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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
Aug 7, 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 23.63%.
- At least someone will give you an anniversary gift. You will receive a $10 credit each year on the anniversary of the day you got your Victoria’s Secret Rewards Card. 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.
Aug 7, 2020
Victoria's Secret Credit Card's Rewards
- Limited-time offer: Take $15 off when you open the card and make a purchase of $15 or more.
- 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 VIP status and $500 in a year to upgrade to Forever status.
- A $10 Birthday Reward each year your card is active. Upgrade to Forever 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 |
No |
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.
Does your credit score go down if you do not use the card for a while? Reply 63
Elizabeth Davis
@elizabethd_95
I have not had this issue. If I go a few months without using my VS card, after PIF from my last purchase, it is reported as being in good standing.
6
Upvotes
Has anyone ever gotten the Angel Forever annual gift? I'm just curious as to what type of gifts you get when you get to the forever status? Reply 65
Jamie Beres
@jamieb_64
Yes I have they send you a new card that says Victoria secret forever and it's black and gold plus you receive a coupon to use for $20 off any purchase. I also receive multiple coupons throughout the year
6
Upvotes
How long does it take for a Victoria's Secret Credit Card payment to post? Reply 51
@valerie_glantz
An online payment for the Victoria's Secret credit card generally posts immediately. For other payment methods, it can take a few days for the payment to post to your account.
For a check payment, this can be anywhere between 2-5 days for the funds to be pulled from your account and posted, and if it was an in-store payment it could take the same amount of time to post to your account. Once you see the money pulled from your bank account it should be reflected as a posted payment on your account.
5
Upvotes
Can my authorized user use my temporary card in store? Reply 56
WalletHub
@WalletHub
Yes, your authorized user will be able to use your temporary card in the store. Best of luck!
5
Upvotes
I made a purchase Jan 11 throughout that month I've made a payment once a week before statement. One of these payments was returned but I was not charged a late fee being that this is still before the statement. It returned 1/26, I remade the payment 1/28. It was taken successfully. I made my last payment yesterday. I check my account daily. I still haven't recieved a statement so you might as well say its paid in full. Why they telling my account is closed because of that returned check (which again had no late fee) and that I need to make 3 on time payments before they open my account again? How is this possible when Jan 11 was my very first time using the card. I haven't even recieved a statement yet. I haven't even had the card for a full 2 months. I was approved Dec 27 2015 so how can they close something when I haven't even made it out the grace period yet nor have no statement on my online account. Should I call them?… show more Reply 45
4
Upvotes
How can I add a Victoria's Secret Credit Card authorized user? Reply 3
Peter Renteria
@p_renteria
You can add a Victoria's Secret Credit Card authorized user by contacting their account team 800-695-9478.
Your authorized user will receive his or her Victoria's Secret Credit Carm card in 7 to 10 business days and will be able to charge purchases to your account after activating the card.
Though authorized users receive full access to the account’s credit line, they are not legally responsible for paying any balance or associated fees that result from their use. Only the primary accountholder receives the bill, regardless of who made the charges.
3
Upvotes
How much is the Victoria's Secret credit card minimum payment? Reply 3
Alicia Kane
@Alicia_K
Your Victoria's Secret minimum payment will depend on your balance.
For instance, if you owe $10, and the fixed floor rate is $25, your minimum payment will likely be $10.
If your balance is higher than that, the minimum payment is 2% of the balance + interest and fees.
You can consult the exact amount in your monthly statement or by calling the number on the back of your card.
3
Upvotes
If I spend the amount I have on the card, do I have to give them the money back? Reply 3
WalletHub
@WalletHub
Yes, you must make at least the minimum payment for each billing period, by the due date shown on your billing statement. If you pay in full, you will not be charged interest on your purchases.
3
Upvotes
I already have the credit card. Am I only required to pay the minimum of $25 before the bill is due or do I have to pay the full bill? I can't get any good answers from actual VS representatives. Reply 36
@valerie_glantz
As long as you pay at least the minimum due stated on your bill by the due date you will be fine. You can always pay more than the minimum due or the full balance at anytime.
