Victoria's Secret Credit Card Review

Written by Robert Ferry on August 17, 2022
Victoria's Secret Credit Card Review

Victoria's Secret Store was established in 1977. The primary purpose behind the creation is to provide a comfortable place for men to buy lingerie for their wives. With progress, Victoria's Secret built its more than 1,000 stores. VS store is considered the largest women's lingerie provider in the United States of America. Victoria's Secret has earned an excellent reputation throughout the years.

Victoria's Secret has been credited for developing the lingerie market in America over the years with significant progress. The American Lingerie market is worth more than $12 billion annually. The headquarter of the store is in Columbus, Ohio. Victoria's Secret is the largest seller of womenswear and beauty products such as perfumes, lotions, swimsuits, and clothes.

The Victoria's Secret Credit Card is a good choice for earning rewards, deals, savings offers, and many other perks. With the card, you can access special events and new lines. It is a closed-loop card that can only be used at Victoria's Secret and Pink stores. Cardholders can also use the card at Bath & Body Works stores but cannot get Angel Rewards from these stores.

The issuer of the Victoria's Secret Credit Card is Comenity Bank. The card has three loyalty levels known as card tiers. You will get these tiers according to your spending habits. The three-level tiers of Victoria's Secret Credit Card are Angel, Angel VIP, and Angel Forever. All these tiers offer different perks and rewards according to purchases and credit limits.

Victoria's Secret Credit Card has exclusive offers for new cardholders and frequent users of Victoria's Secret. Unlike other store cards, VS credit card has many perks for its card members. You can get bonus points, rewards, Angel rewards points, easy transactions, and many savings offer with Victoria's Secret Credit Card. Read the article to understand deeply about the card.

Features of Victoria's Secret Credit Card

Victoria's Secret Credit Card offers several amazing perks and benefits to card members who frequently shop at Victoria's Secret and Pink stores. First, we will provide highlights of its features, and then you will have each element explained in detail.

  • Rewards rate:
    • 3x points on bra purchases at VS and Pink stores
    • 1x points on all other VS purchases
  • Welcome Offer: $25 savings on the first purchase
  • Recommended credit score: Fair to Good
  • Purchase Intro APR: None
  • Balance Transfer Intro APR: None
  • Regular APR: 25.99%
  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Balance Transfer Fee:
  • Late Penalty fee: $39 or above
  • Best for Frequent shoppers of Victoria's Secret and Pink store

Welcome Offer

Victoria's Secret Credit Card offers a thank you gift to its new card member. With this welcome Offer, users get $25 off on their first purchase made with the card. The card also has a "Little Book of Offers" through which you can make savings of $65 or more.

Triple-Point Days

All cardholders can avail of the triple-point Days offer. The card offers users the chance to select three days for earning triple points on all purchases every year. Users can earn triple points on these three days with their Victoria's Secret Credit Card.

Users who have Angel Tier can get one triple point day, and card members with Angel VIP membership can get two triple point days. Moreover, card members who have Forever Angel tiered cards can get three triple-point days. Users have to make contact with Victoria's Secret to earn a point on a specific day.

No Annual Fee

Victoria's Secret Credit Card is a store card by Comenity Bank that charges no annual fee. If a card has no annual fee, you are free to make purchases without worrying about any membership fee. You can easily use the card and avail of its perks and benefits. Enjoy the card with your purchases and spending without balancing any annual fee. If you make your balance payments on time, you can keep the card at home and pay online with the online website of Victoria's Secret.

Birthday Gifts

Victoria's Secret Credit Card offers birthday gifts to its cardholders. Users with or without Angel tiers get this birthday gift offer. You just need to be an active member of the Victoria's Secret Credit Card. These birthday gifts contain bonus points, rewards offers, or a reward certificate that you can use on your future purchases.

The card offers birthday gifts to card members who joined Victoria's Secret at least two months ago. It means you have to sign up for the card a minimum of two months before your birthday if you want to have this birthday offer.

Angel Tiers

Victoria's Secret Credit Card has different tiers that offer multiple benefits and rewards. These tiers are:

  • Angel Tier: This tier is the status of card members who get more than 250 or less than 500 points every year.
  • Angel VIP: This tier is the status of card members who get more than 500 and less than 999 points yearly.
  • Angel Forever: This tier is the status of card members who get more than 1000 points every year.

