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Victoria's Secret Store Card

victoria secret store card
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4 277 reviews   Write a Review!
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Victoria's Secret Store Card’s Rewards

Bonus
$15
Base Earn
1 points / $1
Max Earn
2 points / $1
Earn / Redeem Limit
No
  • Earning is easy – with every $1 you spend you earn a point, and the rewards keep coming with every 250 points you earn.
  • $10 reward for every 250 points earned.
  • $15 off your next card purchase.
  • Angels always get double points on all bra purchases.
  • Angels get 100 bonus points on bra purchases during September.
  • Early access to the Semi-Annual Sale.
  • Angel Forever status when you earn just 1000 points.
  • Angel VIP and Angel Forever cardholders get triple points at purchasing events throughout the year.

Victoria's Secret Store Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
24.99% (V)
  • ANNUAL FEE None

Victoria's Secret Store Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE N/A
  • CASH ADVANCE FEE N/A
  • FOREIGN TRANSACTION
    FEE  
    N/A
  • SMART CHIP   No
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Victoria's Secret Store Card Reviews

 
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Overall Rating: 4.0 / 5
Total Ratings: 277
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Dec 18, 2014
Photo of Dbl B.
5
By:
Dec 18, 2014
Great card! Victoria's Secret makes it easy to update my lingerie/underwear with great sales, sales, clearances, and incentives. I am currently an Angel VIP (they have 3 levels) and I earn triple points on my anniversary, get early access to the semi-annual sale, double points on all bra purchases, triple points on purchases during events, along with a birthday gift of $10, and a rewards gift each time I earn 250 points! It is easy to use, and easy to make payments as well. I can set up payments online (which I normally do) and can pay the same day without an extra fee.
Nov 19, 2014
Photo of John S.
5
By:
Nov 19, 2014
I have had the Victoria’s Secret Credit Card for a while now and it’s always been easy to use and comes with great perks. Since signing up every month I get a free pair of underwear, which is always a fun treat to get in the mail, and it gets me into the store every time! Why waste it? It’s nice because it’s not just a discount, but something completely free! Personally, I have forgotten to pay store credit cards in the past, but the Victoria’s Secret card makes it so easy. I pay for something either in the store or online with the credit card, and immediately I can more
Nov 13, 2014
Photo of Chris G.
5
By:
Nov 13, 2014
My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop a lot at Victoria’s Secret, and it’s certainly not inexpensive. A few years ago, a sales associate asked me if I wanted to open one of the store’s credit cards as I was checking out. I usually hesitate, but it made sense this time because I got a 20% discount at check out, and I earn points for every dollar I spend. When you earn $250, you get a $10 reward. You also get early access to their semi-annual sales, when they very deeply discount a lot of items, more
Nov 13, 2014
Photo of Kristi V.
5
By:
Nov 13, 2014
I love this card. It was a simple sign -up and one of the first i ever received. I let this card close on its own (it closes after a year i think of non-use) and they were willing to allow me to reopen an account even after my ex screwed with my credit rating.

What I also like is the discounts that you receive. I swear, i have gotten so many free underwear coupons in the mail lately I have been giving them to friends. What I like (which is an incentive) is if you purchase a bra from the store and then make a payment (or could be more
Dec 10, 2014
Photo of Abby G.
Abby Glassgow
Dec 10, 2014
Weird question....I've never gotten any coupons EVER. I have an Angel Forever card, but never get any of the mailed promos people are always talking about.....any ideas?! :P
Nov 12, 2014
Photo of Regan W.
4
By:
Nov 12, 2014
This credit card is a great for guys who want to shop for their girlfriend and build good credit at the same time. You will not have to worry about over spending with this card because you will not use it much, only to buy your significant other a gift on credit. The terms are straight forward and very easy to understand. Compared to the American Eagle Outfitters credit card I used to have, this card is much better. There is a max late fee for the Victoria Secret card and a grace period, which was not offered by the AEO credit card.
