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Victoria's Secret Store Card

Victoria's Secret Store Card
Required Credit Score: Excellent, Good, Fair
4 227 reviews   Write a Review!
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Victoria's Secret Store Card's Rewards

Bonus
$15
Base Earn
1 point / $1
Max Earn
2 points / $1
Earn / Redeem Limit
No
  • $15 off your next Angel Card purchase.
  • 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.
  • Angels always get double points on all bra purchases.
  • 6 months of irresistible offers, worth up to $100, as a new Angel Cardholder.
  • Surprise birthday gift every year.
  • Angel Forever status when you earn just 1000 points.

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
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Victoria's Secret Store Card Reviews

 
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1 2 3 4 5
 
4.1
Overall Rating: 4.1 / 5
Total Ratings: 227
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Jul 31, 2014
Photo of Pauline J.
3
By:
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:
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:
I wish I could give this a zero star rating.
Jul 4, 2014
Photo of Crystal C.
3
By:
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:
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:
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...
Jun 6, 2014
Photo of Alan B.
5
By:
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:
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
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
May 27, 2014
Photo of Marie F.
4
By:
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:
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:
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:
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
She can also use her card at Bath and Body Works
Apr 26, 2014
Photo of Amanda F.
1
By:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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
? 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:
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:
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:
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.
Dec 17, 2013
Photo of Lindsay K.
4
By:
The Victoria's Secret Store Card is great for those who shop frequently at
Victoria's Secret. I love when a company rewards customers who loyally shop there.
You can earn $10 in cash back for every $250 spent, which is actually a lot
higher than many other cards I've seen (like the Shell Card for example). I also
like that they offer an even higher level of savings for people who shop more than
others. I feel that if I am a frequent flier, I deserve better benefits. One
other benefit they offer which I really like is the birthday and anniversary gift.
Dec 13, 2013
Photo of David M.
4
By:
Like most store cards, the Victoria's Secret Store Card will be excellent for some and absolutely useless for others. If you are someone who shops at Victoria's Secret often, then you should seriously consider applying for this card. Interest rates are nothing special, but the rewards can be quite, well, rewarding. To begin with, you start off with $15 off your first purchase with the card. Then you can accumulate points quite easily to earn more rewards. You are also given a gift for your birthday and for the date on which you opened your account. Besides all of this, you are granted "Angels First" which gives you early access more
Dec 6, 2013
Photo of Jessica N.
3
By:
This card has minimal rewards, and higher interest rates. I personally would rather choose a card that has lower interest rates, unless I were shopping regularly at the store, and able to my card off every month. I think there are some nice offers, including the introductory bonus, as well as offers throughout the months. If I were an avid shopper, these perks would be great. Especially if I were just using this card for the extra perks, and paying it off at the end of the month, EVERY month. Macys has a store card that does not offer some of the benefits this card is offering, outside of additional more
Dec 5, 2013
Photo of Katie C.
3
By:
I signed up for the Victoria Secret credit card when I was in college. I ended up cancelling it a few years later. Unless you are a diehard VS fan and buy their merchandise frequently, I think you would be better off with a normal, non-store credit card. The interest rate is outrageous so be sure to pay that bill in full every month. The free bonuses you get through the year are nice, but be careful; I know I always end up spending more money when I get a “bonus.”
Dec 4, 2013
Photo of Cody D.
5
By:
If you're wife loves lingerie and your a guy like me who likes to buy it for her then this is the card for you. When you sign up you get $15 to spend in store plus points for every dollar you spend. They also send you $100 in perks the first 6 months you're a member. The more you spend the higher the level you get. Another card that is for similar items is the Macy's card as they have a wide selection of lingerie. However the Macy's card does not give you $15 just for signing up, but they do continually offer great discounts. If you really like more
Nov 29, 2013
Photo of Suzanne C.
4
By:
Victoria's Secret offered me a credit card, and it is by far one of the best accounts I've had. The interest rate is high, but that is true of just about any "in-store" credit. I love the fact that I get exclusive card-holder offers that save me money on items I would already buy. The customer service I have had with them is also outstanding, I have had more than one fee waived for extenuating circumstances. I love the fact that Victoria's Secret is pretty much everywhere, so if for some reason I find myself without underthings on a trip or vacation, the solution is easy to come by!
