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Victoria's Secret Credit Card
By:
Comenity Bank
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.
Editor’s Take
John Kiernan, Credit Card Editor
Sep 18, 2020
Review: Victoria's Secret Credit Card
- Points equal 4% “cash” back. You will generally earn 1 point for every $1 you charge to the Victoria’s Secret Credit Card, which is pretty much the market average for a rewards card. But while most credit card points are worth about a penny apiece, the Victoria’s Secret Card gives you quadruple the value. Every 250 points that you earn 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.
- 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 every month. Because Victoria is hiding a Secret in her card terms, and it’s a lofty APR. For context, the average credit card for fair credit charges 22.84%.
- 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. For what it’s worth, the card has an average rating of 3.9/5 by WalletHub users.
Sep 18, 2020
Victoria's Secret Credit Card's Rewards
- Take $15 off when you open the card and make an online purchase. Minimum purchase required to redeem.
- Earn 1 point with every $1 you spend. Get a $10 reward for every 250 points earned.
- Triple point on bra purchases.
- Spend $250 in a year to upgrade to Silver status and $500 in a year to upgrade to Gold status.
- A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
- Free Shipping on purchases of $50 or more. Check code on website.
Victoria's Secret Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 24.99% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
24.99% (V) |
| ANNUAL FEE |
$0 |
|---|
Victoria's Secret Credit Card's Additional Info
| MAX LATE FEE |
$40 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
25 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
N/A |
| CASH ADVANCE FEE |
N/A |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
Yes, unknown |
at Comenity Bank's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Victoria's Secret Credit Card to our community.
Can you use it to buy a gift card? Reply 2020
WalletHub
@WalletHub
Yes, you can use it to make purchases at Victoria’s Secret, including gift cards.
20
Upvotes
What credit score is needed for the Victoria's Secret Credit Card? Reply 155
FRANKIE SOLOMON
@solosolosolo
The credit score needed for the Victoria’s Secret Credit Card is 640 or higher, which is considered fair credit. Though there are some reports of applicants getting approved for the Victoria’s Secret card with credit scores lower than 640, it’s best to have at least fair credit to be on the safe side. Lots of store credit cards have similar credit score requirements for approval.
15
Upvotes
How can I get a Victoria's Secret Credit Card cash advance? Reply 116
WalletHub
@WalletHub
You cannot take out a cash advance with the Victoria's Secret Credit Card. This is a store card, and thus does not belong to any major network.
11
Upvotes
I recently got the VIP card in the mail, that comes with a $20 gift card and I was wondering: how did I get that? Reply 1118
WalletHub
@WalletHub
If you earn 500 points in a rolling 12 month period you'll be automatically upgraded to the Angel VIP Card and earn a $10 reward. Congratulations on your upgrade! You can find out more about the benefits offered by your new Angel VIP Card at: https://www.victoriassecret.com/angel-card-benefits . Best of luck!
11
Upvotes
I applied and was approved for a Victoria Secret credit card online tonight, how can I make a purchase online before receiving my card in the mail? Reply 1113
WalletHub
@WalletHub
Unfortunately you won't be able to purchase online before receiving your card in the mail. Nevertheless, you will be able to make purchases in at all Victoria’s Secret & PINK Stores stores using your ID. You can ask an associate to look up your account info. Hope this helps. Best of luck!
11
Upvotes
Does the Victoria's Secret Credit Card report to all bureaus? Reply 1010
WalletHub
@WalletHub
The Victoria's Secret Credit Card reports to the three major credit bureaus (TransUnion, Experian and Equifax) on a monthly basis.
As a result, you should see it listed on your free credit report, which you can get by signing up for WalletHub.
10
Upvotes
What's the starting credit limit for the Victoria's Secret Credit Card? Reply 9
James Goddard
@jammgodd
Cardholders report initial Victoria's Secret Credit Card credit limits between $500 to $1,000.
