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Victoria's Secret Credit Card

victorias secret credit card
Required Credit Score:
Fair
320 reviews   Write a Review
Info about the Victoria's Secret Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Victoria's Secret Credit Card’s Rewards

Bonus
$15 + 25 points
Base Earn
1 point / $1
Max Earn
2 points / $1
Earn / Redeem Limit
No
  • Earn 25 bonus points just for registering.
  • 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.
  • 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 Credit 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 Credit 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
Apply Now
at Comenity Bank’s
secure site

Customer Questions and Answers

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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 more
Reply

Photo of Margie C.
Feb 10, 2015
Since your first statement has already been issued, any purchases you made after receiving it will show up on the next month’s bill. The dates of your billing cycle should be noted on your bill.
2 Votes 2

Can you use it to buy a gift card?
Reply

1 Votes 1

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 more
Reply

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.
0 Votes 1 1
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Customer Reviews

Share your insights and review the Victoria's Secret Credit Card.

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4.0 out of 5

320 reviews
30%
51%
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6%
Photo of Carrie D.
Aug 17, 2015
I got this card as an easy way to boost my credit. I am very pleased with my experience! I love VS anyways, but this card allows me to shop a bit more often. My advice is definitely to keep the balance relatively low. The interest rate is a bit high. But as long as you pay it off monthly, everything will be fine!
Photo of Sandi R.
Sep 2, 2015
What was ur credit score when u applied
Photo of Lisa B.
Aug 16, 2015
I love VS! I love this card! This is a great card to get started with if you need to build your credit. I've had it for years, and I just recently achieved Forever Angel status! The key to this card is moderation. I usually use it once or twice a month and pay it off. The APR is high, that is common with store CC. The perks really are worth it, and like I said, keep the balance low and pay it off. As for those who say it's hard to pay online etc., I have the app and it is a breeze and no fee. I have never more
Photo of Dylan Q.
Aug 15, 2015
if i don't sign up for a card do they send me things in the mail because i don't want things sent to me in the mail
Photo of Krystal H.
Aug 13, 2015
Other stores would not give me a credit card. Victoria secret did and now theyve gotten so much of my money. They were very smart to do that. I will forever be a loyal customer!
Photo of Sky D.
Aug 5, 2015
This card is great! You earn points just for signing up and there is a $10 reward for every 250 points earned! I have a Macy's store card and the benefits aren't nearly as good. They only have sales occasionally. That is the only benefit. With the Victoria's secret card you actually earn money, just to shop.
Photo of Cassandra C.
Jul 21, 2015
I absolutely love this credit card i've had it for about 3 years. At the beginning when i first opened it i had trouble keeping up due to financial issues but i would call and they would always work with me. Once i was able to get caught up and my payments were on time they increased my limit. After 2 more months they increased my limit again. I get free undies every month & cards to get discounts on bras. They give a lot of free stuff. I absolutely love being a Victoria's Secret Angel. Lots of perks!! If i had to choose to keep only one credit card more
Photo of Jeannette S.
Jul 18, 2015
Can anyone tell me how long before I receive my Angel Credit Card in the mail? It has been 6 wks and I haven't received anything! I applied in store and I'm sure they told me but I was just so excited that I must've had tunnel vision lol.
Photo of Marquita W.
Jul 31, 2015
Hello I opened my account at the end of June and my card came about 10 days later. If I was you I would call and have them resend it.
Photo of Kristen L.
Jun 29, 2015
Giving the card 2 stars due to all the perks you get. Other than that, it sucks!
About s year ago, I got hit with a late charge, even though I never received a statement in the mail or online saying I had a balance/due date. I ended up getting it taken off due to the fact that I always pay on time. While on the phone the customer service lady convinced me to sign up for a free trial of the account assurance. I made sure that it would not recharge my card after the trial.
Now recently, I noticed that my balance was high, even though I had been more
Photo of Kaila D.
May 26, 2015
I've had my Pink Angel card (same thing) for about 2 months and I absolutely adore it. Not only is the card itself super cute, but when you get it in the mail, I also received a little book of goodies with a special coupon for each month. There are about 3 free undies in that book. Thats about $30 at VS. They give out a lot of free money. Every time I shopped for some reason they gave me a free $15 for next time. I have been extremely happy with signing up of this card. As long as you keep up with the bill, it shouldn't be a burden at all.
Photo of Crystal T.
May 26, 2015
Don't get this card it's not worth the trouble!!!! I give no stars for the rating if it let me! If you move and give them your new address they won't mail you a statement they will just send it to a collection agency and not even let you pay online they will try to make you pay over the phone! Not going to happen!!! Plus these collection agency/Comenity Bank people sound so stupid and disrespectful they don't even give you any information about what is going on! The number they call from comes up "Unknown!" Saying I need get an attorney to call. They are manipulative and not helpful more
Photo of Kristin K.
May 20, 2015
