You're standing in the checkout line, or maybe you're sitting on your couch staring at a fresh haul of Fenty Beauty and Shark FlexStyle attachments, and suddenly it hits you. The bill. If you've got the Ulta Beauty Rewards™ Credit Card (or the Mastercard version), you know the rewards are great, but the actual process of managing the bill can feel weirdly fragmented. Honestly, it's because Ulta doesn't actually handle the money.
Comenity Capital Bank is the power behind the curtain here.
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Most people think they can just hand a wad of cash to the cashier at the store to pay off their card balance. Nope. You can't. That’s the first big misconception. If you walk into a store expecting to settle your debt at the register, you’re going to leave disappointed.
Ulta Beauty Make a Payment: The Digital Shortcut
If you want the absolute fastest way to handle an ulta beauty make a payment request without digging for a password you forgot three months ago, you need to know about EasyPay.
It's Comenity’s "guest" checkout version for bills.
Basically, you go to the Comenity payment portal and look for the EasyPay link. You don't have to log in. You just provide your card number, your zip code, and the last four digits of your Social Security number. It’s perfect for those "Oh no, it's due tonight" moments.
But be careful.
Using EasyPay is fine for one-offs, but it doesn't let you see your statement history or pending transactions. If you’re trying to be a responsible adult and track your spending habits (or just see how much that 21 Days of Beauty sale actually cost you), you really should create a full account.
Why the Mastercard Version is Different
There are actually two versions of this card. One is the store-only card that works at Ulta and on their website. The other is the Ulta Beauty Rewards™ Mastercard. The latter works anywhere Mastercard is accepted.
The payment process is the same for both, but the customer service numbers differ slightly:
- Standard Store Card: 1-866-254-9971
- Mastercard Version: 1-866-257-9195
- World Mastercard: 1-866-271-2680
If you're calling to pay, keep in mind that Comenity might charge you an expedited payment fee. It can be up to $15 just for the privilege of talking to a human to give them money. Stick to the automated system or the web portal to keep that cash in your pocket for more skincare.
The Mail-In Method (For the Old School)
Believe it or not, people still send checks. It's slow. It's risky if the mail is lagging. But if that's your vibe, you need the right address. Do not send it to Ulta Corporate in Bolingbrook.
Send your check or money order to:
Comenity Capital Bank
PO Box 650964
Dallas, TX 75265-0964
Write your account number on the memo line. Seriously. If the check gets separated from the envelope and there’s no account number, your payment is going to sit in a pile of "unidentified funds" while you rack up late fees.
Managing the Ugly Interest Rate
We need to talk about the 32.25% APR.
That is not a typo. As of 2026, the interest rates on store cards like this are astronomical. If you carry a balance of $500, you’re essentially paying Ulta (or rather, Comenity) about $13 a month just for the right to owe them money. That's a bottle of The Ordinary serum literally disappearing into the void every single month.
The rewards—2 points per $1 spent—only make sense if you pay the balance in full every month. If you pay interest, you aren't "earning" rewards anymore; you're buying them at a massive premium.
Setting Up Autopay
The "set it and forget it" method is the only way to survive the 32%+ APR trap. Once you log into the Comenity portal:
- Link your checking account (you'll need your routing number).
- Choose "Automatic Payments."
- Select the Statement Balance option.
Don't just pay the "Minimum Payment." The minimum is a trap designed to keep you in debt for years. If you only pay the minimum on a $1,000 makeup spree, you'll still be paying for that eyeshadow palette when your kids graduate high school.
What Happens if You Miss a Payment?
Life happens. Maybe your car broke down or you just forgot.
If you're late, Comenity usually hits you with a fee—often around $30 for the first time and up to $41 if you mess up again within six months. If you catch it within a day or two, call them.
Be nice.
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Tell the representative, "I've been a loyal customer and this is my first time missing a date. Is there any way you can waive the late fee?" About 70% of the time, they’ll do it as a one-time courtesy. It saves you money and keeps your credit score from taking a unnecessary dent.
Actionable Next Steps
To keep your account in good standing and maximize those points, do this right now:
- Download the Ulta App: You can access the credit card portal directly from the "Rewards" tab.
- Check your due date: Ulta's billing cycles can be wonky. It might not be the 1st or the 15th.
- Verify your bank link: Make sure your payment source is actually connected. A "returned payment" due to a typo in a routing number carries the same heavy fees as a late payment.
- Switch to paperless: It’s 2026. Getting a physical bill in the mail is just one more thing to lose under a pile of junk mail. Digital alerts are harder to ignore.
By staying on top of the ulta beauty make a payment process, you ensure that those 2,000 points (which are worth a cool $125 in credit) actually stay valuable instead of being eaten by interest and fees.