The reward offers with these Angel tiers are automatic. As soon as you get the limited points, the card will provide you with the status of the next tier. You must balance your spending to get the upgraded tier and exclusive reward offers.

Free Shipping on $50+

Victoria's Secret Credit Card offers its card members the chance to get free shipping for their purchases of $50 or above. When you purchase $50 or more, you can avail of this Offer for the next purchase. You have to use code JUST4ANGELS or ACSHIP50 on the purchase of Victoria's Secret products. With these codes, you can redeem your free shipping offer.

Advantages

Frequent users of Victoria's stores and Pink stores can get benefits and save money from their Victoria's Secret Credit Card. The benefits of the Victoria's Secret Credit Card are as follows:

  • New cardholders can earn $25 off on their first purchase.
  • It offers exclusive benefits to new card holders.
  • It provides free birthday gifts and anniversary offers.
  • It offers an accessible shipping facility for purchases.
  • Users can get access to special events with this credit card.
  • It has tiered statuses for users so that they can upgrade their status and earn more rewards.
  • The card does not charge any annual fee.

Rewards can be used for Future Purchases

Victoria's Secret Credit Card offers $10 or $15 points present on the spending of 250 points. It means that you can get $10 or $15 if you spend $250. You can use your earned points for online purchases and purchases from Victoria's Secret stores and Pink stores in the first three months from the starting date.

The card also offers triple rewards points on the rewards of $10 or $15 with the spending of $80 or more. The average amount for each bra is $50, so you can get a reward certificate worth $10 or $15 on the purchase of more than two bras.

These rewards are eligible for users who are frequent shoppers of Victoria's stores or Pink stores. They can avail of these rewards for their future purchases. And it will help them save their money on a monthly basis. These rewards can be a good choice if you are interested in online purchases.

The Higher Tiers offer High Savings

Victoria's Secret Credit Card is the best choice for shoppers of Victoria's Secret stores or Pink stores. It offers many benefits of Angel VIP and Angel Forever to its users who spend a minimum of $250. The card will offer high saving opportunities if you spend more on your purchases.

The card offers birthday rewards, including $15 for a birthday and a half treats with the Angel Forever tier. On the anniversary date of your credit card, you can earn 15% to 20% off your eligible spending. The primary purpose behind offering rewards with a store card on purchases is to balance spending and rewards.

Although the card offers higher saving offers with higher tiers, it is not a good exchange if you are spending on non-usable products only to earn rewards offers. The card does not offer a high reward rate, so it will be a loss for you to spend more and get less. You may get into debt in this way.

Disadvantages

Along with perks, Victoria's Secret Credit Card also has some drawbacks. They are explained below:

  • The card does not offer a Balance transfer or Intro APR offer.
  • It provides a high regular APR variable.
  • The card is not eligible to use for purchases outside of Victoria's Secret stores or Pink stores.
  • The card does not offer rewards and saving opportunities if used outside the U.S.

A Closed-Loop Card

The Victoria's Secret Credit Card is a closed-loop card. It means you cannot use this card outside Victoria's Secret and Pink stores. Closed-Loop cards are limited to their specific destinations. If a card is Closed-Loop, it is not eligible for other places.

Moreover, the card is a good choice if you use it at U.S stores. Otherwise, you cannot get rewards and save money. The card's bad point is that it limits you from earning cash points and bonus rewards.

Charges a High-Interest Rate

Compared to other store credit cards, Victoria's Secret Credit Card offers high-interest rates. It requires users to have an APR of 25.99%, which is high for reasonable or fair credit holders. If you expect to earn rewards and savings with the card, you must pay your payments on time.

The card does not offer rewards and savings opportunities to users who are carrying a balance on a monthly basis. To avoid high-interest rates, you must pay your balances on time and with full payments. It will be good for earning rewards and saving money.

Victoria's Secret Credit Card vs Others

Victoria's Secret Credit Card offers opportunities to its customers to spend more on purchases. Not all store credit card provides users with these kinds of offers. It is an excellent opportunity for frequent Victoria's Secret and Pink store shoppers to earn rewards and save money on high spending.

Victoria's Secret credit card holders can update their status from Angel credit card to Angel VIP tier if they spend $250 or more. Also, they can move up from the Angel VIP tier to Angel Forever tier status on spending $500 or more in twelve months.