This card has a lot of perks, but balances those out with a fairly hefty APR. I have always been a fan of store credit cards that offer exclusive deals to their card holders and Victoria's Secret does a great job of this. However, I would be reluctant to put any purchases on the card seeing as the APR is 24.99%!
Photo of Brittni B.
May 7, 2015
Love this card! I use it often and pay it off each month so the apr doesn't affect me that much. The rewards on this card are awesome! I get $10 back for every 250 points. I shop at "Vickis" a lot so I have been receiving $15 rewards now and have reached black card status. In addition, I am able to easily pay my card online. I can also review my rewards points online and see how many points I need until my next reward. Victoria Secret sometimes has special sales and events for cars members only.
Photo of Haley B.
May 1, 2015
When initially reviewing the card terms, I found them a little confusing, but after further review think that this is a decent store card for a frequent Victoria's Secret shopper who is a smart spender and will pay off their balance in full each month. You accumulate one rewards point for each dollar spent, which with the rewards payout of $10 for every 250 points is kind of like getting 4% cash back rewards. You have the opportunity to triple reward points during sales events throughout the year, so if you are strategic you could get money back at a much faster rate. The biggest downside which is common with more
Photo of Mirelys P.
May 1, 2015
If you frequently shop at Victoria's Secret than this card will work for you. It has tons of perks, you get a lot of rewards. I believe this is the only store card that actually gives you free items frequently, and huge discounts. I got a 50 dollar gift card as a reward while doing my Christmas shopping last year and that was just nice. However there's a reason for my four star rating. The interest is higher than most other cards, so if you can't afford to pay your balance off at the end of the month then I wouldn't recommend it. There's also an annual fee. It's not more
Photo of Steven P.
May 1, 2015
I had my Angel Card not for long and I love it. Even thou he store is made for a woman, I enjoy shopping in here and getting gifts with all the discounts that I receive throughout the year. It has helped me get out of trouble may times in the past and the low credit line I have keeps me on my feet with debt.
Photo of Hannah A.
Apr 20, 2015
I haven't had my Angel Card for long, but I absolutely love it. I love to shop at VS but sometimes it is just too expensive. This allows me to buy what I want and make payments at my own pace. I've gotten a lot of cute clothes and I usually pay more than the minimum payment. This card has helped me boost my credit in the little time that I've had it. I can also earn points to get store credits and I get more exclusive coupons and promos.
Photo of Joshua L.
Apr 17, 2015
Victoria's Secret Credit Card is a pretty decent card if you shop a lot at Victoria's Secret. If you do not shop a lot there than its better to just get a different credit card. The interest rate is higher than most cards, but if you shop there and pay it off quickly its a great deal since you can earn points for future purchases with is great, since Victoria Secret is more on the expensive side. Earning Angel VIP and Angel Forever earns you triple points is also a nice deal, again, this is for those who shop at VS quite a bit
Photo of Norma F.
Apr 15, 2015
Do you get a instant approval? I didn't get denied but it said to wait 7 to 10 days. I applied online.
Photo of Latoshia I.
May 10, 2015
Mine was instant
Photo of Card H.
May 27, 2015
Unfortunately, you’re just going to have to wait. Hopefully you got a positive decision!
Photo of Samantha F.
Jun 9, 2015
This happened to my friend at the store. The lady helping us told her that means she got denied.
View 3 More
Photo of Selena E.
Mar 30, 2015
The VS CC is good for it's intented purpose. It offers great discounts with continued use. So that is the biggest advantage overall because the rest of the rate are pretty much even with other cards. As far as the late fee, grace period and interest rate, no bargains there. VS shoppers will benefit from additions discounts on sales and cash off purchases.
Photo of Kristen J.
Mar 25, 2015
overall i am pleased with my vs credit card. i get great discounts and the interest rate is ok, so i try to pay on time usually trying to take out the whole balance. The incentive with the card is the discounts and their point system, i often get $10-15 off once i accrue enough reward points. my opinion of credit cards isn't great but they definitely give you enough incentive with the rewards and coupons so if you pay your balance down every month your items are actually cheaper than if you used cash.
Photo of Emily M.
Mar 19, 2015
The Victoria's Secret credit card sucks. Never try to pay it online or the will aggressively charge you $25 if the payment does not go through. This can be because you typed a number wrong or they did. They are manipulative and not helpful at all. Comenity Bank is cheap, disrespectful, and takes advantage of anyone they can. I am reporting them to the Consumer Protection portion of the government. They are a disgrace. Do not subject yourself to this manipulation.
Photo of Brianna S.
Apr 5, 2015
EMILY THIS HAPPENED TO ME! And the freaking phone people are no help at all and I SWEAR there is no way that I typed in my info wrong. I mistakenly have tried to make the payment AGAIN online and if it does not show up in my bank by monday i'm going to call and freak out. I refuse to pay another $25 for their shitty system. Ridiculous
Photo of Avelicia R.
Aug 26, 2015
They have done this twice to me!! It's really annoying so I decided to look this up and see if it has happened to others and I was right! What a rip off!!
Photo of Johnnie H.
Mar 16, 2015
