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Earning and Redeeming Points at Ulta Under the UltaMate Rewards Program For Regular, Platinum, and Diamond Members

Ulta has the most rewarding loyalty program in the beauty community, but there are ways to make it even more rewarding. By only spending points when they are worth the most and taking advantage of as many bonus points and multipliers as possible, your return on investment could easily multiply from what you’ve received in the past. The most important step to maximizing your savings potential and making the most out of the program is to learn when to redeem. Once you’ve done that, learning how to maximize earnings will get you to redemption faster.

Redeeming Points

This is an Ulta point conversion chart. It is important to note that regular UltaMate member points expire. Your points will expire quarterly after a year has passed. If you earn points in the 4th quarter of 2016, they will expire when the first quarter of 2018 starts. That means points earned on October 1st have 1.25 years to get redeemed, while points earned on the 31st of December only have one year to get redeemed. Always keep an eye on your points. While you want to maximize value, you want to make sure you do not sit on them too long.

It is highly improbable for a regular member to reach 2000 points (before they expire) without reaching Platinum status. I ran the numbers and see that it is possible if a regular member made one $400 purchase a year under a 5x points multiplier or multiple purchases a year up to $400 only under 5x points multipliers. I have never seen a multiplier greater than 5x for a regular member, but stacking (scroll down for details on this) is possible. Unless you are one of those regular members who only shop with 5x point bonuses and spend almost enough to qualify for Platinum, you will almost always redeem under 2000 points. Just redeem for the maximum value you can before they expire.

Platinum and Diamond member points never expire, so there is almost never a reason to redeem under maximum value. Looking at the point redemption chart and assuming the member has no bonus offers, it would take a regular member, who gets 1 point per dollar spent, $100 to earn 100 points. If the member cashed in 100 points, s/he would get a $3 bonus for the $100 already spent. That is a 3% return, which is not too bad. A Platinum member, who gets 1.25 points per dollar spent, needs to spend $80 to earn 100 points. That is a 3.75% return if the Platinum member cashed in 100 points for $3. The Diamond member, who gets 1.5 points per dollar spent, needs to spend $66.67 to earn 100 points. That is a 4.5% return if the Diamond member cashed in 100 points for $3.

Although those rates of return seem decent, it only gets better as you redeem more points. Point values get assigned as you redeem them, not as you earn them. In the chart above, it shows you get $125 for 2000 points. If you save 2000 points but you redeem them 1000 at a time, you will only get $50 twice, $100. Those who redeem at 2000 points at once will get the full $125. This is the highest point redemption value and the only increment I suggest redeeming points in if your points do not expire. Redeeming at any other point is not allowing maximum redemption for your points. Likewise, if you have over 2000 points and your subtotal is $142.50, cash in 2000 points and pay the $17.50 difference.

By using the points in excess of 2000, you are not getting maximum value on those points. Yes, you got maximum value on the first $125, but you did not on the $17.50. You will have paid 500 points for them. Had you saved those 500 points toward your next 2000 point redemption, you would have hit it faster and gotten full value for all of your reward points. The important takeaway is only redeem points in increments of 2000 for maximum value. You are getting maximum value at 4000 points as well. The system will not allow you to cash in 6000 points at a time, so break up 6000 points into 2 orders of 2000 and 4000, or three orders of 2000, 2000, and 2000. I never save much past 2000 points, but there is nothing wrong with saving as many as you want.

The examples below only show redemption value without multipliers. If you had a multiplier, it would increase the reward percentage on every redemption. This means if you earned all of your points on a 5x multiplier, you would multiply the percentage in the UltaMate category by 5 (1×5) to see overall redemption value. That gives 15% to those who redeem at $3 and 31.25% to those who redeem at $125. That is because it would only take $400 to reach 2000 points on a 5x multiplier. Divide $125 into $400, and you will see your rate of return is 31.25%. This proves it is always most valuable to redeem points at 2000, even when using multipliers.