Even if those limits seem modest, Comenity Bank - the issuer- will increase your credit line if you demonstrate responsible credit management.
Your creditworthiness and income will be used to determine your initial credit limit.
9
Upvotes
How can I pay my Victoria's Secret Credit Card bill? Reply 7
WalletHub
@WalletHub
You can submit a Victoria's Secret credit card payment by logging in online, or you can pay by phone, by mail, or in-person at a Victoria’s Secret store. Phone payments can be made by calling 800-695-9478 Monday-Saturday, 8:00 am to 9:00 pm EST. The fee to pay by phone is $15. You can visit any Victoria’s Secret store to pay your credit card bill in person, but be sure to bring your credit card statement.
7
Upvotes
Is my Victoria's Secret Angel Card on its way to me? Reply 79
WalletHub
@WalletHub
You should receive your card within 7-10 days of account approval. If it is taking longer than expected, please contact Comenity Bank's customer support at 866-327-4367.
7
Upvotes
Victoria's Secret Credit Card Reviews
Share your insights and review the Victoria's Secret Credit Card.
Mar 20, 2018
If I could rate zero, I would. I have had a VS card for over 10 years, back when this card was through another bank (National City or Citi bank) cant remember exactly. However, I never had issues until recently. Since the change over to the new bank. Comenity are some money hungry thieves. I paid my balance in full in February, like 2 days late yes. But I didn’t see any late charges just the minimum purchase balance which I paid in full. That is the last time I logged in because I thought I paid my balance in full. The last statement was for January, and have not received any statements or communication since my January statement. Then all of a sudden today I get and email with statement notification saying I owe $50+. I thought someone was using my card and charged that amount since I have not used my card since December!! I don’t use it that often. When I logged on, I saw charges for finance charges and rediculous late fees for a balance that I paid in full last month. I called the bank and of course when I informed them that I am not paying the late fees because I paid my balance and plus I had not received a statement since January.... they transferred me to 2-3 people which I had to explain my problem over and over. Needless to say they claim I paid late... i was like how can you charge a late fee on top of a late fee?? Not to mention when I paid my balance off, there was no late fees. She said it takes a few days to add on late fees, and I said that is not my problem.. im not paying the rediculous fees. Because I kept arguing, they still only charged me $10 which I paid and then closed my credit card account. It is sad... i love VS but I don’t like the money making scheme of this new credit card bank. I will miss the rewards but those haven’t been sent like they should with the new bank, they skipped my birthday the last couple years. Anyway I will be paying cash from now on. I wish VS had a rewards program like many stores, that aren’t credit card related. Don’t get this card... they just want your money. I think they tack on fees for those people who don’t use their card often, just to make money on us. Unfortunately Maurices credit card is also with this same bank. At least Maurices has a separate rewards program. Bye bye store credit cards! It’s cheaper to pay in cash.… show more
Comment
Aug 18, 2017
Consumer BEWARE!! Would have given zero starts but cannot! I haven't seen predatory lending like this in a long time. Small balance paid in the store. Received a late charge but they would not take it off over the phone. Went in the store again to pay entire balance, although I disagreed I owed anything at all since I paid the day it was due in the store but they did not "process it the same day" like I had control over that. Paid the balance a week before it was due, and called and closed the account. Now I get a new bill for $1! Called and they said the account was closed but they interest was still accruing before I paid the balance in full. So I still owe although I paid the balance in full. They will get my $1.01 payment and have to refund the penny! I will never shop here again either. This is the racket the credit cards run if you ever take cash from a card. I did that once 20 years ago and never again. Lesson learned for Victoria Secret/Pink too!!!!
