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Victoria's Secret Store Card

Victoria's Secret Store Card
Required Credit Score: Excellent, Good, Fair
4 205 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
N/A
  • 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
 
4.2
Overall Rating: 4.2 / 5
Total Ratings: 205
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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.
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
Nov 11, 2013
Photo of Krystal M.
5
By:
I use my Victoria's Secret Store Card quite often! I liked the initial bonus of $15 that I received. You don't need the best credit to be able to qualify for it either. I love their rewards point system and I think it's well above average compared to other store cards. You earn double points on all bra purchases, even bras on clearance! With 10 off for every 250 points, saving money adds up quickly! Once you earn 500 points you get more exclusive offers and if you hit 1000 points you get upgraded to forever status and receive unbelievable deals! You also receive birthday and anniversary gifts. Their interest more
Nov 4, 2013
Photo of Richard T.
4
By:
The Victoria's Secret store card (or Angel Card) has a lot of interesting bonuses. You accrue points at a fairly mediocre 1 point per dollar spent, with a max of 2 points per dollar on certain purchases, making your maximum reward slightly under 5%. However, it also comes with early access to sales, a booklet of coupons to use during the next year, and small gifts on your birthday and card anniversary. You'll also get certain offers exclusive only to card members, like recently when they gave out random coupons to any card member making a purchase over 10 dollars, with the coupon values ranging from 10 to 100 dollars. more
Oct 31, 2013
Photo of Kevin L.
4
By:
The Victoria's Secret credit card offers several positive incentives. I like how the card grants new customers a $15 credit. I also like the point system and that there is not a limit. I have another credit card where you are offered points with purchases that can be later turned into rewards. You are also rewarded with gifts and receive discounts and special offers through the card.
One negative about the Victoria’s Secret credit card is the high interest rate at 25%. I also do not like how there is no lower intro rate or interest free period if balance is paid off by a certain period.
Oct 25, 2013
Photo of Jennifer C.
5
By:
If you shop at Victoria's Secret at all, this is a great card to get. I would recommend this card to any person who regularly shops at this store. The coupons that are sent in the mail are valuable at most any time. The coupons usually include a free item as well. I also like the fact that there is the possibility of gaining better rewards with the card the more you use the card. The higher tiered angel cards allow VIP members special coupons, as well as promotional events only available to them. These rewards are what makes me like the card, despite its somewhat high interest rate.
Oct 18, 2013
Photo of Shawn P.
5
By:
If you or anyone you love for is a Victoria Secret’s fan, the Victoria's Secret Store Card is a definite must have card. You will get $15.00 off your first purchase which is a significant bonus. On top of that initial cash back bonus, you will earn points on all of your purchases, including double points on all bra purchases as well as clearance items as well . You get a $10 reward for every 250 points earned. The interest rate on this card is about the same as other credit cards available. There are many perks in having the Angel Card is most definitely a “must have” card for more
Oct 17, 2013
Photo of Jenna B.
5
By:
I think the Angel card is definitely worth having. It is one of the only store cards I have that I find worth the hassle because of the exclusive deals. I have gotten so many free gifts from point accumulation and angel card coupons. Victoria Secret really knows how to reward their returning customers and keep them coming back. I also enjoy that they “promote” their customers and give them new cards. Plus, when I have had to make a return they have great customer service and immediately take the charge off of my account. However, because of the high APR, I have never left a balance on the card. more
Oct 16, 2013
Photo of Kate C.
4
By:
I wasn't sure about this card at first, but the benefits are worth the interest rates. You accumulate points for every purchase and regularly get special offers and coupons via email. You also immediately get signed up for a birthday gift card (which is so much fun to spend, let me tell you!). Their customer service is fantastic! When I had a question about my bill, I called and immediately got a rep who spoke CLEAR English and was able to not only fix my issue, but explain all the ins and outs of my bill to me. It was very reassuring. Overall, I'd had a very satisfying experience with more
Oct 15, 2013
Photo of Lily Y.
4
By:
As a female I always wanted this card, it is pink and pretty. The other reason I like this card is the alerts. I get deals from this card. During the holidays I get alerts about the secret rewards card. You get a card and you later get to redeem it, and it could be $5- $500. I used this card during the semi annual sales and I use it when the panties are 8 for $25. My favorite thing about the card is the anniversary and birthday gifts. I find it is so easy to earn rewards. I don't use this card super frequently but I have kept it more
Oct 8, 2013
Photo of Bela K.
5
By:
I love the Victorias Secret Credit Card because I often make purchases at Victorias secret. Along with great credit card discount offers, you will receive a lot of coupons in the mail that are exclusively for shoppers who hold this credit card. I feel exclusive and important having this card. There is absolutely no over limit fee, which is awesome. There is also no penalty APR. This is very helpful for a shopper like myself. The grace period is good; 25 days. This is one of the positive things for me. The only thing I don't like, and who does, is the thirty five dollar late fee. I would recommend more
Oct 4, 2013
Photo of Jane L.
4
By:
The Victoria's Secret credit card is a good option for those seeking a first-time credit card and frequent shoppers of the store. The initial $15 bonus is enticing, as well as the birthday gift offer. If you like coupons and finding good deals, the promotional offers for signing up might be worth it all on their own! It's nice that the card offers rewards points and dollar discounts once you have accumulated enough points. However, the points offered are not as high as with some other store cards, such as Old Navy. The interest rate is also a bit high, but that is the case for most store cards. If more
Sep 26, 2013
Photo of Ben M.
4
By:
My wife has the Victoria Secret Credit card, which believe me I have no problems with, because she loves the perks that come with this card. She's always getting coupons and stuff like which encourages her to spend money at the store and get the most savings possible. While I personally wish that you would get the savings in the form of a statement credit or gift card elsewhere, this card is great if you do a lot of shopping at Victoria Secret. That said, there is no better way to save money at Victoria Secret than signing up with their card. Even basic credit cards give 1-2% back TOPS more
Sep 23, 2013
Photo of Judy C.
3
By:
At the beginning of the sales pitch i felt it was the same as other cards. then as the information became better known, there good and bad responses in my brain. first, i don't like a card that is good for only one particular store. the first thing you know you have several cards to pay on and i don't like this. i like to keep one card open and one balance going but pay off each month. their interest rate is extremely high to carry over a balance. i do not know what my other cards charge for interest rates because i pay everything off each month. they were more
Sep 19, 2013
Photo of Tao A.
4
By:
The Victoria's Secret store card has a ton of perks! It's a great card for anyone who shops there regularly, as the rewards stack up pretty quickly. With double points on bras, it averages out somewhere between 5-10% cash back (depending on what you purchase of course). You also get birthday gifts and exclusive offers, early access to sales, and a few nice intro offers like $15 off your first purchase. All these little details add up to make this a unique and great store card. The only downside is that it is a store card so, like most of them, the interest rate is rather high.
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Oct 9, 2012
Photo of Lorene P.
By: Lorene Price
I was checking reviews online about vs angel credit card and found this site thru http://angelcreditcard.net and after reading some of the comments in here shared by users I might get one for myself. Thanks
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Last updated on: Mar 25th, 2014 at 9:31 EDT