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Victoria's Secret Credit Card

4.5WalletHub Rating

WalletHub Rating

4.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.7

User Reviews

3.4

Market Comparison

4.5

fees: 5.0

rewards: 4.4

cost: 4.8

Other Features: 0.0

TermsReviewsFAQContact

WalletHub Rating

4.5/5

The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a $0 annual fee, rewards you with 10 points per $1, and provides perks such as birthday bonuses and free shipping. Plus, you only need fair credit to be approved for an account (640+ credit score recommended). Info about the Victoria's Secret Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

User Reviews

3.4/5

835 reviewsRead and write reviews

Editor’s Review

4.7/5

John Kiernan, Credit Card EditorRead full review

Market Comparison

4.5

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.

Fees

5.0

Rewards

4.4

Cost

4.8

Other Features

0.0

4.5/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit, Fair Credit

Annual Fee

APR on Purchases

35.99%

Balance Transfer

Balance Transfers Not Allowed

Rewards

Get $25 off your first purchase when you open the card and make a purchase.

Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year. Get a $10 reward for every 2,000 points earned.

Earn 30 points with every $1 you spend on all bra purchases.

Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.

A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.

Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.

Free Shipping on purchases of $50 or more, check code on website.

Victoria's Secret Credit Card's Additional Info

cash advance fee

N/A

cash advance APR

N/A

foreign transaction fee

N/A

smart chip

Yes

max late fee

$41

max overlimit fee

max penalty APR

None

grace period

25 days

Learn More

at Comenity's secure site

Editor's Review
Fact checked

John Kiernan

January 27th, 2026

Fact Checked by Alina Comoreanu

Senior Researcher

Victoria's Secret Credit Card Pros & Cons

No membership fees

High rewards rate

$25 discount initial rewards bonus

Qualify with fair credit

High regular APR

Victoria's Secret Credit Card Review

6 Key Things to Know About the Victoria's Secret Credit Card

Points equal 5% “cash” back

You will generally earn 10 points for every $1 that you charge to the Victoria’s Secret Credit Card, which is well above the market average for a rewards card. In fact, despite each Victoria’s Secret point being worth about half as much as the average credit card rewards point market wide, the Victoria’s Secret Card still gives you about five times more value than average, thanks to its high earning rate.

You can earn rewards at an even higher rate on bra purchases (30 points per $1 spent). Plus, if you spend $750 in a year and graduate to Gold status in the Victoria’s Secret loyalty program, you’ll earn at least 15 points per $1 spent, regardless of what you buy.

Every 2,000 points that you earn with this card gets you a $10 credit. That’s obviously not true cash back, but it might as well be if you regularly shop at Victoria’s Secret.

Annual bonuses

You can get $25 off your first purchase with this card. That’s not the biggest bonus around, but it’s still a point in favor of the Victoria’s Secret Credit Card. It has company, too, as you can also get at least 15% off on your account anniversary.

Fees aren’t a concern, but interest is

The Victoria’s Secret Card does not charge an annual fee, so you won’t feel any pressure to get your money’s worth. You should, however, make sure to pay your bill in full every month because Victoria is hiding a secret in her card terms: a lofty APR that applies when you carry a balance from month to month.

For context, the average credit card for fair credit charges 27.36%. Paying interest at a rate anywhere close to this isn’t a great idea.

At least someone will give you a birthday gift

You will receive a $10 credit each year on your birthday. That’s certainly a nice gesture. You just need to make sure this modest gift doesn’t lead you to spend more at Victoria’s Secret than you would otherwise.

Not a bad way to build credit

You only need “fair” credit to qualify for the Victoria’s Secret Credit Card, which means it could help you establish credit history or perhaps continue rebuilding from previous mistakes. If you don’t know your credit score, you can check it for free on WalletHub.

Solid reviews

It’s always good to see what fellow consumers have to say about a product, so make sure to read some of the following Victoria’s Secret Credit Card reviews before submitting an application. The card has an average rating of 3.5 / 5 from WalletHub users, which is a pretty good sign.