3
Upvotes
Victoria's Secret Credit Card Reviews
Share your insights and review the Victoria's Secret Credit Card.
Apr 15, 2015
Do you get a instant approval? I didn't get denied but it said to wait 7 to 10 days. I applied online.
8 Comments
View 5 More
Mar 30, 2015
The VS CC is good for it's intented purpose. It offers great discounts with continued use. So that is the biggest advantage overall because the rest of the rate are pretty much even with other cards. As far as the late fee, grace period and interest rate, no bargains there. VS shoppers will benefit from additions discounts on sales and cash off purchases.
Mar 25, 2015
overall i am pleased with my vs credit card. i get great discounts and the interest rate is ok, so i try to pay on time usually trying to take out the whole balance. The incentive with the card is the discounts and their point system, i often get $10-15 off once i accrue enough reward points. my opinion of credit cards isn't great but they definitely give you enough incentive with the rewards and coupons so if you pay your balance down every month your items are actually cheaper than if you used cash.… show more
Mar 19, 2015
The Victoria's Secret credit card sucks. Never try to pay it online or the will aggressively charge you $25 if the payment does not go through. This can be because you typed a number wrong or they did. They are manipulative and not helpful at all. Comenity Bank is cheap, disrespectful, and takes advantage of anyone they can. I am reporting them to the Consumer Protection portion of the government. They are a disgrace. Do not subject yourself to this manipulation.… show more
11/12/15
I got late fee of $25 too. When I called they credited only the half. I was told that they would NOT be able to credit the other half for no reason. Also, if that happens again, they would do nothing for 18 months as the courtesy credit applies only for every 18 month. This is hilarious. So disappointed.
08/25/15
They have done this twice to me!! It's really annoying so I decided to look this up and see if it has happened to others and I was right! What a rip off!!
04/05/15
EMILY THIS HAPPENED TO ME! And the freaking phone people are no help at all and I SWEAR there is no way that I typed in my info wrong. I mistakenly have tried to make the payment AGAIN online and if it does not show up in my bank by monday i'm going to call and freak out. I refuse to pay another $25 for their shitty system. Ridiculous
Mar 16, 2015
I've been considering applying for a Victoria Secret's card and I must say that I'm very pleased after reading some of these rave reviews. I absolutely love to shop at VS rather it be for myself or for someone else its always a pleasant experience. I really like some of the perks that having this card offers such as the points you earn and the early access to the semi annual sales. From what I've learned about the point system of this card I would recieve one point for every dollar I spent. And with today's tough economic system every little bit counts when it comes down to it. I'm also a frequently shopper of American Eagle so naturally I have an ae visa and some of benefits are similar but also differ. My ae visa card only offers a 15% sign up bonus versus the 20% offered with the VS card. Also the point system is different with my ae card I receive $10 off with every ten points I earn, but like I mentioned the point system is setup different. With the ae card I recieve 4% of my purchase in points with an extra point for every $100 I spend. The only thing that I found when comparing this card to my other was that the APR was slightly higher and the points are based differently than I'm used too. This site has been very helpful in helping me weigh my options.… show more
Mar 10, 2015
I really enjoy my Victoria Secret Credit card. I am a frequent shopper so I get a lot of the reward cards in the mail for shipping at their store. Once you acquire 250 points, you get a $10 off coupon. I also get special access to certain specials that they are running and to the semi-annual sale. Although I think the interest rate is a bit high, the rewards that you receive for the card are worth it. I would recommend it to anyone who is a frequent shopper at Victoria Secret!… show more
Mar 02, 2015
As a frequent Victoria's Secret shopper I was glad to learn that they offered a credit card. With it's easy earning program, I've easily accumulated hundreds of points in little to no time. The $10 reward was an easy earning as was the $15 off. My favorite feature of the Victoria's Secret credit card is having early access to the best money saving Semi Annual Sale! If you are a frequent shopper at Victoria's Secret then this card is essential!… show more
Feb 26, 2015
I love the store, and I am so glad I was approved for the VS card! I shop in their store and online all the time, and now I am able to earn rewards for my spending! I love that I get double the rewards on bra purchases, which helped me become an Angel Forever pretty quickly. Another cardholder perk is that I am able to access the Semi-Annual Sale early! Their website is user friendly, and they make it very easy to manage your bill online. The interest rate is pretty high compared to other store cards, but I just make sure to pay it off each month.… show more