I've been considering applying for a Victoria Secret's card and I must say that I'm very pleased after reading some of these rave reviews. I absolutely love to shop at VS rather it be for myself or for someone else its always a pleasant experience. I really like some of the perks that having this card offers such as the points you earn and the early access to the semi annual sales. From what I've learned about the point system of this card I would recieve one point for every dollar I spent. And with today's tough economic system every little bit counts when it comes down to it. I'm more
Photo of Andrea J.
Mar 10, 2015
I really enjoy my Victoria Secret Credit card. I am a frequent shopper so I get a lot of the reward cards in the mail for shipping at their store. Once you acquire 250 points, you get a $10 off coupon. I also get special access to certain specials that they are running and to the semi-annual sale. Although I think the interest rate is a bit high, the rewards that you receive for the card are worth it. I would recommend it to anyone who is a frequent shopper at Victoria Secret!
Photo of Jane S.
Mar 2, 2015
As a frequent Victoria's Secret shopper I was glad to learn that they offered a credit card. With it's easy earning program, I've easily accumulated hundreds of points in little to no time. The $10 reward was an easy earning as was the $15 off. My favorite feature of the Victoria's Secret credit card is having early access to the best money saving Semi Annual Sale! If you are a frequent shopper at Victoria's Secret then this card is essential!
Photo of Nicole W.
Feb 26, 2015
I love the store, and I am so glad I was approved for the VS card! I shop in their store and online all the time, and now I am able to earn rewards for my spending! I love that I get double the rewards on bra purchases, which helped me become an Angel Forever pretty quickly. Another cardholder perk is that I am able to access the Semi-Annual Sale early! Their website is user friendly, and they make it very easy to manage your bill online. The interest rate is pretty high compared to other store cards, but I just make sure to pay it off each month.
Photo of Phuong N.
Feb 24, 2015
they do their best to make you pay as much as possible. They make it really hard to retrieve your username and password. I never got my credit card even though I got approved 6 months ago. They find every single way possible to take your money. If you pay your balance late, $25; got a call from them and agree to pay over the phone? $15 to process the fucking payment. Wtf is that kind of service? You make it hard for me to pay online, then charge me money to help me pay for the balance over the phone?? I expect much better service from such a big company as VS.
Photo of Ed L.
Feb 11, 2015
The Victoria's Secret Card works perfectly for me. It's all about the points. I utilize this like I do my frequent flyer card. I do quite a bit of shopping here and decided to apply for the card. I must say the rewards program is fantastic. I have already redeemed points for gifts. One thing I don't like is the APR, it is high, so I try to pay this card off right away. Stay on top of that. Another thing is that this card is best for one who is good at managing points and makes it a point to shop here to make the card worth your while. more
Photo of Caitlin J.
Jan 12, 2015
Victoria Secret credit card was the best choice I've made! Every dollar you spend you get a point, and once you get 250 points you get a $10 reward! Also, when you sign up for the card you get a coupon booklet in the mail with up to 6 different coupons to use throughout the year including $10 dollars off a bra and $15 dollars off a bra. You can also combine those coupons with secret rewards around Christmas time! It's also very easy to pay your credit card bill either online or in store as well.
Photo of Natalia L.
Jan 6, 2015
Victoria Secret card is great! Yes, APR is a little high, but it's similar to most store cards ( I used to have TJX card, but APR was a little higher). One nice thing about this card is that you also get points that you can spend. Overall, good card, but honestly I wouldn't recommend it simply because APR is so high.
Photo of Lena M.
Dec 30, 2014
Victoria Secret gift cards are great! It makes the luxury pricy bras and lingerie easier to purchase and cheaper to purchase. It is also quick and efficient and as a VIP member, you get coupons, sales and notifications of free gifts once you hit a certain number of points. As someone who shops at Victoria Secret often, being able to achieve points while also shopping was greatly beneficial to me. It is also convenient and easy to use and I am always notified of perks and new clearances. I also am not pressured to pay off my purchases immediately and so that helps with finances as well.
Photo of Dbl B.
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.
Photo of John S.
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
Photo of Chris G.
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
Photo of Kristi V.
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
Photo of Abby G.
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
Photo of Card H.
Feb 2, 2015
You need to be sure you have provided a valid home address in order to receive offers by mail and a valid email address in order to receive offers by email. For further information you can contact customer service at 1-800-695-9478.
Photo of Regan W.
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.
Photo of Steph S.
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
Photo of Angeline F.
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.
Photo of Jenny B.
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!
Photo of Truclinh P.
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
Photo of Heather W.
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
Photo of Johnny S.
Jul 29, 2015
I was contemplating whether to apply for this card or not, but thank you and many others for the review! I am going to pass on this one!
Photo of Britney S.
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
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Last updated on: Sep 2nd, 2015 at 8:16 EDT

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