Compare The Victoria's Secret Credit Card vs. Popular Alternatives


4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.4 Market Comparison 4.5 fees: 5.0 rewards: 4.4 cost: 4.8 Other Features: 0.0	4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 4.1 Market Comparison 4.4 fees: 5.0 rewards: 4.3 cost: 4.6 Other Features: 0.0	4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8
(835)	(20)	(2,943)
annual fee$0	annual fee$0	annual fee$0
rewards rate 10 points / $1	rewards rate 1 - 5% Cash Rewards	rewards rate 1 - 3% Cash Back
bonus offer$25 discount	bonus offer $150 Amazon gift card	bonus offer $200
Purchase Intro APRNot Offered	Purchase Intro APRNot Offered	Purchase Intro APR0% for 15 months
transfer intro aprNot Offered	transfer intro aprNot Offered	transfer intro apr0% for 15 months\|Transfer Fee: 3% (min $5)
Regular APR35.99%	Regular APR18.74% - 27.49% (V)	Regular APR19.49% - 28.49% (V)
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & FeesTerms Apply

Questions & Answers

Can't find what you are looking for? Submit your question about Victoria's Secret Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What bank issues the Victoria's Secret Credit Card?

John Miller, Credit Cards Moderator

The Victoria's Secret Credit Card is issued by Comenity Bank, a financial services company that provides a wide range of co-branded credit cards.

The Victoria's Secret Credit Card is a pretty good credit card for people with above fair credit who shop at Victoria's Secret. The card offers at least 10 points per $1 spent on purchases and it comes with a $0 annual fee.

Upvotes

How can I pay my Victoria's Secret Credit Card bill?

WalletHub

You can pay your Victoria's Secret Credit Card bill by logging in to your online account or calling (800) 695-9478. While these are the easiest methods, you can also make a payment by mailing a check or money order, or by visiting a Victoria's Secret store in person.

How to Pay Your Victoria's Secret Credit Card

Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
Phone: Call (800) 695-9478 Monday-Saturday, 8:00 am...

Upvotes

How do I apply for Victoria's Secret Credit Card?

Maria Adams, Credit Cards Moderator

The easiest way to apply for the Victoria's Secret Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Comenity Capital's website. Alternatively, you can apply in store.

Keep in mind that the Victoria's Secret Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...

Upvotes

How do I check my Victoria's Secret Credit Card application status?

WalletHub

You can check your Victoria's Secret Credit Card application status by calling 1 (800) 695-9478. When you call, you'll need to provide your name, address, birthday and the last 4 digits of your Social Security number so that Comenity can match you to your application. Comenity does not allow you to check your application status online

How to Check Your Victoria's Secret Credit Card Application Status

Call 1 (800) 695-9478.
Follow the automated prompts that lead to an application status check...

Upvotes

How do I get instantly approved for the Victoria's Secret Credit Card?

Maria Adams, Credit Cards Moderator

You could get instantly approved for the Victoria's Secret Credit Card when you apply online or in-store, but it's not guaranteed. If you do not get a response right away, you will most likely receive a decision within 7-10 business days.

Victoria's Secret Credit Card Approval Time and Process Details

Approval time: You could get approved for the Victoria's Secret Credit Card within 60 seconds. In some cases, however, it will take 7 to 10 days to receive a decision.
...

View more answers

Upvotes

Where can I check my Victoria's Secret Credit Card balance?

Maria Adams, Credit Cards Moderator

The easiest way you can check your Victoria's Secret Credit Card balance is online. Alternatively, you can find out your credit card's balance by calling customer service at (800) 695-9478 or at the number you see on the back of your card.

Here's how you can check your Victoria's Secret Credit Card balance:

Online: Log in to your Victoria's Secret Credit Card account to see its balance. From here, you can also pay your bill, set up alerts, and lock or unlock your...

Upvotes

What is the Victoria's Secret Credit Card credit score requirement?

Brianne Larch, WalletHub Credit Card Analyst

The Victoria's Secret Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Victoria's Secret Credit Card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Victoria's Secret Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you...

View more answers

Upvotes

What's the Victoria's Secret Credit Card payment address?

James W Reed, Credit Cards Moderator

You can find the current Victoria's Secret Credit Card payment address listed on your monthly statement. You can also find it by visiting Comenity Bank's website or calling customer service at the number on the back of your card.

When paying Victoria's Secret Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. Comenity Bank does not accept cash.

