The Ulta Beauty Rewards Credit Card is what’s known as a closed loop card, meaning it is exclusively for shopping at the affordably priced beauty chain and can’t be used elsewhere.

You can get 20% off at Ulta by signing up for the Ulta Beauty Rewards credit card. Once you’re approved for the card, you’ll get one-time code for 20% off your Ulta purchase.

Last year, I should have spent $557 at Sephora and Ulta. Luckily for me (and my credit card), I instead spent $329—a 41% savings. By timing your restocks with sales (the good ones, that is ...