It gets trickier to find out the exact percentage in the other categories, because the bonus (0.25x for Platinum and 0.5x for Diamond never multiplies). With a 5x multiplier, regular members get 5x points, Platinum members get 5.25x, and Diamond members get 5.5x. The easiest way is to use the regular UltaMate table and multiply the total by 1.25 or 1.5 at the end. A Platinum member with a 5x points multiplier would spend $380.95 to reach 2000 points. Divide $125 into $380.95, and you will see your rate of return is 32.8%.

If you use the Platinum chart below, you are calculating that 0.25x bonus on points 5 times even though you only got it on the first point. It would make it look like you got 39.0625% back with a 5x multiplier, but your real return is 32.8%. It is still higher than regular members, so your 0.25x bonus matters. That is why these charts only work perfectly for calculating redemption value without multipliers. Remembering these tips can help you calculate value (if you want to). The only thing you really need to remember is you will never do better than redeeming 2000 points at a time no matter how you earned them.

Reward Points Value by Member Level Without Multipliers


100 points for $3 off -3%

250 points for $8 off -3.2%

500 points for $17.50 off  -3.5%

750 points for $30 off -4%

1000 points for $50 off -5%

2000 points for $125 off -6.25%


100 points for $3 off -3.75% (takes $80 to earn 100 points)

250 points for $8 off -4% (takes $200 to earn 250 points)

500 points for $17.50 -4.375% (takes $400 to earn 500 points)

750 points for $30 off -5% (takes $600 to earn 750 points)

1000 points for $50 off -6.25% (takes $800 to earn 1000 points)

2000 points for $125 off -7.8125% (takes $1600 to earn 2000 points)


100 points for $3 off  -4.5% (takes $66.67 to earn 100 points)

250 points for $8 off -4.8% (takes $166.67 to earn 250 points)

500 points for $17.50 off -5.25% (takes $333.33 to earn 500 points)

750 points for $30 off -6% (takes $500 to earn 750 points)

1000 points for $50 off -7.5% (takes $666.67 to earn 1000 points)

2000 points for $125 off -9.375% (takes $1333.33 to earn 2000 points)

To redeem points in person, just ask the person checking you out to cash them in. Online, point redemption is right under the Apply Gift Card section of the payment screen. It is the tab that says Redeem UltaMate Rewards Points. This tab will let you select the amount of points you want to redeem up to the value of the item. You cannot exceed the value of the item, even if you have the points available. There are no point redemptions that let you perfectly redeem $13 (the amount in my cart above). For $12, you could redeem 100 points 4 times, 400 points. This is because 500 points would be a $17.50 redemption where 400 points lets you redeem $12. If you wanted to redeem 250 points for $8, and 100 points twice for $6, it would take you to $14. That is why you do not see an option for redeem 450 points. Going over the $13 in your cart is not possible. There are times where you can redeem at a perfect amount. If you had $11 in your cart, you could redeem 350 points to get your purchase for free. Points get deducted before sales tax applies so you would not even pay sales tax.

If you redeem points on an order with multipliers, read all the way to the bottom of the article. Since this topic applies to earning and redeeming, I am only listing it once under earning.

I was able to cash in $125 worth of points 3 times last year for a total savings of $375. According to the chart, I only earned 5701, so 299 of the points I cashed in carried over from the previous year. Thanks to a large New Year’s Day purchase, I already have my next $125 bonus waiting for me and amazing deals I want from The Love Your Skin Event, which I go over in the attached article. Most years, I redeem $250 in points, but I spent a little more than usual in 2017.

Earning Points

Points are calculated on your subtotal. Nothing is awarded for shipping or sales tax. You only earn points on actual money spent so the amount saved with coupons or point redemption is ineligible. Say you redeem 2000 points ($125) on a $140 order and you have a $10 coupon for your birthday. Points are awarded on the $5 you paid.

