MCC 5977

What MCC Code Does Ulta Beauty Use?

Plus: the best credit cards to use at Ulta Beauty for maximum rewards in 2026.

By PointsPick Team, Credit Card Research Team  ·  Updated April 2026

Quick Answer

Ulta Beauty uses MCC code 5977 (Cosmetic Stores). The best credit card is the Signify Business Cash, earning 2x rewards on this category.

Best Credit Cards at Ulta Beauty

Ulta Beauty transactions are processed under MCC 5977 (Cosmetic Stores, category: retail). These cards earn the highest rewards:

Card Earning Rate Annual Fee Issuer
Signify Business Cash 2x No annual fee Wells Fargo Apply Now
Active Cash 2x No annual fee Wells Fargo Apply Now
Freedom Unlimited 2x No annual fee Chase Apply Now

Rates and fees as of April 2026. Verify with issuer before applying.

Quick Reference

All cards for MCC 5977 Ulta Beauty merchant page MCC lookup tool Best credit cards

Frequently Asked Questions

What MCC code does Ulta Beauty use?

Ulta Beauty uses MCC code 5977, which is classified as "Cosmetic Stores". This determines which credit card bonus categories apply to purchases at Ulta Beauty.

What is the best credit card to use at Ulta Beauty?

The best credit card at Ulta Beauty is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5977 (Cosmetic Stores).

Does Ulta Beauty qualify for grocery credit card bonuses?

Ulta Beauty uses MCC 5977 (Cosmetic Stores). This means purchases at Ulta Beauty do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).