
If you're looking for a pink credit card that won't break the bank, consider the Citi ThankYou Preferred Card, which offers a 0% intro APR for 21 months on balance transfers.
The Discover it Cash Back card is another great option, with a cash back rewards rate of 1-5% on various purchases. It also offers a sign-up bonus of $150 or 5% cash back on gas and restaurants for the first year.
The Chase Freedom Unlimited card is a solid choice for those who want a simple, no-fee credit card with a 0% intro APR for 15 months on purchases and balance transfers.
Pink Credit Card Overview
The Pink Credit Card is a unique option for those who want to give back while earning rewards. Half the annual fee is donated to the McGrath Foundation every year you hold the card.
You'll still be charged interest on purchases while you have a balance transfer, so it's essential to pay off your balance in full each month if possible.
Requirements and Limitations

To get a pink credit card, you'll need to meet the issuer's creditworthiness requirements, which typically include a good credit score and a steady income.
A credit score of 700 or higher is often required, as issuers view this as a sign of responsible credit behavior.
You'll also need to have a steady income, which can be demonstrated through employment or other forms of income verification.
Some issuers may also require a minimum income level, which can vary depending on the issuer and the type of card being applied for.
Minimum Purchase Requirement Applies
Minimum purchase requirements can be a catch when it comes to redeeming perks with the Victoria's Secret credit cards.
A minimum purchase greater than $25 is required to redeem your $25 reward toward your first credit card purchase. This is a reasonable requirement, but it's not the only one.
For the rest of the discounts, the minimum purchase requirement is not disclosed upfront. You'll only find out after you already have the card.
In fact, Victoria's Secret won't reveal the minimum purchase requirement for the $10 birthday discount, $15 half-birthday discount, or the card anniversary discounts until after you've received the offer by email.
Rates & Fees
Understanding the rates and fees associated with a credit card is crucial in making an informed decision. The annual fee on some cards can be a significant expense, but it's not the only thing to consider.
The $50 annual fee on certain cards is competitive with other low-rate credit cards. However, it's worth noting that half of this fee is donated to charity, which can be a nice bonus.
If you pay off your total outstanding balance by the due date on each statement, you'll get up to 55 days interest-free on purchases in the next statement period. This can be a great way to save money on interest charges.
However, interest-free days don't apply to cash advances or balance transfers, so be sure to keep that in mind. It's also worth noting that interest charges will apply from the date of the transaction if you use your card to withdraw cash overseas.