BEWARE of PREDATORY LENDING!!!!!!!… show more
BEWARE of PREDATORY LENDING!!!!!!!… show more
Jun 29, 2017
I am very happy with this card so far. I love all the coupons I receive from having the card and it makes for great deals! I got the card the end of November with a very low credit limit but have received 2 CLI in the past 2 months. As long as you are responsible with this card it is a good card to have. It does have a high interest rate so I would not recommend carrying to big of a balance.… show more
07/07/20
Good to know. I got a low cl i have to keep paying ot off just to use it lol. I have paid on ot 3 times and just got the card yesterday. When i applied they didnt ask my income info so i thought thats why it was a low cl. I asked them how to get a increase and they told me they monitor every month. Hoping they see me pay it off quick and they will raise it. I love shopping there but with a low cl i have to keep my balance low or it will show high utilization on my report. Its expensive so 200 dont get you alot and that would show as maxed out. I dont want that lol.… show more
Jun 20, 2017
The worst credit card smn can have.Their customer service is terrible and they will never wave a late fee even if the payment was done 30 min after their time limit.
Such a shame to treat your customers so bad.Shame on you VS.
Such a shame to treat your customers so bad.Shame on you VS.
Jun 08, 2017
Terrible card and customer service. Watch out for erroneous late fees and minimal charge fees!!!! Will never use this card again. Account closed. I have excellent credit (790) and have never been late with any credit card payment. Victoria's Secret charged me two months in a row late fees ($56.00) and when I called to inquire the CS was less than helpful. It is a loss for them.
Feb 01, 2017
I love my VS card!!! The only reason why some people would have a bad experience is because they don't pay or can't handle their finances. I have a pretty high balance on my card and don't mind paying the minimum it is worth all the perks and bonuses. I became a Forever Angel after only 3 months and I've been getting so many freebies! Because of the early access and thanks to the coupons and most recently the semi-annual sale I have a huge collection of both VS and PINK thanks to the rewards my sister has been able to benefit from my card as well and we really do love it.… show more
04/22/19
To yaya: very show off person you are. Lol. Sorry I’m rude but it a true. Taking about showing off how much $ you have to able to shop . I made abt 1 grand purchase each time I visit VS store. I become FA just after my first shop with them. Paying late doesn’t mean you don’t abve money to pay or how much you have .. it abt of course mistake to miss-Pay ontime for thousan and reasons. What ppl talking here is not abt the rewards , but abt customer service. You r Choe that you make good money , purchase large amount of clothes, but cheap because you just do it when it have sale- and not even care if customer service is good or not.… show more
09/24/17
Comenity Bank is known for closing ALL your accounts with them if your habits suddenly change; such as a spike in credit inquiries or applying for too many of their cards. Consumer Error.
04/12/17
Ummm completely wrong. This bank sucks. I have several cards by this bank several years old all paid in full every month no late payments in several several years. They decided that because I am a responsible consumer to start canceling all my cards because I don't carry a balance. And in fact just issued me a bed bath beyond card last week and before I can use it cancelled it. Now tell me how that is even possible - nothing in my history credit or salary/job changed especially between the time they approved my master card to the time they cancelled it. This bank sucks… show more
Jan 17, 2017
It's ok, they gave me s low limit, I can't do really put a dent into it because it will charge up with they expensive clothes but that's ok
Jan 16, 2017
Victoria secret has terrible customer service, trying to reach anyone on the phone to speak to about your credit card is rediculous. Other places have better customer care. I had a credit card with Victoria Secret but I just recently closed it because I was issued a returned fee of my payment after trying several times to pay through the automated phone line. They refused to waive the fee (which by no means was it clear this would happen). Trying to create an online account was also difficult to try and make a bill payment. They need to change their system and better assist their customers and make it clear of fees of which could happen. I am very disappointed with Victoria secret and will not be shopping with them in the future.… show more
Jan 04, 2017
Don't get this credit card. They harass you and will not work with you! Also they will threaten you with an attorney. The interest is so high that when you miss one payment it's like buying something else in the store. When I called to address my concerns to community bank no one was will to listen they were all very rude even the manager.