Nov 28, 2013
Photo of Shawn C.
5
By:
I love having this card. Victoria's Secret is the only place I will buy bras and underwear. Their items are more expensive but it is so worth it because they will last a lot longer than average department store or big box store brands. I love having the card because I may not be able to afford to stock up on everything I want or need at the time and it allows me to do so and pay it off little by little. They have so many things that are necessary but also things that allow me to be indulgent. I absolutely love their fragrances, lotions, and body washes and more
Nov 28, 2013
Photo of Sarah N.
5
By:
I love this credit card!! It is an awesome way to get a little something special for my hubby without him knowing in advance. In addition to them offering 0% financing and additional incentives like free gifts! Who doesn't like a free gift every now and then? Or gift cards when you buy things you were going to purchase any way! And the advantage to knowing about sales before other customers, and discounts! The discounts alone make this card worth wild! Plus it is the only credit card you can get in pink!! As you move up in points you will eventually graduate to an all black credit card but more
Nov 26, 2013
Photo of Jay F.
4
By:
Like most store cards, people who are frequent or heavy shoppers of these stores really have the most to gain. The high rates store cards like this Victoria Secret store card offer are not very attractive unless you are someone, like my wife who spends a lot of money there each year any ways. As my wife has made it clear to me, it is quite easy to end up spending quite a bit of money on underwear and the like at the store she affectionately calls "Vicky's". This cards reward program allows you to get a $10 reward for 250 points earned. The ratio to earn points is 1 more
Nov 26, 2013
Photo of Scott B.
4
By:
The Victoria's Secret Store Card has rather high regular APR rate, but if you pay off your credit card bill frequently, it shouldn't be a huge issue. The rate at which you accumulate awards is reasonable, though a lower level, such as $200 would be more appealing. However, it looks like it has other benefits such as discounts, access to special sales, and anniversary/birthday items, which could be a beneficial draw. It also has an offer for tiers that open up more benefits, which could be interesting. Overall, I feel like if you were a frequent shopper at Victoria's Secret, this store card could be a good one.
Nov 22, 2013
Photo of Scott B.
4
By:
The Victoria's Secret Store Card seems to offer some great perks. As with any store card, you're limited to purchases specifically made at that store, but that doesn't mean that there aren't some great perks and benefits for shopping at Victoria's Secret. In addition to earning 1 point for every dollar spent, there are sales and bonus points offered frequently. There's also the option to "move up" to elite statuses by accruing points, which entitle you to extra benefits. You'll also want to watch any balance you carry, as the 24.99% APR is on the higher side. And with no annual fee, if you already shop at Victoria's Secret, you more
Nov 19, 2013
Photo of Jester C.
4
By:
If a woman is enthralled by the thought of having extended credit through Victoria’s Secret, or a man enjoys showering his best girl with lots of adoring gifts from the renowned retailer in woman’s fashion under garments, then the Victoria’s Secret Store Card has some interesting potential. Also referred to as the Angel Card, a new cardholder will receive an immediate $15 bonus upon approval. The card also will earn 1 reward point for every $1 of purchase, with a 2-point max level. For the individual who likes to frequent Victoria’s Secret there are 6 month offers that could amount to as much as a $100 incentive, and there is more
Nov 16, 2013
Photo of Jen T.
5
By:
The only reason I initially signed up for the Victoria Secret card was because they offered me a discount at the point of purchase for doing so, but given the amount of shopping I do with them, I have been kicking myself for not getting it sooner. The APR is pretty average for retail store cards, but Victoria’s Secret gives me, by far, the most perks and discounts to use their card than any other retailer. The point program is very generous- you get 1 point per dollar spent, and 2 points per dollar if you're buying a bra- once you reach 250 points, you get a $10 angels gift more
Nov 16, 2013
Photo of Emma F.
5
By:
I have had many cards, but the Victoria's Secret store card is my favorite by far! The design is cute and adorable. The interest rate is a bit high, but similar to other store cards. The rewards from having this card are amazing! The coupon book and specials that come with this card are wonderful. When you use the card you earn reward points to work your way toward a $10 gift card. But you can also join their credit card services (one for identity protection and another for unemployment protection) and receive a $20 gift card for each service. I did this and then cancelled the services before I more
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Jul 9, 2014
Photo of Wanda M.
By: Wanda Mwalwanda
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.
Card Hub
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: Ashanti Gamble
If you don't use your card for a long time will you get charged fees?
Jun 26, 2014
Photo of Card H.
Card Hub
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: Jul 31st, 2014 at 12:15 EDT