Tips for Mailing Victoria's Secret Credit Card Payments

Include your credit card...

Upvote

How do I cancel my Victoria's Secret credit card?

Paddy Sullivan, WalletHub Credit Card Analyst

To cancel a Victoria's Secret Credit Card, call customer service at (800) 695-9478 or log in to the Comenity Bank website.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Victoria's Secret Credit Card.

How to Cancel a Victoria's Secret Credit Card

By phone

...

View more answers

Upvotes

What is the Victoria's Secret Credit Card credit limit?

thom Fotenberg, WalletHub Credit Card Analyst

The Victoria's Secret Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $5,000. The issuer does not include any specific Victoria's Secret Credit Card credit limit information in the card's terms, though.

For the most part, Victoria's Secret Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

That said, the...

View more answers

Victoria's Secret Credit Card Reviews

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

3.4

What's Your Rating?

Dorcas Fletcher
August 25, 2025 • @d_flet

# Terrible Customer Service Experience - Victoria's Secret Credit Card

**Rating: ★☆☆☆☆ (1/5 stars)**

I am writing this review to warn others about the absolutely frustrating experience I had with the Victoria's Secret credit card customer service team. What should have been a simple payment issue resolution turned into a nightmare of miscommunication and incompetence.

## The Problem Begins

The issue started when I noticed my account showed reversed payments that I had legitimately made. When I called customer service to resolve this, the first representative I spoke with asked me to confirm that I had received the payments back. After reviewing my records, they assured me that I didn't owe anything on the account. Problem solved, right? Wrong.

## The Runaround Continues

When I called back for a follow-up, I spoke with a completely different customer service representative who gave me entirely contradictory information. This second rep informed me that I could actually appeal the reversed payments - information that the first representative had failed to mention entirely. The inconsistency between representatives was astounding.

## Cancellation Out of Frustration

Fed up with the conflicting information and poor service, I made the decision to cancel the card altogether. I shouldn't have to deal with this level of incompetence for a simple payment issue.

## Supervisor Provides No Help

As a final attempt to resolve the matter, I requested to speak with a supervisor. What followed was even more disappointing. The supervisor kept placing me on brief holds but seemed completely unable or unwilling to understand the core issue I was experiencing. They appeared to be avoiding the problem rather than addressing it head-on.

## Final Verdict

At the end of the day, this entire experience proved that the Victoria's Secret credit card simply isn't worth the hassle. When you have legitimate payment concerns, you expect professional, consistent, and helpful customer service. Instead, I encountered:

- Inconsistent information between representatives
- Lack of proper training among customer service staff
- Supervisors who avoid rather than resolve issues
- An overall system that fails customers when they need help most

**My advice: Look elsewhere for a credit card.** There are plenty of other options that actually value their customers and provide competent service when issues arise. Save yourself the headache and avoid this card entirely.

Comment

Vicki Duncan
June 10, 2025 • @vduncan1510

This company has ruined my credit by alleging I owed a late fee when my account was paid in full, and multiplying the fees until the account was closed and charged off. This has been a nightmare, and everywhere I turn, no one has helped me! Avoid this at all costs!

Comment

Heather Medrano
June 3, 2025 • @hcabrera8987

Verified Customer

This was one of my worst credit card experiences. When you use the Victoria Secret Credit card, say you use $200 and every month it says to pay a minimum of $40. Be prepared; there are 2 separate monthly charges: one is about $20, the other is about $7 and some change. If you pay $40 a month and they charge you monthly fees to have the credit card, you only end up paying about $12 towards your bill monthly. It's like you will never pay off your balance, and before you know it, your bill has just doubled, just in monthly fees alone. I would not recommend this card to anyone.

Comment

selenemariec
June 3, 2025 • @selenemariec

Verified Customer

"I'd give zero stars if I could. I have been a loyal VS customer for years. Always paid my bill on time, even early most months. Last month on the 13th of May, before my due date of the 19th, I had actually paid off my card balance and had a zero balance. On the 25th of May, almost 2 weeks after the posted payment, I had a bill for $26+. I called them to ask why I had that balance; they said it was interest charges. I asked what they are charging interest on when there was a zero balance. They claimed they hold interest charges for a month! Seriously?! I told them, even if they held the interest charges, once the 24th came around, when they evaluate what the interest charges should be, it still should have been zero! There was nothing to charge interest on. I went back and forth for about 20 minutes only to end up getting so frustrated, I told them to cancel my account/card and I wanted nothing to do with them anymore. They lost a lot of business from a loyal customer over $26 of horrible business practices. VS, do better. Get a better, honest financing company and please, spend a little more to get customer service representatives that are understandable. So, in conclusion, even if you pay off your bill, expect a bill the following month for phantom interest charges, because they will still charge interest on a zero.

