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Victoria's Secret Credit Card

victorias secret credit card
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380 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.
Existing Cardholders
Change my rating to: Excellent

Victoria's Secret Credit Card’s Rewards

50 points
Base Earn
1 point / $1
Max Earn
3 points / $1
  • Get 50 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
  • Get 6 months of offers worth up to $100
  • Triple points on all bra purchases
  • Early access to the Semi-Annual Sale
  • Angel Forever status when you earn just 1000 points
  • A $10 Birthday Reward each year your card is active
  • Free shipping on all purchases that include bras

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

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
25.24% (V)

Victoria's Secret Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   25 days
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at Comenity Bank’s
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Customer Questions and Answers

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Do you have to spend a certain amount each month? Will you get charged something if you go a while without buying anything?

Photo of Card H.
Jan 12, 2016
No, this card doesn’t have any sort of monthly spending requirement or account inactivity fee. So if you were to lock your card in a drawer without making a single purchase, you wouldn’t be charged a thing. The same would be true if you made some purchases, paid for them in full by the due date and then didn’t use your card for a few months after that. Of course, if you didn’t pay the full amount owed by the due date and thus carried a balance into the next month, you would be assessed interest on that unpaid amount, regardless of whether you make any new purchases thereafter. Please more
32 Votes 64 32

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

Photo of Card H.
Jan 12, 2016
You will receive a billing statement that will include all the transactions made in a specific period of time and you will need to pay it by the due date that will be specified on that statement.
5 Votes 17 12

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. Many credit card companies will close your accounts after 6 months of inactivity. I am more

Photo of Card H.
Jan 12, 2016
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.
5 Votes 45 40
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Customer Reviews

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

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3.9 out of 5

380 reviews
Photo of Card H.
Apr 28, 2016
The Victoria’s Secret Credit Card is a wonderful way to pull down your underwear spending. It gives you 1 point per $1 spent on all Victoria’s Secret purchases except bras, which yield 3 points per $1. That equates to 4% and 12% cash back, respectively, considering 250 points can be redeemed for a $10 or $15 gift certificate, depending on your rewards tier. You will also receive a $10 to $15 birthday, the ability to schedule “Triple Points” Days and access to special sales.

This card can be used to make only Victoria’s Secret purchases, so it’s not going to be your everyday spending vehicle. But it will enable you to more
Photo of Ting C.
Jun 4, 2016
You need 250 points to get a $10 dollar discount on the next purchase at victoria secret. It's $1 for 1 point, except there's triple points on bras. It's not a cash back card, it's more of a discount on future purchases. For example, spent at least $84 dollars in bras not counting taxes, and you'll get a $10 dollars discount. BAD: When you activate your new credit card, they forces you to speak to a person who will try to sell you account assure service. Other credit card companies have an automated system with no fuss, I truly find this sales tactics very disturbing.
Photo of Andrea M.
Apr 21, 2016
I signed up for this credit card thinking it was a rewards card because the person attending me did not tell me this was a credit card. I found out by mail when i got my statement. I canceled it soon after and now i have a poor credit score.
Photo of Carmen L.
Feb 23, 2016
The points expire after 12 months. But if you plan to buy at least a 100 dollars of bras per year from vs, it's quite worth it, as it does work out to approx 12% back in points. however if you don't buy their bras that often, you're better off buying vs gcs at your local grocery store and using the 4% bonuses that way.
Photo of Kathy K.
Jan 18, 2016
I like the rating and the nice reviews.
Photo of Ashley M.
Jan 10, 2016
I didn't have an issue with the card until I received a phone call telling me my payment was overdue and that I was charged a late fee for not paying. I told the lady that I had not received a bill in awhile so I figured I no longer had a balance. I receive all of my bills via paper still and since I hadn't received one in awhile, I figured I had already paid the bill and everything was squared away. The lady then informed me that I had signed up for paperless billing.. something I am always offered with every credit card, but never do. I don't more
Photo of Mailia T.
Mar 19, 2016
I love the card and I manage my finances very well. If you remember everything you spend, you shouldn't have any issues with credit cards. You can always log into the c.comenity website to check any statement balance that you owe. They give you PLENTY of time to pay it off too. Money you've spent using you're credit card will never and has never just disappeared if you don't receive a paper bill. If it does disappear, that means it was sent to collections, which is one of the worst things that can occur for your credit. VS is one of the easiest cards to understand. Simply write it down, more
Photo of Samantha S.
Apr 19, 2016
Malia, people are different, not every one remembers every single purchase they make in a month. If you have a job and have company expenses as well as personal to deal with, you rely on a preferred billing preference to pay bills. Ashely, I had the same experience around the time you did. I pay all my bill and have great credit however the fact that they neglected to mail out bills for December or they were lost or whatever caused an issue for me as well. They did refund the late fee but have reported a late payment to all three credit bureaus. I will be getting rid of more
Photo of Tom S.
Dec 26, 2015
My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop for my girlfriend 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.
Photo of Ella L.
Dec 26, 2015
I like that the Victoria's Secret Angel card is so easy to get approved for. Their customer service is top notch, and very helpful if you call in to ask a question. The rewards are easy to rack up from simple purchases, and you get mailed out quarterly coupons and promotions to use either in store or online. They quickly upgraded me to the VIP card after only using it for a year or so, which came with even better perks like Annual Sale discounts and monthly coupons in the mail!
Photo of Kelly T.
Dec 17, 2015
This card was very easy to apply for, and it made purchasing in store and online almost instantaneously available. Although the interest rate is a bit high for my taste, if one stays on track with payments, there are several perks that you can enjoy.