Feb 24, 2015
they do their best to make you pay as much as possible. They make it really hard to retrieve your username and password. I never got my credit card even though I got approved 6 months ago. They find every single way possible to take your money. If you pay your balance late, $25; got a call from them and agree to pay over the phone? $15 to process the fucking payment. Wtf is that kind of service? You make it hard for me to pay online, then charge me money to help me pay for the balance over the phone?? I expect much better service from such a big company as VS.… show more
Feb 11, 2015
The Victoria's Secret Card works perfectly for me. It's all about the points. I utilize this like I do my frequent flyer card. I do quite a bit of shopping here and decided to apply for the card. I must say the rewards program is fantastic. I have already redeemed points for gifts. One thing I don't like is the APR, it is high, so I try to pay this card off right away. Stay on top of that. Another thing is that this card is best for one who is good at managing points and makes it a point to shop here to make the card worth your while. Otherwise its just any ordinary card. If put to use, you can't beat it for the perks.… show more
Jan 12, 2015
Victoria Secret credit card was the best choice I've made! Every dollar you spend you get a point, and once you get 250 points you get a $10 reward! Also, when you sign up for the card you get a coupon booklet in the mail with up to 6 different coupons to use throughout the year including $10 dollars off a bra and $15 dollars off a bra. You can also combine those coupons with secret rewards around Christmas time! It's also very easy to pay your credit card bill either online or in store as well.… show more
Jan 06, 2015
Victoria Secret card is great! Yes, APR is a little high, but it's similar to most store cards ( I used to have TJX card, but APR was a little higher). One nice thing about this card is that you also get points that you can spend. Overall, good card, but honestly I wouldn't recommend it simply because APR is so high.
Dec 30, 2014
Victoria Secret gift cards are great! It makes the luxury pricy bras and lingerie easier to purchase and cheaper to purchase. It is also quick and efficient and as a VIP member, you get coupons, sales and notifications of free gifts once you hit a certain number of points. As someone who shops at Victoria Secret often, being able to achieve points while also shopping was greatly beneficial to me. It is also convenient and easy to use and I am always notified of perks and new clearances. I also am not pressured to pay off my purchases immediately and so that helps with finances as well.… show more
Dec 18, 2014
Great card! Victoria's Secret makes it easy to update my lingerie/underwear with great sales, sales, clearances, and incentives. I am currently an Angel VIP (they have 3 levels) and I earn triple points on my anniversary, get early access to the semi-annual sale, double points on all bra purchases, triple points on purchases during events, along with a birthday gift of $10, and a rewards gift each time I earn 250 points! It is easy to use, and easy to make payments as well. I can set up payments online (which I normally do) and can pay the same day without an extra fee.… show more
Nov 19, 2014
I have had the Victoria’s Secret Credit Card for a while now and it’s always been easy to use and comes with great perks. Since signing up every month I get a free pair of underwear, which is always a fun treat to get in the mail, and it gets me into the store every time! Why waste it? It’s nice because it’s not just a discount, but something completely free! Personally, I have forgotten to pay store credit cards in the past, but the Victoria’s Secret card makes it so easy. I pay for something either in the store or online with the credit card, and immediately I can see it on my account and pay it off, so I don’t forget about it while I wait for a bill to come. Using the card is so easy, and signing up for it wasn’t as long of a process as signing up for other credit cards.… show more
Nov 13, 2014
My Victoria’s Secret Store Credit Card has been great, and it’s definitely one of my most used credit cards. I shop 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. You also get early access to their semi-annual sales, when they very deeply discount a lot of items, so I find I do a lot of my spending at that time. Additionally, there’s a 25 day grace period on late payments, and no annual fee. I highly recommend this card to anyone who might be considering it; it has come in handy so many times for me!… show more
Nov 13, 2014
I love this card. It was a simple sign -up and one of the first i ever received. I let this card close on its own (it closes after a year i think of non-use) and they were willing to allow me to reopen an account even after my ex screwed with my credit rating.