Ulta has a lot of point multipiers and a couple of bonus point opportunities. All bonus points and point multipliers require activation before the purchase. These offers get emailed throughout the year, but it is a good idea to check the My Rewards section of your online account before shopping to make sure yours is active. Check my Ulta Page for a complete listing of all promotions. Point promotions get discussed in more detail in their linked articles. Members get 2x points during their birth month, 5x points for one week during their UltaMate account anniversary month, multipliers from 2x, 3x, or 5x for all purchases based on member level, targeted offers for specific brands, products or services, and bonus point offers, which usually includes a set amount of points for a specific dollar amount spent. Platinum and Diamond members will also get 10x points offers every August and received one in November 2017 that may or may not repeat.

Bonus points offers are straightforward. If Ulta offers 350 points with a $90 purchase (my latest offer), I get 350 points on top of whatever I earn for the $90 purchase. These offers are typically only available in January and October for select members. While member offers will vary, everyone will get the bonus promised on top of regular points or multipliers as long as they spend the minimum for the bonus.

During a 10x points event, a Platinum member with no other multiplier could earn 2000 points with a $195.12 purchase. If the Platinum member cashed in 2000 points at once for $125, that is a 64% return on investment. In the same event, a Diamond member with no other multiplier could spend $190.48 for 2000 points. That would be a 65.62% return in investment if cashed in at 2000 points. Earning and redeeming at the right time makes this program unbelievably rewarding. It is still very rewarding for those who earn most of their points the hard way (no multipliers, because sometimes we need things when there are no offers) or those who are unable to save to 2000.

With all of those earning opportunities, there are times when multipliers overlap. It is actually possible to have up to four overlapping multipliers at a time, and they do combine. There are two important rules to remember when combining multipliers. The first applies to all accounts, and the second only applies to Platinum and Diamond accounts. Base points never multiply. A base point gets built into every offer so you must subtract one point from each subsequent offer to remove the duplicate the base. Platinum members get a 0.25x point bonus and Diamond members get a 0.5x bonus for every dollar spent. This bonus does not multiply either, which is the second thing to remember. As long as you keep these rules in mind, you can calculate any bonus you have coming. Ulta always rounds down anything to the right of the decimal, even if it is 0.9%.

It is important to know how points will multiply, because you want to make sure you are getting all the points you deserve. While Ulta rarely messes up the multipliers, it does happen. This happened to me most recently last month. There was a 5x points on all eyeshadow palettes. When you clicked into the palettes from the link in the email, the Too Faced Chocolate Gold palette appeared. I ordered it, but I only received my standard 1.25x Platinum points on the $49 palette. That meant I got shorted 196 points, which was $49×4 I had not yet received. After a quick call to Ulta, I was manually given my 196 missing points.

Unlike Sephora where points get awarded when they’re earned, it takes a little longer with Ulta. Those shopping in store should see their points within a few hours. Online shoppers will not see their points until hours after the order ships. This means it can take days for your points to get awarded.

Now, let’s get into an example to make sure everyone knows how to run the math. Suzy was born in January. She is a Platinum member, who had an offer for 5x points on Urban Decay and a general 3x points on all purchases for her January 1st order.

Suzy gets 1.25x points for every dollar spent, because she is a Platinum member. (this is the base point plus 0.25 Platinum bonus)

Suzy gets 1x point for every dollar spent, because it is her birth month (2x-1 to remove the duplicate base)

Suzy gets 4x points for every dollar spent on Urban Decay (5x-1 to remove the duplicate base)

Suzy gets 2x points for every dollar spent, because of her limited time Platinum offer (3x-1 to remove the duplicate base).

Suzy has a $100 purchase, of which $50 is from Urban Decay.

She will get:

$50 x (1.25+1+4+2) or 412.5 points on the Urban Decay and

$50 x (1.25+1+2) or 212.5 points on everything else.

This is a total of 624 points, because Ulta will remove the extra 0.5 on each subset.

In the scenario at the top of the earning points section, I mentioned an order where someone has $140 in charges, with a $10 coupon, and a $125 point redemption. What happens if that customer had multipliers? Let’s say she was a Platinum member. To keep it simple, she has one 5x point multiplier on Lancome. Of her $140 in charges, $70 is Lancome and $70 comes from other brands.