Jun 04, 2016
You need 250 points to get a $10 dollar discount on the next purchase at victoria secret. It's $1 for 1 point, except there's triple points on bras. It's not a cash back card, it's more of a discount on future purchases. For example, spent at least $84 dollars in bras not counting taxes, and you'll get a $10 dollars discount. BAD: When you activate your new credit card, they forces you to speak to a person who will try to sell you account assure service. Other credit card companies have an automated system with no fuss, I truly find this sales tactics very disturbing.… show more
Apr 21, 2016
I signed up for this credit card thinking it was a rewards card because the person attending me did not tell me this was a credit card. I found out by mail when i got my statement. I canceled it soon after and now i have a poor credit score.
Feb 23, 2016
The points expire after 12 months. But if you plan to buy at least a 100 dollars of bras per year from vs, it's quite worth it, as it does work out to approx 12% back in points. however if you don't buy their bras that often, you're better off buying vs gcs at your local grocery store and using the 4% bonuses that way.
Jan 10, 2016
I didn't have an issue with the card until I received a phone call telling me my payment was overdue and that I was charged a late fee for not paying. I told the lady that I had not received a bill in awhile so I figured I no longer had a balance. I receive all of my bills via paper still and since I hadn't received one in awhile, I figured I had already paid the bill and everything was squared away. The lady then informed me that I had signed up for paperless billing.. something I am always offered with every credit card, but never do. I don't know if the girl who got my credit card started in-store made the mistake or if that is the default setting for their website. Either way I had to pay the late fee and the 25% interest because of this error that I was unaware of. Needless to say I won't be using the card again because of this issue and would discourage others from using it. Aside from the initial discount for signing up, this card never seems to yield any real benefits. Only mishaps that result in my paying for an unnecessary fee and a customer service staff who does not feel inclined to help.… show more
04/16/18
It’s illegal to do. The only person who can enroll you in paperless is yourself. If you call back, I’m positive they can look and see what time and what date you enrolled as well.
04/19/16
Malia, people are different, not every one remembers every single purchase they make in a month. If you have a job and have company expenses as well as personal to deal with, you rely on a preferred billing preference to pay bills. Ashely, I had the same experience around the time you did. I pay all my bill and have great credit however the fact that they neglected to mail out bills for December or they were lost or whatever caused an issue for me as well. They did refund the late fee but have reported a late payment to all three credit bureaus. I will be getting rid of this card and will no longer shop with VS.… show more
03/19/16
I love the card and I manage my finances very well. If you remember everything you spend, you shouldn't have any issues with credit cards. You can always log into the c.comenity website to check any statement balance that you owe. They give you PLENTY of time to pay it off too. Money you've spent using you're credit card will never and has never just disappeared if you don't receive a paper bill. If it does disappear, that means it was sent to collections, which is one of the worst things that can occur for your credit. VS is one of the easiest cards to understand. Simply write it down, log into your account every now and then, or make a mental note of how much you've spent and you'll never have a problem. Pay off your entire balance before due date, and you'll never get charged interest or a late fee.… show more
Dec 26, 2015
My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop for my girlfriend a lot at Victoria’s Secret, and it’s certainly not inexpensive. A few years ago, a sales associate asked me if I wanted to open one of the store’s credit cards as I was checking out. I usually hesitate, but it made sense this time because I got a 20% discount at check out, and I earn points for every dollar I spend. When you earn $250, you get a $10 reward.… show more
Dec 26, 2015
I like that the Victoria's Secret Angel card is so easy to get approved for. Their customer service is top notch, and very helpful if you call in to ask a question. The rewards are easy to rack up from simple purchases, and you get mailed out quarterly coupons and promotions to use either in store or online. They quickly upgraded me to the VIP card after only using it for a year or so, which came with even better perks like Annual Sale discounts and monthly coupons in the mail!… show more
Dec 17, 2015
This card was very easy to apply for, and it made purchasing in store and online almost instantaneously available. Although the interest rate is a bit high for my taste, if one stays on track with payments, there are several perks that you can enjoy.
