Everything You Need to Know About the Victoria’s Secret Credit Card

By Your Beauty Plug
February 18, 2024

Victoria’s Secret is one of the most popular lingerie brands in the world, known for its sexy and stylish products, fashion shows, and supermodels. But did you know that Victoria’s Secret also offers a credit card that can help you save money and earn rewards on your purchases? In this blog post, we will explain what the Victoria’s Secret Credit Card is, how it works, what benefits it offers, and how to apply for it. We will also answer some frequently asked questions about the card and give you some tips on how to use it wisely.

What is the Victoria’s Secret Credit Card?

The Victoria’s Secret Credit Card is a store-branded card issued by Comenity Bank that can be used only at Victoria’s Secret and PINK stores, online, and through the catalog. The card is part of the Angel Rewards program, which allows you to earn points and perks for every dollar you spend at Victoria’s Secret and PINK. There are three tiers of the card: Angel, Angel VIP, and Angel Forever, each with different benefits and requirements.

How does the Victoria’s Secret Credit Card work?

The Victoria’s Secret Credit Card works like any other credit card, except that it can only be used at Victoria’s Secret and PINK. You can apply for the card online or in-store, and you will receive a decision instantly. If you are approved, you will get a temporary card number that you can use right away, and you will receive your physical card in the mail within 7-10 business days. You will also get a $25 off coupon for your first purchase with the card.

The card has no annual fee, but it has a high interest rate of 25.99% APR, which means that you should pay off your balance in full every month to avoid paying interest. You can manage your account online, by phone, or by mail, and you can make payments using a checking account, debit card, or money order. You can also enroll in paperless statements and autopay to save time and hassle.

What are the benefits of the Victoria’s Secret Credit Card?

The main benefit of the Victoria’s Secret Credit Card is that it allows you to earn points and rewards for every dollar you spend at Victoria’s Secret and PINK. You will earn 1 point for every $1 spent, and you will get a $10 reward for every 250 points you accumulate. You can use your rewards on any purchase, and they do not expire. You can also earn bonus points during special events and promotions throughout the year.

In addition to the points and rewards, the card also offers other perks, depending on your tier level. Here are the benefits of each tier:

Angel: This is the basic tier that you get when you open your account. You will get a $25 off coupon for your first purchase, a birthday gift every year, free standard shipping on orders that include a bra, early access to sales and new arrivals, and invitations to exclusive events.
Angel VIP: This is the second tier that you can upgrade to after you earn 500 points in a rolling 12-month period. You will get all the benefits of the Angel tier, plus a $10 birthday gift, a half-birthday gift, and a thank-you gift every year.
Angel Forever: This is the highest tier that you can upgrade to after you earn 1,000 points in a rolling 12-month period. You will get all the benefits of the Angel VIP tier, plus a $15 birthday gift, a $20 reward every time you earn 250 points, and an annual thank-you gift.

How to apply for the Victoria’s Secret Credit Card?

You can apply for the Victoria’s Secret Credit Card online or in-store. To apply online, you will need to visit the Victoria’s Secret website and click on the “Apply Now” button. You will be redirected to the Comenity Bank website, where you will need to fill out an application form with your personal, financial, and contact information. You will also need to agree to the terms and conditions and the privacy policy. You will receive a decision instantly, and if you are approved, you will get a temporary card number that you can use right away.

To apply in-store, you will need to visit any Victoria’s Secret or PINK store and ask an associate for an application. You will need to provide your name, address, phone number, email address, date of birth, and Social Security number. You will also need to show a valid photo ID and a major credit card. The associate will submit your application and you will receive a decision within minutes. If you are approved, you will get a temporary card that you can use right away.

FAQs about the Victoria’s Secret Credit Card

Here are some of the most common questions and answers about the Victoria’s Secret Credit Card:

Q: What is the credit score needed for the Victoria’s Secret Credit Card?
A: There is no official minimum credit score required for the Victoria’s Secret Credit Card, but it is generally considered a card for people with fair to good credit. This means that your credit score should be at least 600 to have a good chance of getting approved. However, other factors, such as your income, debt, and payment history, may also affect your eligibility.
Q: How do I check the status of my Victoria’s Secret Credit Card application?
A: You can check the status of your Victoria’s Secret Credit Card application by calling Comenity Bank at 1-800-695-7020 (Victoria’s Secret Credit Card) or 1-855-269-1783 (Victoria’s Secret Mastercard® Credit Card). You will need to provide your application reference number, your Social Security number, or your date of birth.
Q: How do I cancel my Victoria’s Secret Credit Card?
A: You can cancel your Victoria’s Secret Credit Card by calling Comenity Bank at 1-800-695-7020 (Victoria’s Secret Credit Card) or 1-855-269-1783 (Victoria’s Secret Mastercard® Credit Card). You will need to provide your account number, your name, and your address. You will also need to pay off any outstanding balance on your account before you can close it.
Q: How do I increase my Victoria’s Secret Credit Card limit?
A: You can request a credit limit increase for your Victoria’s Secret Credit Card by calling Comenity Bank at 1-800-695-7020 (Victoria’s Secret Credit Card) or 1-855-269-1783 (Victoria’s Secret Mastercard® Credit Card). You will need to provide your account number, your income, and your monthly expenses. Comenity Bank will review your request and perform a hard inquiry on your credit report, which may lower your credit score temporarily.
Q: How do I pay my Victoria’s Secret Credit Card bill?
A: You can pay your Victoria’s Secret Credit Card bill online, by phone, or by mail. To pay online, you will need to register for an online account on the Comenity Bank website. You can then log in to your account and make a one-time payment or set up a recurring payment. You can also enroll in paperless statements and autopay to save time and hassle. To pay by phone, you will need to call Comenity Bank at 1-800-695-7020 (Victoria’s Secret Credit Card) or 1-855-269-1783 (Victoria’s Secret Mastercard® Credit Card). You can use a checking account, debit card, or money order to make a payment. To pay by mail, you will need to send a check or money order, along with your account number and payment coupon, to the following address: Victoria’s Secret Credit Card P.O. Box 659728 San Antonio, TX 78265-9728