She will get:

$2.50, the amount she actually paid toward Lancome, x (5.25x) or 13.125

$2.50, the amount she actually paid toward the other items, x (1.25x) or 3.125

This is a total of 16 points, because Ulta will round it down. She will see her point statement as -1984, which is the total she redeemed (2000) and the total she received (16) added together.

If she really wants the Lancome items over anything else, getting only 16 points, even with a multiplier, is okay. Always get what you want. Another option to take advantage of her point multiplier is to place the Lancome items in a different order she pays for and keep her redemption to items without multipliers.

She could also add extra items to this order to take advantage of the multiplier. This is the technique I least recommend. Should she choose to spend more (at least enough to trigger free shipping on the second order), splitting the orders is best. Ulta divides the amount spent over all items in the order, so adding more items to this order does increase how much gets applied to Lancome. It will never increase to the full amount though.

On a second order with no redemption or other coupon, her Lancome items would get the full 5.25x points. Her $70 in items would get 367 (367.5 before Ulta removes the 0.5). Sure she spends more this way, but she gets to spend an extra $70 on something else with the redemption order and still gets the multiplier for the Lancome items.

If you have any questions I did not address or suggestions on anything I could explain better, please let me know.

I will continue to post offers I am aware of so no worries if you happen upon this post after the offers above expire. If you have questions about any Ulta Coupon, I go over all types. Targeted Offers are exclusive to UltaMate Members so I do recommend joining. Remember to check all Ulta offers before placing an online order, because there are always general or brand specific offers that are not targeted. Deal stacking is not only allowed, it’s encouraged. See all Ulta articles. Read Tips For Getting the Best Deal at Ulta. View my main page for the guide map to the site and deeper deal exploration.

Disclosure: Affiliate Links

2 comments on “Earning and Redeeming Points at Ulta Under the UltaMate Rewards Program For Regular, Platinum, and Diamond Members

  1. Cherie
    January 9, 2018

    Wow! Super informative to the point of being over my head, but Much more helpful than going through customer service. Thank you for doing all the homework for us!
    You may have answered this in your article, but I have a question: I have an IT cosmetics product and 2 Lancôme products in my cart ($127) for 5x points days. When I go to checkout (just to see how the 5x adds up), it says I’ll earn 666 points. However, when I apply my 2000 points, my Points Earned drops down to 510. I haven’t checked out yet because I want to make sure, which is how I found your site! Thank you again!

    Liked by 1 person

  2. notcreative
    January 9, 2018

    Assuming you have a 5x points offer on Lancome and It Cosmetics (and are obviously Platinum since you have 2000 points), you would get 666 points for a $127 purchase if you spent $127. I am unaware of a 5x points offer for It Cosmetics (unless it just released when Ulta crossed into the 10th). You only earn points on actual dollars spent so you never earn on anything you’re redeeming points on. If you have $127 in your cart and are using $125 in rewards, you will earn points on the $2 difference. The question is why is the system quoting you 510 points on a $2 purchase? The system makes guesses, but the final points will not go up until after the item ships. It will probably process the points properly once the order ships so you could take a screenshot if you want Ulta to honor the 510 points. Otherwise, you will get 10 points (or -1990 when they add 10 and deduct 2000) if you have 5x points on It Cosmetics. If you only have it on Lancome, you will get 5.25x on whatever Ulta assigns to Lancome for the $2 and 1.25x on whatever Ulta assigns to It Cosmetics for the $2.

    What I recommend to take advantage of your multipliers, assuming you do not mind placing and paying for another order, is place items with multipliers in a cash order. Place items without multipliers in the redemption order. Placing all items in one order will reduce your multiplier. This is something I did not touch on in the article, but I will add it now. Say your order was $125 Lancome and $125 a non-multiplier. Ulta will divide the $125 credit between all items leaving you with points for $62.50 of Lancome and $62.50 on other items. If you do not want to place two orders, ask yourself if there was no multiplier, are those the items you would really get? If not, select different items.


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