Dealing with customer service and their payment portal is easy as well. I have never had a problem finding a friendly associate or making a payment through their system. I find it a joy to deal with them.
Perhaps the best thing about this card is the perks system. They send free coupons, items, and specials to me each month. I am consistently surprised and pleased by their incentives.
Go, VS! You are great!… show more
Dealing with customer service and their payment portal is easy as well. I have never had a problem finding a friendly associate or making a payment through their system. I find it a joy to deal with them.
Perhaps the best thing about this card is the perks system. They send free coupons, items, and specials to me each month. I am consistently surprised and pleased by their incentives.
Go, VS! You are great!… show more
Dec 17, 2015
As a fairly frequent shopper, I got this card to build my credit. I didn’t have much at all, but it was pretty decent. Since I’ve gotten it, I’ve been able to raise my credit score by several points, which is wonderful for me, as I am looking into purchasing a car. This is a great starter credit card for young women!
Dec 13, 2015
I don't actually shop at Victoria's Secret too often, I just wanted another card to help me build credit, but I now know that this was absolutely NOT the card to do that with. The interest rate is just ridiculous - 25%!!!!!. I feel so stupid for not checking before I applied.
I do like how there's no annual fee, so I've kept it open and just put a coffee or two on it each month and be sure to pay it off.
However, it has helped my credit score enough that I think I can get a better card somewhere else with a much better interest rate.… show more
I do like how there's no annual fee, so I've kept it open and just put a coffee or two on it each month and be sure to pay it off.
However, it has helped my credit score enough that I think I can get a better card somewhere else with a much better interest rate.… show more
Dec 09, 2015
I love my VScard and I've found the best way to pay it is in store they will take the payment with no fees it takes three business days to post but it's very convenient. I've had my card for three weeks and have already hit forever Angel status. I love VS
Dec 09, 2015
Have been a customer since 2003, and the last time I bought something was July 2015, thought I paid it off but apparently I had a $2 balance and ended up paying an extra 71 because apparently I was 2 months late but never received my statements and apparently it's my fault. This is the 2nd time they have done it and I have NEVER received a statment. No incentive to stay...do not get a card they will make up charges and apparently send you statements which I've never gotten but my address was correct?!! To bad victorias secret lost a customer guess they wipl have to continue to market the teenagers. Worse CARD EVER!!! $… show more
Dec 01, 2015
I been using my vs credit card and i like it to get early access but im hoping soon they would let us get our reward points on the credit card as well instead of having to wait to get the reward in the mailed. It been a coupons weeks and i havent receive my october rewards
Nov 12, 2015
Don't maintain any balance on this card! I'm a foreigner and I don't usually bother to read the whole bank policy when I apply for and use a credit card. I just make sure to avoid any late minimum payment. BUT, this victoria secret card will give extra financial charge even when you never missed any minimum payment. BE CAREFUL!
Nov 11, 2015
Shoppping at VS is always a pleasure, and this card is a fun and easy way to get all kinds of rewards and extras and incentives, but please be warned that this card is only for those who are very strict about their spending. To get value out of this card, you must - MUST! - pay off the card in full each month and never carry a balance. This is because this card carries an enormous interest charge, just utterly ridiculous. It's frankly a very bad deal to carry any sort of a balance because you will pay through the nose and it won't be worth any of the extra incentives you get. Now. If you can spend wisely and pay off your card every single month, for your time and trouble, you get points for purchases which do add up over time. You also get a birthday gift. I got a pair of panties, so, uhhh...yeah. Not that great. I guess now you also get an annual thank you gift, I don't know what that is, and also you get first access to sales and specials and triple points throughout the year occasionally and you have the opportunity to make some smart purchases if you are careful. If you already shop there and are disciplined with your credit cards, then you might as well sign up and get your freebies and fun stuff. Again, be careful with that interest rate. It's a huge trap and one could easily overspend and get in trouble and owe way more than you meant to. So be careful.… show more
Nov 05, 2015
I love shopping at Victoria's Secret and earning points for doing so! The reward system is great, and you get lots of coupons (potentially). Unfortunately, I have had some bad luck with the card. First, the card was never sent to me. I did not receive the little book of offers nor the birthday reward. I called to ask for it to be sent and there was a mysterious $200 charge on my card! The fraud department at Comenity bank took care of it, which was very nice. I also requested the book of offers, and was told that it would be sent right out, but it still has not been 3 months later. I was recently upgraded to Angel VIP and, once again, have to ask for the card to be sent to me. So I've missed out on most of the rewards, and receiving the actual cards, but it's still a nice rewards card. Victoria's Secret is a great company and I know they receive a lot of traffic each day, so it's hard to keep everything in order.… show more
Oct 31, 2015
I love using this card, not only does it look great but it has so many great benefits. There are a lot of great ways to earn bonus points and it's great that you can get 50 points just for registering. If you shop at Victoria's Secret as much as I do you will definitely see the benefits pile up for this Victoria's Secret credit card.
