Ulta Beauty Rewards® Mastercard® Credit Card — Comenity Capital Bank is a personal credit card from Comenity Capital Bank. The annual fee is None. The ongoing APR is 23.34% to 32.25% when you open your account, based upon your creditworthiness. This APR will vary with the market based on the Prime Rate.. Signup bonus: Enjoy 500 Welcome Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty. Rewards: 2 points per $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.