Dealing with customer service and their payment portal is easy as well. I have never had a problem finding a friendly associate or making a payment through their system. I find it a joy to deal with them.

Perhaps the best thing about this card is the perks system. They send free coupons, items, and specials to me each month. I am consistently surprised and pleased more
Photo of Carrie D.
Dec 17, 2015
As a fairly frequent shopper, I got this card to build my credit. I didn’t have much at all, but it was pretty decent. Since I’ve gotten it, I’ve been able to raise my credit score by several points, which is wonderful for me, as I am looking into purchasing a car. This is a great starter credit card for young women!
Photo of Sandi R.
Sep 2, 2015
What was ur credit score when u applied
Photo of Kelli P.
Dec 13, 2015
I don't actually shop at Victoria's Secret too often, I just wanted another card to help me build credit, but I now know that this was absolutely NOT the card to do that with. The interest rate is just ridiculous - 25%!!!!!. I feel so stupid for not checking before I applied.

I do like how there's no annual fee, so I've kept it open and just put a coffee or two on it each month and be sure to pay it off.

However, it has helped my credit score enough that I think I can get a better card somewhere else with a much better interest rate. more
Photo of Jennifer H.
Apr 27, 2016
What Victoria's Secret sells coffee?
Photo of Shauna B.
Dec 9, 2015
I love my VScard and I've found the best way to pay it is in store they will take the payment with no fees it takes three business days to post but it's very convenient. I've had my card for three weeks and have already hit forever Angel status. I love VS
Photo of Maggie B.
Dec 9, 2015
Have been a customer since 2003, and the last time I bought something was July 2015, thought I paid it off but apparently I had a $2 balance and ended up paying an extra 71 because apparently I was 2 months late but never received my statements and apparently it's my fault. This is the 2nd time they have done it and I have NEVER received a statment. No incentive to not get a card they will make up charges and apparently send you statements which I've never gotten but my address was correct?!! To bad victorias secret lost a customer guess they wipl have to continue to market more
Photo of Pe T.
Dec 1, 2015
I been using my vs credit card and i like it to get early access but im hoping soon they would let us get our reward points on the credit card as well instead of having to wait to get the reward in the mailed. It been a coupons weeks and i havent receive my october rewards
Photo of Tianyi Z.
Nov 12, 2015
Don't maintain any balance on this card! I'm a foreigner and I don't usually bother to read the whole bank policy when I apply for and use a credit card. I just make sure to avoid any late minimum payment. BUT, this victoria secret card will give extra financial charge even when you never missed any minimum payment. BE CAREFUL!
Photo of Shelley B.
Nov 11, 2015
Shoppping at VS is always a pleasure, and this card is a fun and easy way to get all kinds of rewards and extras and incentives, but please be warned that this card is only for those who are very strict about their spending. To get value out of this card, you must - MUST! - pay off the card in full each month and never carry a balance. This is because this card carries an enormous interest charge, just utterly ridiculous. It's frankly a very bad deal to carry any sort of a balance because you will pay through the nose and it won't be worth any of the more
Photo of Trisha W.
Nov 5, 2015
I love shopping at Victoria's Secret and earning points for doing so! The reward system is great, and you get lots of coupons (potentially). Unfortunately, I have had some bad luck with the card. First, the card was never sent to me. I did not receive the little book of offers nor the birthday reward. I called to ask for it to be sent and there was a mysterious $200 charge on my card! The fraud department at Comenity bank took care of it, which was very nice. I also requested the book of offers, and was told that it would be sent right out, but it still has not more
Photo of Danny W.
Oct 31, 2015
I love using this card, not only does it look great but it has so many great benefits. There are a lot of great ways to earn bonus points and it's great that you can get 50 points just for registering. If you shop at Victoria's Secret as much as I do you will definitely see the benefits pile up for this Victoria's Secret credit card.
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 Vanity H.
Oct 27, 2015
I thought there wasn't an annual fee?
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 5 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 Anush V.
Nov 12, 2015
I got late fee of $25 too. When I called they credited only the half. I was told that they would NOT be able to credit the other half for no reason. Also, if that happens again, they would do nothing for 18 months as the courtesy credit applies only for every 18 month. This is hilarious. So disappointed.
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!
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Last updated on: Sep 22nd, 2016 at 1:56 EDT

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