What I also like is the discounts that you receive. I swear, i have gotten so many free underwear coupons in the mail lately I have been giving them to friends. What I like (which is an incentive) is if you purchase a bra from the store and then make a payment (or could be reversed, you would have to ask) you receive double-points, which gets you closer to the $10 off coupon. Early access to the Semi-Annual sales and so on.
I love that is card has such a low APR and is willing to work with customers. Not to mention the cute clothes of course. And perfumes.… show more
What I also like is the discounts that you receive. I swear, i have gotten so many free underwear coupons in the mail lately I have been giving them to friends. What I like (which is an incentive) is if you purchase a bra from the store and then make a payment (or could be reversed, you would have to ask) you receive double-points, which gets you closer to the $10 off coupon. Early access to the Semi-Annual sales and so on.
I love that is card has such a low APR and is willing to work with customers. Not to mention the cute clothes of course. And perfumes.… show more
02/02/15
You need to be sure you have provided a valid home address in order to receive offers by mail and a valid email address in order to receive offers by email. For further information you can contact customer service at 1-800-695-9478.
12/10/14
Weird question....I've never gotten any coupons EVER. I have an Angel Forever card, but never get any of the mailed promos people are always talking about.....any ideas?! :P
Nov 12, 2014
This credit card is a great for guys who want to shop for their girlfriend and build good credit at the same time. You will not have to worry about over spending with this card because you will not use it much, only to buy your significant other a gift on credit. The terms are straight forward and very easy to understand. Compared to the American Eagle Outfitters credit card I used to have, this card is much better. There is a max late fee for the Victoria Secret card and a grace period, which was not offered by the AEO credit card.… show more
Nov 03, 2014
I signed up for the Victoria's Secret reward credit card about a year ago because the benefits sounded great to me. It was easy to sign up for, just a few questions in store then they gave me a temporary card number so I could use it right away. It arrived in the mail as promised by the end of 2 weeks, and setting up an account online to enroll in paperless billing was fairly easy, around 15-20 minutes if you connect to social media and such. So far I have really enjoyed having the card when I make purchases online and in-store. I was able to purchase more because I had received rewards from hitting a certain point level. The rewards levels are not unreasonable, and fairly easy to hit, especially when you shop during an extra points period. I also receive the perfect amount of emails, around 2 a week, showing limited time offers, some only available to cardholders. I love that I don't have to spend every month to keep the card! This card has done nothing but good for me, and I would recommend it to anyone considering it.… show more
Oct 30, 2014
I signed up for the Victoria's Secret Angel's card to get a discount on my purchase at the time. it is the only store credit that I own. I love the paperless billing though it was a little tricky to set up because you have to go to a different website to do it. I also really like the coupons I get in the mail for being a card holder. The interest rate seems a little high and I don't use the card often because of it, but overall I've not yet been disappointed. I would definitely recommend getting the card if you shop there often.… show more
Oct 29, 2014
I had the Victoria Secret Credit card a few years back. I enjoyed the many perks with it, such as a certain amount off for so much dollars spent, reward points on purchases, birthday rewards and that you get early access to the sales. I also consistently received coupons for ten dollars off bra's as well as free underwear. I ultimately cancelled the card because the APR was too high and it was too easy to charge for all the cute things they have. Since I'm older, I care more about my credit score than having cute undergarment. But I do love their swimsuits!… show more
Oct 16, 2014
I just want to add my share about my terrible experience with Victoria Secret card, I'm glad I looked up with matter on the internet and has found many people to have the same problem like me, because their customer service employee from Victoria Secret Credit Card and from Comenity Bank tried to make it seems ridiculous on my part that they never see this happen before. LIE! In fact my experience DOES happen to a lot of people, including my mom.
