7 to 10 business days.
Do I need to pay the full balance or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. The minimum is listed on your statement. If you pay only the minimum, the rest of your balance will carry over to next month and you will owe interest on it. Paying the full balance each month means you will not pay any interest.
Is there a fee to pay my credit card online?
No, there is no fee to pay your Ulta credit card online through Ulta.com, the Ulta app, or Comenity.com. Paying by phone may have a fee depending on the payment method — ask when you call.
What happens if I miss a payment?
If you miss a payment, you will be charged a late fee and your interest rate may increase. After 30 days late, the missed payment will be reported to the credit bureaus and will lower your credit score. If you realize you will be late, contact Comenity right away to discuss your options.