The Ulta Beauty’s credit card is a store credit card and store cards usually require applicants to have an average credit history. Also, like any store credit card, Ultra credit card comes with a high interest rate of up to 26.24%. If you are not going to pay off the card balance in full each month, you may accrue big debt and pretty fast. As an alternative, we would recommend you to apply for a secured credit card. Secured credit cards often come with low interest rates and fees. Also, they are reported to all three major credit bureaus allowing you to build your credit. To get a secured credit card, you will need to pay a security deposit. The minimum security deposit is usually around $200.