Victoria Secret Credit Cards: A Comprehensive Review

Victoria Secret credit cards offer a range of benefits and rewards to loyal customers.

You can earn points for every dollar you spend at Victoria Secret, which can be redeemed for rewards like free merchandise and gift cards.

The Victoria Secret Angel Rewards Visa Credit Card has a 25% discount on your first purchase, and you can earn 5 points per dollar spent in the first 30 days.

With a Victoria Secret credit card, you can get free shipping on orders over $50.

The Victoria's Secret Mastercard credit card is another line of credit option that allows you to shop at Victoria's Secret and other places.

This card can be used anywhere Mastercard is accepted, unlike the store credit card, which is only good at Victoria's Secret, PINK, and Bath & Body Works.

You can earn more bonuses when using the card at places other than Victoria's Secret and PINK.

With the Victoria's Secret Mastercard, you can earn 2% back and four points for every dollar you spend on restaurants, travel expenses, and streaming service subscriptions.

You can earn 1% back or two points for every dollar you spend on anything else that doesn't include Victoria's Secret.

There's also a $30 bonus if you spend $500 within the first three months of starting your Victoria's Secret Mastercard credit card program.

Keep in mind that both Victoria's Secret credit cards have high interest rates and penalties if you don't pay on time.

Victoria's Secret credit cards offer a range of benefits and perks to their cardholders.

One of the most significant benefits is the rewards program, where you earn 1 point per $1 spent at VS stores, PINK stores, and victoriassecret.com. This can add up to some serious savings over time.

Triple points on eligible bra purchases are also a great perk, earning you 3 points per $1 spent on bras. This is on top of the regular 1 point per $1 spent, making it a total of 4 points per $1 spent on bras.

You can also choose your triple points day(s) within 90 days of making a purchase, which can be a great way to maximize your rewards. The number of triple points days you get corresponds to your tier status, with Angel members getting 1 day, Angel VIP members getting 2 days, and Angel Forever members getting 3 days.

Another benefit is the free shipping on purchases that include bras, which can be a huge time-saver. To apply free shipping, simply use promo code JUST4ANGELS at checkout.

Here's a breakdown of the rewards program tiers:

In addition to these benefits, cardholders also receive a $15 off a future purchase as a sign-up bonus, a "Little Book of Exclusive Perks" with up to $65 worth of savings in coupons, and a free shipping on purchases that include bras.

The Victoria's Secret Angel Rewards Program is actually pretty popular — if you shop at VS a lot, you're bound to reap benefits.

You can earn rewards with the VS Angel Card, and there are three VS Angel Card rewards statuses to keep track of.

The 3 VS Angel Card rewards statuses are:

If you shop frequently, you'll likely move through these statuses quickly.

The Victoria's Secret Credit Card has its share of fees and drawbacks. The card doesn't offer special financing options, which is a major drawback for those who want to make larger purchases.

The annual fee is $0, which is a big plus for those who want a no-annual-fee credit card. However, this doesn't mean you're off the hook for other fees and penalties.

The purchase APR is a whopping 27.24% variable, which is a very high interest rate. This means you'll regret carrying a balance if you don't pay it off in full each month.

You'll also be charged a minimum interest of $1, which may not seem like a lot, but it can add up over time. Late payments will incur a fee of up to $39, and returned payments will cost up to $25.

To avoid these fees and penalties, it's essential to be a responsible cardholder. This means making payments on your statement each month, always making payments on time, and paying off each statement balance in full (or paying as much as you can).

Here are some specific tips to help you avoid these fees:

If you're a die-hard VS shopper, you might not mind the limitations of this card. However, if you want to earn cash-back, travel rewards, or points on everyday spending categories, this card might not be for you.

You can sign up for a Victoria's Secret Credit Card if you love shopping at Victoria's Secret. You'll get $25 off on your first purchase after card opening.

To take advantage of the benefits, you'll need to apply for the card, which is a relatively straightforward process.

The card offers monthly exclusive offers and invites, as well as early access to sales and other Angel-only perks.

To apply for the Victoria's Secret Angel Card, you can visit their website at vsangelcard.com or stop by a Victoria's Secret or PINK store during your next shopping trip.