If you want to know more about store cards and how they are compatible with Victoria's Credit Card, take a look at the given comparative notes.

Victoria's Secret Angel Credit Card Vs Capital One Walmart Rewards Card

Victoria's Secret Angel Credit Card offers users multiple rewards offers. Users can earn 1 point on each dollar they spend on purchases. It offers triple points on purchases of bras and free shipping for purchases worth $50 or more. Users can earn their rewards at Victoria's Secret and Pink stores.

You can also earn your rewards points at the website of Victoria's Secret victoriassecret.com. The card offers its Angel Reward certificate with a reward rate of $10 or $15. These rewards depend on your card tier level. Moreover, users can earn $25 on their first purchase with the welcome Offer of a Victoria's Secret Credit Card.

Also, the card provides users with exclusive offers and invites for special events. Users can get early access to sales offers and other Angel tier benefits. The card does not charge any annual fee, but users must pay $39 or more if they fail to pay their balance amounts. Users are required to maintain an APR of 25.99%.

On the other hand, Capital One Walmart Rewards Card offers 5% cash back on the purchases of Walmart stores for the first twelve months and 2% cash back on the spending of each dollar after the first twelve months. The card also offers 2% cash back on the spending on gas from Walmart and Murphy USA fuel points and a 2% cash back on purchases for travel and dining.

Capital One Walmart Rewards Card does not charge any annual fee to its users. However, users have to pay a late payment penalty of $39, similar to the Victoria's Secret Credit card. The card requires users to maintain a regular APR of 17.99%, 23.24%, or 26.99%. The APR rate of this card is dependent on the credit score and credit history of the credit holders.

Victoria's Secret Angel Credit Card Vs Amazon Prime Rewards Visa Signature Card

Victoria's Secret Angel Credit Card offers several rewards offers to its users. The card offers 1 point on every dollar spent on purchases. It also offers triple points on bra purchases and free shipping for purchases of $50 or above. Users can earn their rewards points at the website of Victoria's Secret. The card gives users an Angel Reward certificate worth $10 or $15.

The card offers a bonus intro offer of $25 saving on the first purchase. Also, users can get exclusive offers and invites for special events of Victoria's Secret. Also, the card offers early access to the sales of Victoria's Secret and other Angel tier perks. The card does not have an annual fee but charges a late payment penalty of $39 if users fail to pay their balance amounts on due dates. Users are required to maintain an APR of 25.99%.

Meanwhile, Amazon Prime Rewards Visa Signature Card offers its cardholders a $100 gift card if they get approved. Also, you can earn 5% cash back on purchases from Amazon and Whole Foods and 2% cash back on the spending at dining, drugstores, and gas stations. You can also get 1% cash back on all other eligible purchases.

Amazon Prime Rewards Visa Signature Card provides users with travel, lost luggage, and emergency assistance. You can also get insurance for travel accidents with this card. Users are required to maintain a regular APR of 15.74% to 23.74% variable according to their credit level. The card charges no annual fee but a late payment penalty of $39.

Victoria's Secret Angel Credit Card Vs Costco Anywhere Visa Card by Citi

Costco Anywhere Visa Card by Citi offers 4% cash back on the spending of $7,000 on gas and 1% cash back after the expenditure. Users can get 2% cash back on all purchases at Costco stores and 1% cash back on all other eligible purchases. The card offer protection to its users from damage and theft. Users can get an exclusive warranty on all purchased products.

The Citibank Credit Card requires a regular APR of 16.74% Variable. The card does not charge an annual fee, but users have to buy a $60 or $120 Costco membership. If you fail to pay your balance amounts on time, the card will charge $39 o above as a late payment penalty. If you decide to return the card, you must pay $39 or more.

Whereas Victoria's Secret Angel Credit Card offers its cardholders many rewards offer. Users can earn 1 point on every dollar they spend for purchases at Victoria's Secret and Pink stores. The card offers triple points on purchases of bras. If you spend $50 or more on purchases, you can earn a free shipping facility. The Angel Reward certificate of $10 or $15 depends on your card tier level.

Users can earn $25 on their first purchase with their Victoria's Secret Credit Card. Also, the card offers exclusive perks and invites to special events. Users can access sales offers and other Angel tier benefits. The card does not charge any annual fee, but users must pay $39 or more if they fail to pay their balance amounts. Users are required to maintain an APR of 25.99%.