Aug 16, 2015
I love VS! I love this card! This is a great card to get started with if you need to build your credit. I've had it for years, and I just recently achieved Forever Angel status! The key to this card is moderation. I usually use it once or twice a month and pay it off. The APR is high, that is common with store CC. The perks really are worth it, and like I said, keep the balance low and pay it off. As for those who say it's hard to pay online etc., I have the app and it is a breeze and no fee. I have never had any issues!… show more
Aug 15, 2015
if i don't sign up for a card do they send me things in the mail because i don't want things sent to me in the mail
Aug 13, 2015
Other stores would not give me a credit card. Victoria secret did and now theyve gotten so much of my money. They were very smart to do that. I will forever be a loyal customer!
Aug 05, 2015
This card is great! You earn points just for signing up and there is a $10 reward for every 250 points earned! I have a Macy's store card and the benefits aren't nearly as good. They only have sales occasionally. That is the only benefit. With the Victoria's secret card you actually earn money, just to shop.
Jul 21, 2015
I absolutely love this credit card i've had it for about 3 years. At the beginning when i first opened it i had trouble keeping up due to financial issues but i would call and they would always work with me. Once i was able to get caught up and my payments were on time they increased my limit. After 2 more months they increased my limit again. I get free undies every month & cards to get discounts on bras. They give a lot of free stuff. I absolutely love being a Victoria's Secret Angel. Lots of perks!! If i had to choose to keep only one credit card this one would definitely be it.… show more
Jul 18, 2015
Can anyone tell me how long before I receive my Angel Credit Card in the mail? It has been 6 wks and I haven't received anything! I applied in store and I'm sure they told me but I was just so excited that I must've had tunnel vision lol.
Jun 29, 2015
Giving the card 2 stars due to all the perks you get. Other than that, it sucks!
About s year ago, I got hit with a late charge, even though I never received a statement in the mail or online saying I had a balance/due date. I ended up getting it taken off due to the fact that I always pay on time. While on the phone the customer service lady convinced me to sign up for a free trial of the account assurance. I made sure that it would not recharge my card after the trial.
Now recently, I noticed that my balance was high, even though I had been paying it off and not purchasing anything. I looked at my balance online and noticed I had been being charged about $30/mo for the account assurance, about $30 for having a balance on the card, plus a bunch of other fees that ranged from a dollar to $15. I immediately called customer service and the guy took me off account assurance, (I had only recently been being charged for it. He refused to refund my money). He said I would be charged as long as I have s balance, and could not explain the smaller fees.
I will be canceling the card as soon as I pay it off. All these fees are a new thing that have never been charged to my card before. I have been a card holder for at least 5 years.… show more
About s year ago, I got hit with a late charge, even though I never received a statement in the mail or online saying I had a balance/due date. I ended up getting it taken off due to the fact that I always pay on time. While on the phone the customer service lady convinced me to sign up for a free trial of the account assurance. I made sure that it would not recharge my card after the trial.
