The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a
$0 annual fee, rewards of
10 points per $1, and perks such as birthday bonuses and free shipping. Plus, you only need
fair credit to be approved for an account.
Victoria's Secret Credit Card Reviews Highlights
Points equal 5% “cash” back
You will generally earn 10 points for every $1 you charge to the Victoria’s Secret Credit Card, which is well above the
market average for a rewards card. While most credit card points are worth about a penny apiece, the Victoria’s Secret Card gives you five times the value. Every 2,000 points that you earn gets you a $10 credit. That’s obviously not true cash back, but it might as well be if you regularly shop at Victoria’s Secret.
Fees aren’t a concern, but interest is
The Victoria’s Secret Card does not charge an annual fee, so you won’t feel any pressure to get your money’s worth. You should, however, make sure to pay your bill every month. Because Victoria is hiding a Secret in her card terms, and it’s a lofty APR. For context, the average credit card for fair credit charges
26.41%.
At least someone will give you a birthday gift
You will receive a $10 credit each year on your birthday. That’s certainly a nice gesture. You just need to make sure this modest gift doesn’t lead you to spend more at Victoria’s Secret than you would otherwise.
Not a bad way to build credit
You only need “fair” credit to qualify for the Victoria’s Secret Credit Card, which means it could help you establish credit history or perhaps continue rebuilding from previous mistakes. If you don’t know your credit score, you can
check it for free on WalletHub.
Solid reviews
It’s always good to see what fellow consumers have to say about a product, so make sure to read some of the following Victoria’s Secret Credit Card reviews before submitting an application. For what it’s worth, the card has an average rating of 3.9/5 by WalletHub users.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.