Access your Ulta Credit Card account through the Synchrony portal
Your Ulta Credit Card is issued by Synchrony Bank, not by Ulta Beauty directly. This means you log in through Synchrony's website, not through the Ulta Beauty app or store website. Go to mysynchrony.com and enter your username and password on the main login page.
If you do not yet have a Synchrony online account, you will need to set one up before you can check your balance, make payments, or view your statement. The account creation process takes about five minutes and requires your card number, Social Security number, and date of birth.
Once logged in, you can see your current balance, available credit, recent transactions, and due date. You can also set up automatic payments, read statements, and update your contact information from this same portal.
Key Takeaways
- Log in at mysynchrony.com using your username and password — this is Synchrony Bank's portal, not Ulta's website.
- If you have never logged in before, create an account first using your card number, Social Security number, and date of birth.
- From your account dashboard, you can pay your bill, check your balance, view transactions, and read statements.
- If you forget your password, use the "Forgot Username or Password" link on the Synchrony login page to reset it by email or phone.
- You can also call Synchrony customer service at the number on the back of your card to make a payment or ask questions about your account.
Create your Synchrony account if you are logging in for the first time
When you first receive your Ulta Credit Card, you do not automatically have a Synchrony online account. You must create one to access your account online. Go to mysynchrony.com and click "Enroll Now" or "Create Account."
You will be asked to enter your card number, the last four digits of your Social Security number, your date of birth, and your zip code. Synchrony will verify this information against their records. Once verified, you will create a username and password. Your username can be an email address or a custom name you choose.
After you create your account, you will be able to log in when ready. Write down your username and password in a safe place, or use your browser's password manager to store them securely.
Reset your password if you forget it
If you forget your Synchrony password, click "Forgot Username or Password" on the mysynchrony.com login page. Synchrony will ask you to enter your card number and the last four digits of your Social Security number to verify your identity.
You can then choose to reset your password by email or by phone. If you choose email, Synchrony will send you a link to create a new password. If you choose phone, a representative will call you to verify your identity and help you set a new password over the phone.
The email reset link is usually faster. Check your inbox and spam folder for the reset email, which typically arrives within a few minutes.
Make a payment from your Synchrony account
Once you are logged in to mysynchrony.com, click "Make a Payment" or "Pay Now" on your account dashboard. You will see your current balance and minimum payment due.
You can pay from a bank account (checking or savings), a debit card, or a credit card. If you pay from a bank account, the payment usually posts within one to two business days. If you pay by debit or credit card, there is a fee — Synchrony will show you the fee amount before you confirm the payment.
You can also set up automatic payments so your bill is paid on the same date each month. Choose whether you want to pay the full balance, the minimum payment, or a fixed amount you specify.
View your statement and transaction history
Your Synchrony account shows all transactions from the past several months. Click "Statements" or "Transaction History" to see a list of every purchase you made with your Ulta Credit Card, along with the date, merchant, and amount.
You can read your monthly statement as a PDF file. Statements are usually available online a few days after your billing cycle closes. If you need a statement from a previous year, Synchrony keeps them available for read for several years.
If you see a transaction you do not recognize, click on it to see more details, or contact Synchrony customer service using the number on the back of your card to report it.
Update your account information and contact details
From your Synchrony account, you can update your mailing address, email address, and phone number. Click "Account Settings" or "Profile" to make these changes. Keeping your contact information current helps Synchrony reach you if there is suspicious activity on your account or if your payment is late.
You can also change your password, set up security questions, and manage how Synchrony contacts you — for example, whether you want to receive payment reminders by email or text message.
Call Synchrony customer service if you cannot log in online
If you are having trouble logging in or accessing your account online, you can call Synchrony directly. The phone number is on the back of your Ulta Credit Card. A representative can help you reset your password, answer questions about your account, or make a payment over the phone.
Customer service is available seven days a week. Have your card number and the last four digits of your Social Security number ready when you call. If you call outside business hours, you can leave a message and a representative will call you back the next business day.
Frequently Asked Questions
Is mysynchrony.com the same as the Ulta Beauty website?
No. Ulta Beauty's website is ulta.com, but your credit card account is managed by Synchrony Bank at mysynchrony.com. You cannot log into your credit card account through the Ulta app or website. You must use Synchrony's portal.
What should I do if I never received a welcome email from Synchrony?
Check your spam or promotions folder — the email may have been filtered. If you still cannot find it, go directly to mysynchrony.com and click "Enroll Now" to create your account using your card number and Social Security number. You do not need the welcome email to set up your account.
Can I pay my Ulta Credit Card bill at an Ulta store?
No. Ulta stores do not accept credit card payments. You must pay through mysynchrony.com, by phone to Synchrony, or by mailing a check to the address on your statement. Paying online or by phone is faster and safer than mailing a check.
What if I see charges from a store I do not recognize?
Log into your Synchrony account and click on the transaction to see the full merchant name and details. If you still do not recognize it, call Synchrony at the number on your card to report it. Synchrony can investigate and may reverse the charge if it was fraudulent.
Can I use the Synchrony app instead of the website?
Yes. Synchrony has a mobile app called "Synchrony" that you can read from the Apple App Store or Google Play Store. You log in with the same username and password you use on mysynchrony.com, and you can make payments, check your balance, and view statements from the app.