Tips on how to use the Victoria’s Secret Credit Card wisely

The Victoria’s Secret Credit Card can be a great way to save money and earn rewards on your purchases at Victoria’s Secret and PINK, but only if you use it responsibly. Here are some tips on how to use the card wisely:

Pay off your balance in full every month. The card has a high interest rate of 25.99% APR, which means that you will pay a lot of interest if you carry a balance from month to month. To avoid paying interest and fees, you should pay off your balance in full every month by the due date. This will also help you improve your credit score and avoid late payment penalties.
Use your rewards before they expire. The card allows you to earn points and rewards for every dollar you spend at Victoria’s Secret and PINK, but you should use them before they expire. Your points will expire if you do not make a purchase with your card for 12 consecutive months, and your rewards will expire 90 days after they are issued. You can check your points and rewards balance online, by phone, or on your statement, and you can use them on any purchase, online or in-store.
Take advantage of the card’s perks. The card offers various perks, depending on your tier level, such as free shipping, birthday gifts, early access to sales, and invitations to events. You should take advantage of these perks to get the most value out of your card. For example, you can use the free shipping offer to save on delivery costs, or you can use the early access to sales to get the best deals on your favorite items.
Upgrade your tier level. The card has three tiers: Angel, Angel VIP, and Angel Forever, each with different benefits and requirements. You can upgrade your tier level by earning more points in a rolling 12-month period. The higher your tier level, the more benefits.

How to compare the Victoria’s Secret Credit Card with other cards?

The Victoria’s Secret Credit Card is a good option for loyal customers of Victoria’s Secret and PINK who want to earn rewards and perks for their purchases. However, it may not be the best choice for everyone, especially if you do not shop frequently at Victoria’s Secret and PINK, or if you want a card that can be used anywhere. Here are some factors to consider when comparing the Victoria’s Secret Credit Card with other cards:

Acceptance: The Victoria’s Secret Credit Card can only be used at Victoria’s Secret and PINK, which limits your spending options. If you want a card that can be used anywhere, you may want to look for a general-purpose card that has a Visa, Mastercard, American Express, or Discover logo. These cards are widely accepted by merchants worldwide and may offer more flexibility and convenience.
Rewards: The Victoria’s Secret Credit Card offers generous rewards for every dollar you spend at Victoria’s Secret and PINK, but it does not offer any rewards for other purchases. If you want a card that can reward you for a variety of spending categories, you may want to look for a cash back, travel, or rewards card that has a higher earning rate and more redemption options. These cards may also offer sign-up bonuses, introductory offers, and other benefits that can boost your rewards value.
Fees: The Victoria’s Secret Credit Card has no annual fee, which is a plus, but it has a high interest rate of 25.99% APR, which is a minus. If you do not pay off your balance in full every month, you will end up paying a lot of interest and fees, which can negate the value of your rewards. If you want a card that can save you money on interest and fees, you may want to look for a low interest, balance transfer, or no fee card that has a lower APR, a 0% intro offer, or no foreign transaction fees. These cards can help you reduce your debt and avoid unnecessary charges.
Credit: The Victoria’s Secret Credit Card is designed for people with fair to good credit, which means that your credit score should be at least 600 to have a good chance of getting approved. However, other factors, such as your income, debt, and payment history, may also affect your eligibility. If you have a lower credit score, you may have a harder time getting approved for the card, or you may get a lower credit limit or a higher interest rate. If you want a card that can help you build or improve your credit, you may want to look for a secured, student, or credit builder card that has a lower credit requirement, a refundable deposit, or a credit reporting feature. These cards can help you establish a positive credit history and increase your credit score over time.

Conclusion

The Victoria’s Secret Credit Card is a great way to earn rewards and perks for your purchases at Victoria’s Secret and PINK, but it is not for everyone. You should consider your spending habits, your credit situation, and your financial goals before applying for the card. You should also compare the card with other cards that may offer better features, rewards, and benefits for your needs. Remember to use the card responsibly and pay off your balance in full every month to avoid paying interest and fees. By doing so, you can enjoy the card’s advantages and get the most value out of it.