Call Ulta's card issuer to close your account
The Ulta Credit Card is issued by Comenity Capital Bank, not by Ulta Beauty itself. To cancel the card, you call Comenity directly at the number on the back of your card — usually 1-866-322-2440 — and tell them you want to close the account. Have your card number ready. The representative will confirm your identity, ask why you're closing (they may offer you a retention offer), and then process the cancellation.
Closing happens when ready on the phone. Your account will be marked as closed, and you won't be able to use the card for new purchases right away. However, the account itself remains open in Comenity's system for a period of time to handle any pending transactions or disputes.
Key Takeaways
- Call Comenity Capital Bank at 1-866-322-2440 to cancel — this is the bank that issues the Ulta card, not Ulta Beauty.
- Have your card number and a form of ID ready when you call, and be prepared to confirm your identity.
- Pay off any remaining balance before you call, or ask the representative what your final payment method will be.
- Request written confirmation of the cancellation by mail, which protects you if there's a dispute later about whether the account was closed.
- Check your credit report a few weeks after cancellation to confirm the account shows as closed.
Settle your balance before closing
If you have an outstanding balance on the card, you need to pay it off before or during the cancellation call. Comenity will not close an account with an unpaid balance — they'll ask you to make a payment first. You can pay over the phone during the call itself, or you can pay online through your Comenity account before you call.
If you have a small balance and want to close the account when ready, ask the representative during the call whether you can pay it off right then using a debit card or bank account. Most representatives can process this while you're on the phone. If you prefer to mail a check, you can ask for the payment address, but this will delay the closure.
What happens to your Ulta Rewards after cancellation
Closing the Ulta Credit Card does not automatically close your Ulta Beauty Rewards account. Your Rewards points will remain in your account as long as you have activity — a purchase, a return, or even just logging into your Ulta account — at least once every 12 months. If you don't use your Rewards account for 12 months, Ulta may close it and forfeit your points.
If you have points you want to use, spend them before you cancel the card, or make a purchase at Ulta using a different payment method after cancellation to keep your Rewards account active. You can also log into your Ulta account online to check your current points balance and see what they're worth.
Request written confirmation of cancellation
After the representative confirms the cancellation on the phone, ask them to send you written confirmation by mail. This creates a paper record that the account was closed on a specific date. Write down the date, time, and the representative's name during the call, and note that you requested written confirmation.
The written confirmation usually arrives within 7 to 10 business days. Keep it with your financial records. If a charge appears on the card after cancellation, or if the account somehow reappears on your credit report, you'll have proof of when you closed it.
Monitor your credit report after closing
A few weeks after you close the account, check your credit report to confirm that the Ulta card now shows as "closed" rather than "open." You can view your credit report for free once a year at annualcreditreport.com, which is the official government site. Each of the three credit bureaus — Equifax, Experian, and TransUnion — maintains a separate report, so check all three.
If the account still shows as open 30 days after your cancellation call, contact Comenity again and ask them to confirm the closure. Sometimes there's a delay in the system, but if it's been more than a month, it may indicate an error that needs to be corrected.
What to do if you can't reach Comenity by phone
If you have trouble reaching Comenity by phone, or if you prefer not to call, you can send a written request to close your account. Write a letter to Comenity Capital Bank requesting account closure, include your card number and account number, sign it, and mail it to the address on your statement or on the back of your card. Keep a copy for your records.
Written requests take longer — usually 2 to 3 weeks — but they create a dated record of your request. If you use this method, follow up with a phone call a few weeks later to confirm the account was closed, or check your credit report to verify the status.
Frequently Asked Questions
Will closing the Ulta card hurt my credit score?
Closing a credit card can have a small negative impact on your credit score because it reduces your total available credit, which affects your credit utilization ratio. However, the impact is usually temporary and small — typically a few points — especially if you have other open accounts. The long-term benefit of not carrying a card you don't use usually outweighs this short-term dip.
Can I reopen the Ulta card after I close it?
Once you close the account, you cannot reopen it. If you want a Ulta Credit Card again in the future, you would have to explore for a new one. Comenity will review your process as if you were a new customer, so your previous account history won't may provide approval.
What if there's a charge on the card after I close it?
Contact Comenity when ready and report the unauthorized charge. Provide the date you closed the account and the date the charge appeared. Comenity will investigate and can reverse the charge if it occurred after closure. This is why keeping written confirmation of your cancellation date is important.
Do I need to cut up the card after closing?
Yes. Cut the card in half or shred it so it cannot be used. Even though the account is closed and the card won't work for purchases, physically destroying it prevents someone from finding it and attempting to use it.
How long does it take for the card to stop working?
The card stops working for new purchases when ready after you hang up the phone. However, pending transactions that were already in process may still go through for a day or two. Once those clear, the card will be completely inactive.