You can also apply in-store, and if you've shopped at VS before, you've probably already been pitched this card!

The minimum credit score needed for approval isn't explicitly stated by VS or Comenity Bank, but credit card review websites suggest a "fair" or better credit score is likely required for approval.

The Victoria's Secret Credit Card has a variable APR of 20.49% - 27.49%, and there are no foreign transaction fees.

Here are the key features of the Victoria's Secret Credit Card at a glance:

The Victoria's Secret Credit Card is a great option for frequent shoppers at the store. You get $25 off on your first purchase after card opening.

One of the best perks of the card is the free shipping on purchases over $50. This can be a huge money-saver, especially if you're buying a lot of items at once.

As a cardholder, you'll also get monthly exclusive offers and invites, as well as early access to sales. This can be a great way to snag deals before they're available to the general public.

The only drawback to this card is that it can't be used outside of Victoria's Secret, so no travel protections are available except for theft protection. This might be a consideration if you're planning to use the card for everyday purchases.

If you're considering the Victoria's Secret Mastercard Credit Card, you might also want to explore other options that offer flexible rewards. The Citi Double Cash Card, for example, earns a flat 2% cash back on every purchase, with no annual fee.

This card is a solid choice for earning more on every purchase, including those at Victoria's Secret and Pink. The Citi Double Cash Card is a great option if you're looking for a straightforward cash back rewards program.

Alternatively, if you want to maximize spending in popular categories, the Blue Cash Everyday Card from American Express is a good option. It earns cash-back rewards at an elevated rate across multiple everyday spending categories, including groceries, U.S. online retail purchases, and gas at U.S. gas stations.

Here are some key features of these competitor cards:

This card offers a decent cash back rate, giving you 4-6.6% back in Victoria's Secret credit per $1 spent, with the potential to triple that up to three times a year and on bras.

The maximum cash back on this card is actually much higher, at 60%, if you buy exclusively bras and take advantage of the triple points promotion.

You'll need to spend a significant amount to reach the Forever status, which requires $112 at 9 points/$1 to redeem points at 6.66¢ each.

The card comes with some nice promotional offers, including $20 towards your next purchase and free shipping on future orders.

However, it's worth noting that the card has no sign-up bonus, which means there are likely better options available.

If you're considering the Victoria's Secret Mastercard Credit Card, you might be wondering what other options are out there.

The Citi Double Cash Card is a solid option that earns an easy 2% cash back on every purchase, with no annual fee.

The Blue Cash Everyday Card from American Express earns cash-back rewards at an elevated rate across multiple everyday spending categories, including 3% cash back on groceries at U.S. supermarkets.

The Chase Freedom Flex earns 5% cash back on up to $1,500 in rotating categories each quarter you activate, so you'll be earning more across a variety of your expenses without an annual fee.

If you're looking for a flat-rate cash back card, consider the Citi Double Cash Card, which earns 2% cash back on every purchase. Alternatively, if you want to maximize spending in popular categories, the Blue Cash Everyday Card from American Express is a good choice, with elevated cash-back rewards at U.S. supermarkets and online retail purchases.

Here's a quick rundown of these cards:

The Victoria's Secret Mastercard Credit Card offers a decent earnings rate at Victoria's Secret and Pink stores, but rewards are limited to low-value redemptions.

You can use your Victoria's Secret Mastercard anywhere to earn points that add up to rewards, but you're almost certainly better off with a card that earns more flexible rewards at a better rate.

The card's rewards are highly restrictive and offer little value, unless you're extremely loyal to the brands. The Victoria's Secret Mastercard is issued by Comenity Bank and has no annual fee, but it does have a recommended credit score of at least 670.

You can earn up to 60% cash back on Victoria's Secret purchases, but only if you buy exclusively bras and lump them into one day that you apply triple points to. This kind of margin might be good enough to support resale on eBay or similar.

The card comes with no sign-up bonus, so there are much better options available. However, you can use the shopping cart trick to get it without a hard pull, which might be a good option for those who have bad credit and want to get a store card to try and improve it.