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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. If you are a student, you can choose a credit card from those offered to students. Student credit cards usually have lower interest rates and fees. Some of them even come with rewards.

If you want a cash back credit card, you should consider the Discover it® Student Cash Back card. The card offers 1% cash back on all purchases. You can even get 5% cash back (up to the quarterly maximum) if you enroll in rotating categories every quarter.