Nov 3, 2014
Photo of Steph S.
5
By:
Nov 3, 2014
I signed up for the Victoria's Secret reward credit card about a year ago because the benefits sounded great to me. It was easy to sign up for, just a few questions in store then they gave me a temporary card number so I could use it right away. It arrived in the mail as promised by the end of 2 weeks, and setting up an account online to enroll in paperless billing was fairly easy, around 15-20 minutes if you connect to social media and such. So far I have really enjoyed having the card when I make purchases online and in-store. I was able to purchase more because more
Oct 30, 2014
Photo of Angeline F.
3
By:
Oct 30, 2014
I signed up for the Victoria's Secret Angel's card to get a discount on my purchase at the time. it is the only store credit that I own. I love the paperless billing though it was a little tricky to set up because you have to go to a different website to do it. I also really like the coupons I get in the mail for being a card holder. The interest rate seems a little high and I don't use the card often because of it, but overall I've not yet been disappointed. I would definitely recommend getting the card if you shop there often.
Oct 29, 2014
Photo of Jenny B.
4
By:
Oct 29, 2014
I had the Victoria Secret Credit card a few years back. I enjoyed the many perks with it, such as a certain amount off for so much dollars spent, reward points on purchases, birthday rewards and that you get early access to the sales. I also consistently received coupons for ten dollars off bra's as well as free underwear. I ultimately cancelled the card because the APR was too high and it was too easy to charge for all the cute things they have. Since I'm older, I care more about my credit score than having cute undergarment. But I do love their swimsuits!
Oct 16, 2014
Photo of Truclinh P.
1
By:
Oct 16, 2014
I just want to add my share about my terrible experience with Victoria Secret card, I'm glad I looked up with matter on the internet and has found many people to have the same problem like me, because their customer service employee from Victoria Secret Credit Card and from Comenity Bank tried to make it seems ridiculous on my part that they never see this happen before. LIE! In fact my experience DOES happen to a lot of people, including my mom.

So I signed up for VS Angel Card for 6 months already, and made purchases with it, but I also return some of my items of the purchases. more
Nov 9, 2014
Photo of Heather W.
Heather Whitney
Nov 9, 2014
if you know you used the card you should always pay rather get a bill or not. If you signed up for e-statement you won't get a bill in the mail it will go to your email instead. also having online access to your account would have prevented this. I have had my card for 3 years and have never had a problem. As soon as I got my card I sign up for online access and I always keep the recipet so I know what I spent and I have the due date written down. I'm sorry but its not entirely the companies fault. It sounds like you are more
Oct 16, 2014
Photo of Britney S.
4
By:
Oct 16, 2014
The Victoria's Secret credit card is pretty awesome, because you get early access to the Victoria's Secret Semi-Annual Sale. I cannot begin to tell you how much that means to me! In addition, Angel Forever status occurs at just 1000 points, which is insanely low if you are a fan of Victoria's Secret. Another cool feature is you get double points for bra purchases. If you collect bras like me, this can be a real benefit. You also get $10 for every 250 points purchase. Quite an incentive for just buying great products from Victoria's Secret. I am hooked by this card! This is better than the Macy's card because more
Sep 9, 2014
Photo of Melissa L.
4
By:
Sep 9, 2014
I had the Victoria Secret CC for a while now. I love the fact that you get so many perks with it. It varies from 10 dollars off every time you spend 250 points, to a birthday reward. I also as consistently getting coupons for ten dollars off bra's as well as free underwear. While the apr is high its pretty inline with rest of store credit cards
Sep 5, 2014
Photo of Brittany C.
4
By:
Sep 5, 2014
I have had this card for about 8 years and I love it! Especially when it comes time for their semi-annual sale. It gives me the time to pay it off before the next sale begins. I like that the minimum payments are kept low and are the same every month. The bonuses that you get every month are also really great from $10 off your next bra purchase, $10 off on your purchase for your birthday month (1 time use), and Angels rewards dollars once you reach a certain spent amount. I also really like how almost every month you get a free pair of underwear (they are different styles ever month).
