Where to pay your Ulta credit card bill
You can pay your Ulta credit card bill online through the Ulta Beauty website or the Ulta mobile app. Both routes take you to the same payment system run by Synchrony Bank, which issues the card. You'll need your card number and online account login to get your free guide.
If you don't have an online account yet, you can set one up at the Synchrony website (synchronybank.com) or through the Ulta app. Once your account is active, you can log in anytime to make a payment, check your balance, or view your statement.
You can also pay by phone by calling the customer service number on the back of your card, or by mailing a check to the address printed on your monthly statement. The online and app methods are fastest — payments typically post within one business day.
Key Takeaways
- Pay online through Ulta Beauty's website, the Ulta mobile app, or directly at synchronybank.com using your card number and account login.
- Phone payments go through Synchrony Bank customer service at the number on your card's back, and take the same time as online payments.
- Mailed checks should be sent to the address on your statement and typically take five to seven business days to post.
- Set up automatic payments through your online Synchrony account to avoid missing a due date.
- Your payment due date appears on your monthly statement, and late payments trigger interest charges and may hurt your credit score.
Paying through the Ulta website or app
Log into your Ulta Beauty account on the website or open the Ulta app, then look for a "Pay Bill" or "Make a Payment" link, usually in the account or settings section. You'll be directed to Synchrony's payment portal. Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use a debit card.
The system will show you the payment date (when the money leaves your account) and the posting date (when Synchrony records it as received). If you pay before 8 p.m. Eastern time on a business day, it usually posts the next day. Payments made after hours or on weekends post on the next business day.
Keep your confirmation number from the payment screen. You can use it to track the payment or contact Synchrony if there's a problem.
Paying directly through Synchrony Bank
Go to synchronybank.com and select "Make a Payment" or "Pay Your Bill." You'll log in with the same username and password you use for the Ulta app or website. If you haven't created a Synchrony account yet, you can do that on the same page — you'll need your card number, Social Security number, and date of birth.
Once logged in, you can choose to pay the full balance, the minimum payment, or a custom amount. Synchrony lets you schedule payments up to 30 days in advance, which is useful if you want to make sure a payment posts by a specific date. You can also set up a recurring monthly payment so the same amount comes out on the same day each month.
If you set up automatic payments, you can still log in anytime to make an extra payment or change the amount for the next cycle.
Phone and mail payment options
To pay by phone, call the number on the back of your Ulta credit card. A Synchrony representative will ask for your card number, the amount you want to pay, and your bank account or debit card details. Phone payments post on the same timeline as online payments — usually within one business day.
To pay by mail, write a check or money order payable to Synchrony Bank and send it to the address shown on your monthly statement. Include your account number or card number on the check so Synchrony can match it to your account. Mailed payments take longer — typically five to seven business days from the time Synchrony receives them. Mail your payment at least 10 days before your due date to be safe.
What happens if you miss a payment
If your payment doesn't post by the due date on your statement, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on how late it is.
If you miss a payment, contact Synchrony as soon as possible. Some cardholders can get a late fee waived if they call within a few days and have a good payment history. The sooner you bring the account current, the less damage it does to your credit.
If you're having trouble making the full payment, you can always pay the minimum amount by the due date to avoid a late fee, then pay the rest when you can. Only the full balance carries interest charges — the minimum payment stops the late fee but doesn't stop interest from building on the unpaid balance.
Setting up automatic payments
Log into your Synchrony account online or through the Ulta app and look for "Automatic Payments" or "Recurring Payments." You'll choose the amount (full balance, minimum payment, or a fixed dollar amount), the day of the month you want it to come out, and your bank account or debit card. Once it's set up, the payment happens automatically each month.
Automatic payments are the easiest way to avoid late fees — the money comes out on schedule whether you remember or not. You can change or cancel the automatic payment anytime by logging back into your account, so it's not a permanent commitment.
If you set up automatic payments for the full balance, your account will be paid in full each month and you'll pay no interest. If you set it for the minimum payment or a fixed amount, interest will accrue on the remaining balance.
Understanding your statement and due date
Your monthly statement shows your opening balance, all charges and payments from the past month, your new balance, your minimum payment, and your due date. The due date is usually 21 to 25 days after your statement closes. You can pay anytime before that date without a late fee.
Your statement also shows your interest rate (APR) and how much interest you've paid year-to-date. If you carry a balance month to month, interest is charged daily on the unpaid amount. Paying the full balance by the due date means no interest charges at all.
You can view your statement online through Synchrony or the Ulta app, or request paper statements by mail. Online statements are available as soon as your billing cycle closes, usually a few days before your due date.
Frequently Asked Questions
How long does an online payment take to show up?
Online payments typically post within one business day if you submit them before 8 p.m. Eastern time on a weekday. Payments submitted after hours or on weekends post on the next business day. You'll see a confirmation number when ready after you submit the payment.
Can I pay my Ulta credit card with a credit card?
No. Synchrony only accepts payments from a checking or savings account, or a debit card. Paying a credit card with another credit card is not allowed and would count as a cash advance on the new card, which carries higher interest rates and fees.
What if I pay more than I owe?
The overpayment becomes a credit on your account. You can use it toward your next purchase, or contact Synchrony to request a refund check. Refunds typically take five to seven business days.
Is there a fee to pay online?
No. Synchrony does not charge a fee for online, phone, or automatic payments. The only fees are late fees if you miss your due date, and interest if you carry a balance.
Can I change my due date?
Yes. Log into your Synchrony account online or through the Ulta app and look for "Account Settings" or "Billing." You can usually choose a due date between the 1st and the 28th of the month. The change takes effect on your next statement.