A fee of 3% applies when you use your card overseas or online with a business that processes the payment overseas. This can add up quickly, so it's essential to factor this into your budget.
If you need to withdraw cash overseas, you'll pay a fee of 5% per withdrawal. Interest charges will also apply from the date of the transaction, so be sure to plan accordingly.
Here are some key rates and fees to keep in mind:
- Annual fee: $50 (competitive with other low-rate credit cards)
- Interest-free days: up to 55 days on purchases (if you pay off your balance by the due date)
- International transaction fee: 3% (when using your card overseas or online)
- Overseas cash advance fee: 5% per withdrawal (plus interest charges)
Using the Card Wisely
To maximize the benefits of a pink credit card, it's essential to understand the rewards and cashback structures. The article notes that some pink credit cards offer 3% cashback on dining purchases, while others provide 2% cashback on gas.
The cashback rewards can add up quickly, especially if you use your card for daily expenses like groceries and transportation. For instance, if you spend $1,000 per month on groceries, a 3% cashback rate can earn you $30 in rewards.
However, it's crucial to pay off your balance in full each month to avoid interest charges. According to the article, some pink credit cards have an interest rate as high as 25.99% APR.
By setting up automatic payments and tracking your spending, you can stay on top of your finances and make the most of your pink credit card benefits.
Rewards and Benefits
The Victoria's Secret Mastercard Credit Card offers a decent return on purchases at Victoria's Secret and Pink stores, with 20 points per dollar spent. However, these points are highly restrictive and only redeemable as discounts on purchases at Victoria's Secret and Pink.
Rewards are only worth 0.5 cents apiece, which is relatively low compared to other credit cards. You'll get a $10 reward for every 2,000 points accumulated, but points expire 90 days from when they're issued.
If you're a frequent shopper at Victoria's Secret and Pink, this card might be worth considering, especially if you spend big on Bombshell bras. You'll earn 4 points per dollar spent on dining, travel, and streaming services, and 2 points per dollar spent on all other purchases.
Here's a quick breakdown of the rewards rate earned for various purchase types:
The Community First Low Rate Pink credit card offers a more flexible rewards program, with the same low interest rate of 8.99% p.a. on purchases, cash advances, and balance transfers.
Big Spenders and Bra Shoppers Earn More
Big spenders and bra shoppers earn more rewards with this card, especially if they're buying a lot of bras. The average bra on the Victoria's Secret website retails for around $50.
If you're a frequent bra shopper, you could earn well-endowed savings. For example, if you buy at least 15 bras per year, you could earn a significant amount of rewards.
Here's a breakdown of the rewards rate earned for various purchase types:
The rewards rate varies based on tier status, which is determined by how much you spend.
Rewards Earning and Redemption
You can earn rewards on the Victoria's Secret Mastercard Credit Card by making purchases at Victoria's Secret and Pink stores, as well as on dining, travel, and streaming services. You'll earn 4 points per dollar spent on these categories and 2 points per dollar spent on all other purchases.
One of the benefits of the PINK Credit Card is that cardholders can earn 3x points on bra purchases, in addition to the standard points earned on other purchases. This can be a great incentive for frequent shoppers.
To redeem rewards, you'll need to accumulate 2,000 points, which is equivalent to a $10 reward. This means that points are effectively worth 0.5 cents apiece.
Here's a breakdown of the rewards earning structure:
Rewards are only redeemable as discounts on purchases at Victoria's Secret and Pink, and they expire 90 days from when they're issued. This means you'll need to use your rewards when you get them or risk losing them.
Benefits
The Community First Low Rate Pink credit card is a great option for those who want to support a good cause while enjoying some great benefits.
You'll be happy to know that $25 of the annual fee is automatically donated to the McGrath Foundation each year. This unique credit card partnership helps support breast care nurses that look after people experiencing breast cancer.
One of the standout features of this card is the balance transfer offer, which lets you transfer an existing debt and save with 0% interest for the first 12 months. If you don't pay it off in full by the end of the introductory period, any remaining debt will attract the 8.99% p.a. interest rate.
This card also offers a low and consistent interest rate of 8.99% p.a. on all transactions, including purchases, cash advances, and balance transfers. This makes it easier to keep track of interest charges and your balance.
You can manage your account easily via Internet banking or with the Community First mobile banking app. This card is also compatible with Apple Pay, Samsung Pay, and Google Pay for contactless payments through your smart device.
Here are some of the key benefits of the Community First Low Rate Pink credit card:
- $25 of the annual fee is donated to the McGrath Foundation each year
- 0% interest on balance transfers for the first 12 months
- Low and consistent interest rate of 8.99% p.a. on all transactions
- Internet and mobile banking available
- Compatible with Apple Pay, Samsung Pay, and Google Pay
Card Details
Pink credit cards are a unique and stylish way to make a statement with your finances.
Some pink credit cards come with rewards programs that offer cashback or points for every dollar spent, such as the Chase Sapphire Preferred Card, which offers 2X points on travel and dining purchases.
You can use your pink credit card to make online purchases, pay bills, and even withdraw cash from an ATM.
Comparison and Review
The Community First Low Rate Pink credit card is a standout option for those looking for a low-interest rate. Its 8.99% p.a. variable interest rate is very competitive with other low-rate options.
One of the unique features of this card is that its interest rate applies to balance transfers and cash advances, making it easier to keep track of interest charges. This can be a big advantage for those with balances from multiple transactions.
If you're considering this card, you may want to check out the Community First Low Rate Pink credit card information PDF and TMD for more details.
Which Compete with Victoria's Secret?

If you're looking for alternatives to the Victoria's Secret Mastercard Credit Card, there are several options to consider. The Citi Double Cash Card is a great option for earning flat-rate cash back, with a 2% cash back reward on every purchase.
This card earns 1% as you buy and 1% when you pay, with no annual fee. The Blue Cash Everyday Card from American Express is another option to maximize spending in popular categories, offering 3% cash back on groceries, U.S. online retail purchases, and gas at U.S. gas stations.
The Blue Cash Everyday Card also comes with no annual fee, making it a solid choice. The Chase Freedom Flex Card is a good option for those interested in rotating bonus categories, earning 5% cash back on up to $1,500 in rotating categories each quarter you activate.
Additionally, the Chase Freedom Flex Card offers 3% cash back on dining and drugstore purchases.
Our Verdict

The Community First Low Rate Pink credit card's interest rate is very competitive, coming in at 8.99% p.a. variable.
This rate applies to balance transfers, cash advances, and regular purchases, making it easier to keep track of interest charges.
The card's competitive interest rate is a major selling point, especially when compared to other low-rate options.
This card's unique feature of applying the same interest rate to different types of transactions is a game-changer for those with multiple balances.
Here are some key details to consider:
- Community First Low Rate Pink credit card information PDF
- Community First Low Rate Pink credit card TMD
Frequently Asked Questions
What company has a PINK credit card?
Victoria's Secret offers a PINK credit card, which can be used for purchases at VS or PINK locations. This credit card provides a $25 discount on the first purchase.
What credit score is needed for a PINK credit card?
To be approved for a PINK credit card, you'll need a credit score of at least 640, indicating fair credit. Check your credit score and learn more about the PINK credit card's benefits and requirements.
Sources
- https://www.nerdwallet.com/article/credit-cards/victorias-secret-credit-card
- https://wallethub.com/answers/cc/what-are-the-levels-of-pink-credit-card-2140825313/
- https://communityfirst.com.au/products/pink-credit-card
- https://thepointsguy.com/credit-cards/reviews/victorias-secret-credit-card-review/
- https://www.finder.com.au/credit-cards/community-first-bank-credit-cards/mcgrath-pink-visa-credit-card
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