Sep 2, 2014
Photo of Anna B.
4
By:
Sep 2, 2014
This is a nice card as far as the rewards go, I like that there is a $15 bonus on your first Angel Card purchase, and a surprise birthday gift. Compared to the Amazon rewards card, this seems to have a better points value, though you do need to accrue 250 ($250 spent at base earn level) to receive a reward. If you're going to shop at Victoria's Secret, why not use the Victoria's Secret Store Card? The only downside that I see is that the APR is insanely high, though this is not uncommon for store cards. If you shop at Victoria's Secret regularly and do not plan on more
Aug 8, 2014
Photo of Katelyn W.
4
By:
Aug 8, 2014
This was one of the first cards I ever had. The APR is very high but if you pay on time and you pay at least a little more then the minimum your okay. It doesnt have as many perks as a big name card like discover or capital one but its not really meant for that. Its meant for victoria secret lovers who specifically want those perks. I got a lot of them when I had the card and I always got free undies!
Jul 31, 2014
Photo of Pauline J.
3
By:
Jul 31, 2014
This card is ok. I imagine if you actually got sent what you're supposed to get sent it would be great. However I only get half the bonuses I'm supposed to get. I get far too many ads for my taste. The customer service at Victoria's Secret is also terrible. It's probably my biggest turn off. I really hate bad customer service. Being a large breasted female I really just hate Victoria's Secret over all. I'm pretty happy I stopped going there.
Jul 17, 2014
Photo of Svea M.
3
By:
Jul 17, 2014
So I got this card. And I quickly accrued the 1000 points to get upgraded to the angel forever card. However they still charge me for returns. I still dont see much benefit of the points as I have never received any rewards for them and the customer service will charge me to make a payment over the phone on the rare occasion I've had to call when the website is malfunctioning. However the early access to the semi annual sale is just wonderful and I love the extra access for the fashion show.
Jul 8, 2014
Photo of Amanda B.
1
By:
Jul 8, 2014
I wish I could give this a zero star rating.
Jul 4, 2014
Photo of Crystal C.
3
By:
Jul 4, 2014
i like how you get double points for buying bras and how you get a special surprise on your birthday. I can see how points can add up quickly. Overall I think this card is a good deal. The apr is kind of high though
Jun 29, 2014
Photo of Rosemary S.
5
By:
Jun 29, 2014
The Victoria's Secret Angels Card was the first credit card I opened when I was eighteen after having an active checking account for a year. You get the $15 savings on your purchase that day, and start your journey to earning points. There are several ways to "cheat" the point system so you get rewards more often, but spend less than the 1pt per $1 to get 250pts. First bras are double points, even sale bras. Also making a payment same day as purchase will double the points on your entire transaction (in store.) So if you have just bought your favorite 5/$26.50 panties and a comfy pair of yogas more
Jun 9, 2014
Photo of Megan R.
4
By:
Jun 9, 2014
I've had my angel card for almost a year and I love it! Not only did I receive my $15 off but a book of monthly coupons! I use it every 4-8 week. I also receive coupons almost monthly! I always receive my items with in a timely manner. I called customer service once to pay my bill, however there was a $10 fee so I just waited for my bill to arrive in the mail. I also would prefer free shipping to angel card holders, most companies I go through don't charge it...
Dec 10, 2014
Photo of Abby G.
Abby Glassgow
Dec 10, 2014
I've had it for years and never gotten any mailed coupons.....strange. :P
Jun 6, 2014
Photo of Alan B.
5
By:
Jun 6, 2014
As much as my girlfriend shops in this store, it is almost necessary to get the Victoria's Secret Credit Card. Reward points add up quickly here and once you earn 1000 points, you become an "angel forever." This even helps rack up more points as angel's get 2x points for bras. It is also very cool that she gets a birthday surprise every year.