Victoria's Secret Angel Credit Card Vs Macy's American Express

Macy's American Express credit card offers users rewards such as saving offers, cashback offers, and an accessible shipping facility. Users can earn cash back offers according to their memberships. Users can get membership of Silver, Gold, and Platinum level. The card offers 3% cash back on the purchases of dining and 2% cash back on purchases of groceries and gas.

With Macy's American Express, users can earn 1% cash back on all other purchases. The card requires users to have a regular APR of 26.74% Variable. The card does not charge an annual fee. If you fail to make your payments on time, the card will charge $39 or above as a late payment fee. If you return the card, you must pay $39 or above.

In comparison, Victoria's Secret Angel Credit Card offers many rewards offers to its cardholders. Users can earn a point on every dollar spent on all purchases. The card offers triple points on purchases of bras and free shipping for purchases worth $50 or more. Users can earn their rewards at Victoria's Secret and Pink stores.

Also, the card provides users with exclusive offers and invites for special events. Users can get early access to sales offers and other Angel tier benefits. The card does not charge any annual fee, but users must pay $39 or more if they fail to pay their balance amounts. Users are required to maintain an APR of 25.99%.

FAQs

1. Where Can I Use My Victoria's Secret Credit Card?

Cardholders of Victoria's Secret Credit Card can use the card for online purchases at all Victoria's Secret locations in the U.S and also for in-store purchases. This credit card can be used for purchases at Pink stores. You can also make purchases at Bath & Body Works but remember they should not be online. The drawback of using the card at Bath & Body Works is that you cannot get any rewards or redeem your cash points.

2. How to contact Victoria's Secret Credit Card Customer Service?

Comenity Bank offers the Victoria's Secret Credit Card. If you want to contact or need assistance with any query, you can call at 1-800-695-9478. You can also send a secure message via the online help system of the Comenity Bank. The representative of the bank will guide you in your problem and will provide answers to your inquiries.

3. What is the maximum credit limit on Victoria's Secret card?

According to forum posts, Victoria's Secret Credit Card has a minimum credit limit of $500. Card members of the VS credit card have reported that they get the maximum credit limit of $5,000. The card offers a credit limit according to your credit score, spending, rewards, and regular APR. There is no specific limit of credit mentioned by the bank or card issuer.

4. Can you use Victoria's Secret credit card anywhere else?

Victoria's Secret Credit Card is a closed-loop credit card. You can use the card only at specific places and stores. Victoria's Secret Credit Card can only be used at Pink stores and Victoria's Secret stores. Also, you can use the card at Victoria's website or Bath & Body Works for in-store purchases only.

5. How often do you have to use your Victoria's Secret Credit Card?

Every company and bank has different policies regarding their credit cards. For Victoria's Secret Credit Card, you need to make purchases once a year. Remember, if you don't use the card at least once, the card will be closed. Make sure to activate the card and avoid inactivity.

6. Does Victoria's Secret credit card automatically increase credit limit?

With a Victoria's Secret Credit card, your credit limit will automatically increase within six to nine months from the opening date. If you want to improve your credit limit before that time, you can submit your request online on the website or call at (800) 695-9478.

7. What's the difference between the Victoria card and the Pink card?

Victoria's Secret credit card and Pink credit card have only one difference in design. Both cards have different card designs. Otherwise, both cards offer similar perks and benefits. You can choose any of the two to get several rewards offers and bonus points, especially if you are a frequent shopper of Victoria's Secret and Pink stores.

8. What do I do if I lose my Victoria's Secret credit card?

If you lost your Victoria's Secret Credit Card, you don't need to worry. Make a call at 1-800-695-9478. This is the number given on the website of Victoria's Secret for Customer Care. The assistant of the bank or representative of Victoria's Secret will guide you through the process. You can also ask some other questions related to your bank account and credit card.

Conclusion

Victoria's Secret Credit Card is worth buying for users who regularly purchase from Pink stores or Victoria's Secret stores. The card offers rewards for future purchases so you can save money. If you are using Angel VIP and Angel Forever tiers, you can save your card anniversary bonus.

One of the significant disadvantages of the Victoria's Secret Credit Card is that you cannot pay your credit card bills. The card offers high-interest rates, so rewards and bonus points are not worthy of saving. The card also charges a late payment penalty, so you must pay your balances on time.

Article written by Robert Ferry
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