How to contact Ulta Beauty credit card support
Ulta Beauty's credit card is issued by Comenity Capital Bank, so customer service calls go to Comenity, not directly to Ulta. The phone number on the back of your card connects you to Comenity's support team, which handles billing questions, payment issues, fraud reports, and account changes. Call that number first — it's the fastest route for most account problems.
If you have a question specific to Ulta's rewards program or how points work with the card, you can also contact Ulta directly through their website or in-store, but Comenity handles the credit card itself. Knowing which company handles what saves time when you call.
Key Takeaways
- Comenity Capital Bank issues the Ulta Beauty credit card, so you call Comenity's number (on your card) for account and billing questions, not Ulta.
- You can reach Comenity by phone, mail, or through their online account portal, and most issues are resolved in one call.
- For rewards program questions tied to your Ulta account, contact Ulta Beauty directly, but Comenity handles the credit card itself.
- If you report fraud or a lost card to Comenity, they can freeze your account when ready and issue a replacement within 7 to 10 business days.
Phone support and what to have ready
When you call the number on the back of your Ulta credit card, you reach Comenity's automated system first. Have your card number, Social Security number, and date of birth ready — the system asks for these to verify your identity. If you need to speak to a representative, the menu offers an option to wait for the next available agent.
Call times vary by day and hour. Comenity typically has shorter wait times early in the morning on weekdays. If you reach a long queue, you can hang up and try again later, or use their online portal instead — many account changes and payment questions can be handled there without calling.
Online account management through Comenity
You can log into your Ulta credit card account through Comenity's website or mobile app. Create a login using your card number and other identifying information, then you can view your balance, make payments, set up automatic payments, update your address, and read statements. This portal is available 24 hours a day.
If you forget your password, the website has a reset option. If you can't remember your card number, call the phone line and a representative can help you regain access to your account. Many cardholders use the online portal for routine tasks and only call when they need to dispute a charge or report fraud.
Mailing address for written requests
Comenity also accepts written correspondence by mail. This route is slower than calling or using the online portal — expect 2 to 3 weeks for a response — but it creates a paper record if you need documentation of your request. Send letters to the address printed on your statement or the back of your card.
Written requests work well for formal disputes, requests for documentation, or if you have a complex issue that requires explanation. Include your account number, your full name, and a clear description of what you need. Keep a copy for your records.
Reporting fraud, lost cards, and disputed charges
If your card is lost or stolen, call the number on the back of your card when ready. Comenity can freeze your account within minutes, and a replacement card ships within 7 to 10 business days. You are not responsible for fraudulent charges reported within 60 days of the statement date they appear on.
To dispute a charge, you can call Comenity or file a dispute through your online account. Comenity will investigate and typically respond within 30 to 60 days. During the investigation, the disputed amount may be temporarily removed from your balance. Keep receipts and any communication with the merchant — Comenity may ask for these as part of their review.
Rewards and Ulta-specific questions
The Ulta Beauty credit card earns points on purchases, but the rewards program itself is managed by Ulta, not Comenity. If you have questions about how many points you've earned, how to redeem them, or whether a purchase counted toward your rewards, contact Ulta directly through their website, mobile app, or by visiting a store.
Comenity handles the credit card account — payments, interest, fees, and fraud. Ulta handles the rewards program and how your card integrates with your Ulta loyalty account. Knowing the difference means you reach the right team the first time.
What to expect during peak times
Comenity's phone lines are busiest on Mondays and around the 1st and 15th of each month, when many people make payments or check balances. If you call during these times, expect longer wait times. Calling on a Wednesday or Thursday afternoon often means shorter queues.
The online portal and mobile app have no wait times and work just as well for most routine tasks. If you can handle your issue online, you avoid the phone queue entirely. Reserve phone calls for problems that require a representative's judgment — fraud, disputes, or account changes that the system won't process.
Frequently Asked Questions
What's the phone number for Ulta credit card customer service?
The number is on the back of your card. It connects to Comenity Capital Bank, which issues the card. If you don't have your card, you can find the number on your statement or by logging into your online account.
Can I call Ulta directly about my credit card?
Ulta can answer questions about rewards and your loyalty account, but they don't handle the credit card itself. For billing, payments, fraud, or account changes, you need to call Comenity. Ulta will tell you to call Comenity if you reach them with a card question.
How long does it take to get a replacement card?
Comenity ships replacement cards within 7 to 10 business days. If your card is lost or stolen, call when ready to freeze the account so no one else can use it while you wait for the replacement.
Can I dispute a charge online or do I have to call?
You can file a dispute through your online account or by calling Comenity. Both routes work the same way — Comenity investigates and responds within 30 to 60 days. Online disputes create a record you can check anytime, so many people prefer that method.
What if I can't log into my Comenity account?
Use the password reset option on the login page. If that doesn't work, call the number on your card and a representative can help you regain access or answer your question directly over the phone.