May 27, 2014
Photo of Lacey L.
1
By:
May 27, 2014
In January 2014 i had reached the 500 points I needed to upgrade to the VIP Card. I call them and they tell me the 250 points i got in January 2013 are not counted due to them changing the system. So i basically lost 250 points. So a lady gives me a 200point credit since i lost them. So in March 2014 i reached the 500 points again to upgrade to VIP. I call them. No we cant count the 200 point credit toward your upgrade to VIP. I am beyond upset with Victoria's Secret and seriously debating on canceling my card and NEVER doing business with them again.
Jul 8, 2014
Photo of Amanda B.
Amanda Bernhardt
Jul 8, 2014
I also have had nothing but problems with the victorias secret card. The customer service was absolutely terrible. THEY had given me false charges to total up to $1170.00 that I had NEVER made and after calling and being VERY patient after being hung up on several times and put on hold for an hour I finally got through and they told me they were putting through a refund. A month later they only refunded two $14.00 transactions and said that I would have to file for a refund again. I can not get over how completely horrendous the customer service is and has consistently been. After two years of more
Nov 30, 2014
Photo of Melanie F.
Melanie Ferraro-Gillum
Nov 30, 2014
I had to call them FOUR TIMES to get my VIP FOREVER card, which I clearly earned. They never send me my rewards, I have to constantly call them to get my rewards sent. They don't give me double points when they are supposed to. I have been a VIP forever for a year and I have not seen one beauty product which they claim is a perk. I got a postcard in the mail saying that if i do not spend $200 more by January 31, I lose my forever status. There is no benefit of being a forever cardholder. They keep promising me things and not delivering. I more
May 27, 2014
Photo of Marie F.
4
By:
May 27, 2014
The Victoria Secret card has so many great reward options. Not only do you get a $10 reward for every 250 points but you also get double points on bra purchases as an angel. The surprise birthday gift is a great bonus to having this card too. To top all the other bonuses off you get $15 off of your next Angel card purchase. If you shop frequently at Victoria this is definitely the card for you.
May 26, 2014
Photo of Becky W.
5
By:
May 26, 2014
I absolutely LOVE Victoria's Secret! Not only do they have good quality, well made bras and clothing, but they are also gorgeous and offer some great functionality features! Having the credit card gets you a lot of good offers by email and mail and there point system is great if you are someone who spends a good bit of money with them. There max late fee is 35 and the 25 day grace period has definitely saved my butt before. Overall, if your are an individual who shops at Victoria's Secret frequently, this card is a must have for you.
May 9, 2014
Photo of Nichole C.
4
By:
May 9, 2014
You can save so much money using this card it's awesome. I'm a student and I haven't really qualified for a credit card before and this card is a great start for someone new to using credit. The only probably I do have is sometimes my card is declined even though I have a healthy balance and I should be able to purchase the item. That gets very frustrating at times. However, overall, I'm satisfied with the benefits one receives from this card.
May 9, 2014
Photo of Alex J.
2
By:
May 9, 2014
As much as you could potentially save with this card I really have no need for it. While I have no problem with what my wife buys from the store I don't want to give her a reason to come home with more of the same stuff. To make this card better I'd like to see a more versatile rewards incentive including more stores.
Jun 25, 2014
Photo of Tekeyah S.
Tekeyah Stewart
Jun 25, 2014
She can also use her card at Bath and Body Works
Apr 26, 2014
Photo of Amanda F.
1
By:
Apr 26, 2014
I have had my Angel Card for three years now, and I tell myself all the time I should stop using it. The customer service is terrible at VS, and every time I call about an order it's a giant hassle. I've had a lot of experience with the customer service due to having the wrong item sent to me numerous times! Additionally, one of the perks of the card is an anniversary gift, but I have never received this. I've always gotten the birthday gift, but I have to call every year to ask where it is, and end up getting it six months after my birthday. I did more
Mar 25, 2014
Photo of Matt K.