Comment

Vicki Duncan
June 10, 2025 • @vduncan1510

I have had a similar issue. If you find someone willing to help please contact at my username plus at gmail.com!! Good Luck!

Comment

janart05
March 13, 2025 • @janart05

This customer service at Victoria's Secret is the worst I have ever experienced in my life! They told me they would waive my late payment since I lost my phone and was 5 days late retrieving my info, but they didn't. And the customer service seems untrained to explain details thoroughly, and they mislead you until you pay your original debt. And guess what? You're faced with another late payment fee that you thought you had already paid in full, and they will not waive it!

Comment

tkay far
December 9, 2024 • @theresakay2011

Poor customer service. They'll close your card without your consent or knowledge. It doesn't matter if the card has an expiration date of 2028; if you haven't used it for 10 to 11 months, they'll close it.

Comment

Cardem S
November 3, 2024 • @KARD3M

Made on-time payments each month. Comenity Bank still lowered my credit limit. After paying my balance in full and not using it for a month, they then closed my account.

Comment

juls Bri
October 31, 2024 • @jbrick73

The worst credit card I have had in my adult life. Fees are charged that are not explained, including a late fee for paying after 5 pm online. Customer service representatives speak very broken English and are rude when asked to repeat what they said. I would not recommend this card to anyone.

Comment

forshayv
August 6, 2024 • @forshayv

I have a tier one credit score and I highly do not recommend getting the Victoria's Secret credit card. What they do is a scam. You could be one day late, pay your bill in full, and pay the $32.75 late fee, and then they charge you the next month because the bill was late. You paid a $32.75 late fee after the deadline. It's a domino effect; it's a bad company—stay away from it. You'll never get good credit with this place. I actually canceled the Victoria's Secret credit card and will be using my AMEX for further purchases. I highly recommend not using this credit card—they're thieves. I paid them $32.75 twice and a $52.63 late fee. They charged me another $32.75. Never before had I ever had to deal with such a situation. Basically, they were charging me for their interest payments and continuing them each month. It's totally a scam.

Venus Forshay

Comment

Emily Ro
September 5, 2024 • @roseyyemily

This is exactly what happened to me. I have been stolen from, tricked, and lied to. Bunch of thieves and liars!!!!!!

Comment

Shirley Felux
November 23, 2024 • @shirleyfelux336

Comenity charged me for a refund they owed me on my Victoria Secret Card that I've had for over 30 years.I closed the account.Comenity needs to be audited

Comment

Theresa Arch
July 4, 2024 • @tarch1522

VS deserves zero stars! They don't value long-term, good-paying customers. If you are one hour late on a payment, they charge you a late fee. This card is not worth getting, and they never waive fees. I will pay it off and then rip it up; don't get this card.

Comment

Review Victoria's Secret Credit Card

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Offer last updated: Jan 27th, 2026 at 14:07 ET

Victoria's Secret Credit Card

Victoria's Secret Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Victoria's Secret Credit Card's Additional Info

Editor's ReviewFact checked

Victoria's Secret Credit Card Pros & Cons

Victoria's Secret Credit Card Review

6 Key Things to Know About the Victoria's Secret Credit Card

Points equal 5% “cash” back

Annual bonuses

Fees aren’t a concern, but interest is

At least someone will give you a birthday gift

Not a bad way to build credit

Solid reviews

Compare The Victoria's Secret Credit Card vs. Popular Alternatives

Questions & Answers

People Also Apply For

Other Victoria's Secret Cards

Related Credit Card Categories

Victoria's Secret Credit Card Reviews

What's Your Rating?

Important Disclosures

People Also Apply For

Other Victoria's Secret Cards

Related Credit Card Categories

Editor's Review
Fact checked