Guide to Comenity Bank-issued credit cards

Best for cosmetics

The Ulta Beauty Rewards card can give you a significant discount on your first purchase, so if you get it, make that purchase a large one. In addition, you can earn two points per dollar spent. You can redeem points starting at 100 points for $3, with the value of your points increasing if you redeem them in higher quantities. If you spend enough to earn status, you can earn higher base reward rates, discounts and access to exclusive events.
Pros

Your initial discount is only restricted by your credit limit, meaning you can stock up on cosmetics with significant savings.

Points earned from the credit card stack with any points you may earn from having status.
Cons

You’ll need to redeem your points in higher amounts to get the best value.

You won’t get elevated earning rates from the card for having status with Ulta.

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