4
By:
Mar 25, 2014
The Victoria's secret store card is a great way to save money and get great deals while just doing your regular shopping. The reward points are a great way to save money just by buying things you normally would. Also, when you sign up, you get an initial 15 dollars off your next purchase!
Mar 13, 2014
Photo of Anjelica L.
5
By:
Mar 13, 2014
This card is a lifesaver. Victoria's Secret already has amazing deals and coupons, so it may surprise you to know that this card brings almost twice as many rewards. But it seriously does. Of all the credit cards I've had, this is the one most worth the sign-up and the bills. You get free gifts, discounts, coupons, and news of all their sales. This is one of those stores that's necessary to shop at for a lot of women, and so it just makes sense to take out the card. There are no penalties at all (unless you make a late payment) and it helps build easy credit.
Mar 6, 2014
Photo of Katherine H.
5
By:
Mar 6, 2014
I initially got this card 6 years ago when I wanted to make a larger purchase at Victoria's Secret (it gives you a discount right away) and I have been using it ever since. Victoria's Secret makes good quality products with a huge variety to chose from. If you're going to buy from here (which essentially all women already do) then you might as well get rewards for it also. The Angel Rewards program is well worth another credit card. You get free gifts (sometimes without even needing to make a purchase) and even bigger discounts the longer you are a card holder. I would definitely recommend this card to more
Mar 4, 2014
Photo of Darrel A.
5
By:
Mar 4, 2014
This card is a great way to get special discounts and coupons. The rewards points make it a great way to earn free products and clothing. The best part about the Victoria's Secret Store Card is that you can pay off your balance immediately after using it, right at the register! You also get free clothing and products without even having to make a purchase!
Feb 28, 2014
Photo of Sarah M.
4
By:
Feb 28, 2014
I have had the Victoria’s Secret Credit Card for over 10 years now. While I don’t spend much on the card anymore, the perks are too good for me to cancel it. When I do make a purchase, I’ll pay off the entire balance at the end of the month. The perks (Angel Rewards) with this card are exciting because many times, they don’t require a purchase to get a free gift. Of course, I’ll usually buy something pretty anyway, but the feeling of getting something absolutely free when you’re out shopping is exciting. And I love the extra mail during my birthday month. Free panties make me happy. more
Feb 28, 2014
Photo of Karen E.
4
By:
Feb 28, 2014
The rewards on the Angel card are really wonderful. You earn points on every single purchase and should get emails when bonus points are available. As long as you shop at Victoria's Secret regularly, you'll get coupons and free offers (for example, free panties, discounts on bras, etc.) on top of the actual $10 reward certificates. The only reason I rated the card as a 4, rather than a 5 is the interest rate. If you pay the card off every month like I do, there is no issue. However, if you normally carry a balance on your cards, the interest on the Angel card will add up way too more
Feb 27, 2014
Photo of Jessica H.
5
By:
Feb 27, 2014
The Victoria's Secret store card really stands out among others, because of the Angels rewards. The terms are typical, with a decent grace period, but it's the rewards that set it apart from the rest. If you use it responsibly, and pay off your balance every month as with any credit card, you will be very happy. This card is a must for Victoria's Secret fans.
Feb 24, 2014
Photo of Bumper B.
4
By:
Feb 24, 2014
The Victoria's Secret card is actually pretty competitive in terms of the other rewards cards I've owned. You get the $1 for 1 point value, and extra incentives that many other places don't have on top of that. Pretty solid.
Feb 7, 2014
Photo of Katharine F.
3
By:
Feb 7, 2014
I signed up for the card while I was working at Victoria's Secret, it made sense at the time. I recently cancelled the card because I was not using it anymore. I was disappointed with the high interest rate and that I was only getting coupons the more I shopped, when I stopped shopping the coupons stopped which made me even less likely to shop there. I did like the format of their website, how easy it was to make payments, and that they offered a chart of how long it would be to pay off my bill by only paying the minimum balance.