Now recently, I noticed that my balance was high, even though I had been paying it off and not purchasing anything. I looked at my balance online and noticed I had been being charged about $30/mo for the account assurance, about $30 for having a balance on the card, plus a bunch of other fees that ranged from a dollar to $15. I immediately called customer service and the guy took me off account assurance, (I had only recently been being charged for it. He refused to refund my money). He said I would be charged as long as I have s balance, and could not explain the smaller fees.
I will be canceling the card as soon as I pay it off. All these fees are a new thing that have never been charged to my card before. I have been a card holder for at least 5 years.… show more
May 26, 2015
I've had my Pink Angel card (same thing) for about 2 months and I absolutely adore it. Not only is the card itself super cute, but when you get it in the mail, I also received a little book of goodies with a special coupon for each month. There are about 3 free undies in that book. Thats about $30 at VS. They give out a lot of free money. Every time I shopped for some reason they gave me a free $15 for next time. I have been extremely happy with signing up of this card. As long as you keep up with the bill, it shouldn't be a burden at all.… show more
May 26, 2015
Don't get this card it's not worth the trouble!!!! I give no stars for the rating if it let me! If you move and give them your new address they won't mail you a statement they will just send it to a collection agency and not even let you pay online they will try to make you pay over the phone! Not going to happen!!! Plus these collection agency/Comenity Bank people sound so stupid and disrespectful they don't even give you any information about what is going on! The number they call from comes up "Unknown!" Saying I need get an attorney to call. They are manipulative and not helpful at all. Instead of them sending my statement/bill in the mail they send you thousands of stupid magazines in the mail hoping you buy more of there crap! Don't Get This Victoria Secret Card they will take advantage of anyone they can!… show more
May 20, 2015
This card has a lot of perks, but balances those out with a fairly hefty APR. I have always been a fan of store credit cards that offer exclusive deals to their card holders and Victoria's Secret does a great job of this. However, I would be reluctant to put any purchases on the card seeing as the APR is 24.99%!
May 07, 2015
Love this card! I use it often and pay it off each month so the apr doesn't affect me that much. The rewards on this card are awesome! I get $10 back for every 250 points. I shop at "Vickis" a lot so I have been receiving $15 rewards now and have reached black card status. In addition, I am able to easily pay my card online. I can also review my rewards points online and see how many points I need until my next reward. Victoria Secret sometimes has special sales and events for cars members only.… show more
May 01, 2015
When initially reviewing the card terms, I found them a little confusing, but after further review think that this is a decent store card for a frequent Victoria's Secret shopper who is a smart spender and will pay off their balance in full each month. You accumulate one rewards point for each dollar spent, which with the rewards payout of $10 for every 250 points is kind of like getting 4% cash back rewards. You have the opportunity to triple reward points during sales events throughout the year, so if you are strategic you could get money back at a much faster rate. The biggest downside which is common with many store cards is that APR is 25.99% which is extremely high, and there is no intro grace period.… show more
May 01, 2015
If you frequently shop at Victoria's Secret than this card will work for you. It has tons of perks, you get a lot of rewards. I believe this is the only store card that actually gives you free items frequently, and huge discounts. I got a 50 dollar gift card as a reward while doing my Christmas shopping last year and that was just nice. However there's a reason for my four star rating. The interest is higher than most other cards, so if you can't afford to pay your balance off at the end of the month then I wouldn't recommend it. There's also an annual fee. It's not very high, but why waste money on annual fees if you're not a frequent shopper. This is my favorite store card just because of the great rewards , and I have many, many others.… show more
May 01, 2015
I had my Angel Card not for long and I love it. Even thou he store is made for a woman, I enjoy shopping in here and getting gifts with all the discounts that I receive throughout the year. It has helped me get out of trouble may times in the past and the low credit line I have keeps me on my feet with debt.
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Last updated on: September 18th, 2020 at 02:52
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Sep 18th, 2020 at 02:52 ET