Feb 7, 2014
Photo of Leigh W.
3
By:
Feb 7, 2014
I used the Victoria's Secret Card for years, but finally had to give it up recently due to the high APR and the reason that it was really a luxury I couldn't afford. If you don't pay it off every month you are in trouble, but if you do pay it off completely and then don't use it for 45 days they close your account. It got very difficult trying to maintain a small enough balance that it wasn't costing me more than it was worth in the cool freebies they give out.
Jul 20, 2014
Photo of Nicole P.
Nicole Perez
Jul 20, 2014
? They won't close your account if you don't use it for 45 days... I only use my card during the Semi Annual sale and when they are running that spend $10 get a $10 Rewards card and I have never had my account closed and I always pay my bill immediately as well.
Jan 31, 2014
Photo of Justin E.
3
By:
Jan 31, 2014
The Victoria's Secret card is of a great value for individuals who shop there frequently. It has a great rewards program on in store merchandise. However, the APR is not provided, but it's usually quite high compared to other credit cards. I prefer my Bank of America rewards card over the Victoria's Secret card for several reasons. The APR is lower, you can use it at a variety of places, and the rewards program is much better. Overall, I would recommend this card if you have no other alternatives.
Jan 31, 2014
Photo of Ashley Z.
4
By:
Jan 31, 2014
I used to really enjoy my Victoria's Secret card when I first got it back in 2009 and I had more money to spend. I used it all the time and took advantage of the rewards program. However, now with student loans and a new car loan I have had to cut back spending on things I do not NEED and my card has become somewhat pointless. It takes me a long time to get a reward because I only treat myself to one or two things every few months from there, and if you do not pay your bill in full you are in trouble! The APR is crazy more
Jan 15, 2014
Photo of Maria L.
4
By:
Jan 15, 2014
I applied for the angels credit card 6 years ago along with my best friend and we still have it. Every time I shop there I spend way too much. I love receiving rewards credits and the free gifts. You receive a $10 reward for 250 point earned. I love shopping at victoria's secret. I love their lingerie and perfumes, and I feel like a princess when I shop there. The only down fall is that I tend to spend way too much and I have thought of canceling because of this, but I never really make up my mind.
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Dec 15, 2014
Photo of Brittany N.
By:
Dec 15, 2014
I'm new to the VS credit card. I received my first statement and I am going to pay it off before the due date. But I was wondering if I buy an item after I receive my statement, does that charge go toward the statement I just got or will it be on next months statement?
Dec 8, 2014
Photo of Danielle L.
By:
Dec 8, 2014
I applied and was approved for a Victoria Secret credit card online tonight, how can I make a purchase online before receiving my card in the mail?
Nov 18, 2014
Photo of Kayla S.
By:
Nov 18, 2014
How long after you make a purchase with the card do you have to pay off your balance? Without getting late fees or interest and not counting the 25 day grace period
Jul 9, 2014
Photo of Wanda M.
By:
Jul 9, 2014
Good Morning! I am in the process of trying to pay all of my credit card debt. I have managed to pay my VS card in FULL. My concern is that many credit cards company will close your accounts after 6 months of no activity. I am trying to avoid this because if that happens then I will have to reapply and that is an inquiry on my credit report. Should I be using my VS card or is it safe not to have any activity without having my card closed out.
Jul 29, 2014
Photo of Card H.
Jul 29, 2014
Every company has its own policy but judging from our experience you should not worry too much about them closing the card. One thing to keep in mind is that if you don’t use your card for 12 consecutive months, you will lose any points you have accumulated.
Jun 23, 2014
Photo of Ashanti G.
By:
Jun 23, 2014
If you don't use your card for a long time will you get charged fees?
Jun 26, 2014
Photo of Card H.
Jun 26, 2014
It seems that the Victoria’s Secret Store card charges no fee if you don’t use it for any amount of time.
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Last updated on: Dec 18th, 2014 at 5:17 EST