So I signed up for VS Angel Card for 6 months already, and made purchases with it, but I also return some of my items of the purchases. For the 6 months period, I DID NOT receive any bill or account statement whatsoever! Not even one! Just the card the the offer book in the mail once, and that's all. So I was concerned and called them to ask about it. They said since I return the merchandise, it is automatically counted as a payment, that's why I do not need to worry about paying that month statement. The next month comes, still NO bill, I called, same answer. And I also make it clear to them that MAKE SURE to send me the bill. Because I do not want the same thing that happen to my mom to happen to me, which she signed up for a VS card 2 years ago and NEVER receive the card or the bill, but she forgot that she opened once since she didn't want to at the moment but the sale associate was very pushy. And her BANK account got closed because all of the late fees build up, which she wasn't aware of because they NEVER send anything to her. (Now, after everything happened I also find it was weird even though there is no payment dues, aren't they still required to send me my account statement???)
I know it's long and complicated, but bare with me. So after getting the same answer every time I called in trying to find out why I wasn't billed, I stopped calling, because I told them to make sure to send me the bill, and they reassure me that it is in their system, blahblahblah.... A few days ago I got a call from Comenity Bank, harassing me to pay my bill because it was past due 3 months. I told the guy from Comenity my situation and that they are the one who is responsible for not sending me mail which was required by law. He was very aggressive keep insisting that they do everything right on their part, and that he never heard of anyone having this situation, and that there is nothing I can do except for paying to balance with late fee and interest charges, because according to him, "things happen."
RIDICULOUS?!
Why would I pay for all of that charges when it wasn't my fault! It's their responsibility to send the bill which is required by law. He keeps saying that it shows on the system that the statement is sent out monthly blahblhablha, easy for you to say anything, how can I see the proof then? Anyway, I got fed up talking to him because it wasn't going anywhere.
So I look up online to see if this happens to other people, and yup, it does happen to a lot of people actually!
So I called VS directly, told them my story, again, the girl changed her tone instantly when I bring up this matter. Got all aggressive and rude, insisting she works there for 8 years and never heard of this situation, I insist saying I DIDN'T do anything wrong therefore those charges were unfair and also told her that this does happen to a lot of people from their experiences on the internet. She paused for a moment, didn't know how to reply to that, put me on hold to talk to her supervisor, and came back to tell me that all my charges has been dropped, and that my statement is going out today. SO PLEASE, IF THIS HAPPENS TO YOU, STAND ON YOUR GROUND AND DO SHARE YOUR EXPERIENCE, THE MORE OF STORIES LIKE THIS, THE HARDER FOR THEM TO DENY THEIR UNETHICAL AND COMMITTING FRAUD BUSINESS PRACTICE! Just because they are a big company doesn't mean they can bully consumers like this! Stand up for yourself!… show more
So I signed up for VS Angel Card for 6 months already, and made purchases with it, but I also return some of my items of the purchases. For the 6 months period, I DID NOT receive any bill or account statement whatsoever! Not even one! Just the card the the offer book in the mail once, and that's all. So I was concerned and called them to ask about it. They said since I return the merchandise, it is automatically counted as a payment, that's why I do not need to worry about paying that month statement. The next month comes, still NO bill, I called, same answer. And I also make it clear to them that MAKE SURE to send me the bill. Because I do not want the same thing that happen to my mom to happen to me, which she signed up for a VS card 2 years ago and NEVER receive the card or the bill, but she forgot that she opened once since she didn't want to at the moment but the sale associate was very pushy. And her BANK account got closed because all of the late fees build up, which she wasn't aware of because they NEVER send anything to her. (Now, after everything happened I also find it was weird even though there is no payment dues, aren't they still required to send me my account statement???)
I know it's long and complicated, but bare with me. So after getting the same answer every time I called in trying to find out why I wasn't billed, I stopped calling, because I told them to make sure to send me the bill, and they reassure me that it is in their system, blahblahblah.... A few days ago I got a call from Comenity Bank, harassing me to pay my bill because it was past due 3 months. I told the guy from Comenity my situation and that they are the one who is responsible for not sending me mail which was required by law. He was very aggressive keep insisting that they do everything right on their part, and that he never heard of anyone having this situation, and that there is nothing I can do except for paying to balance with late fee and interest charges, because according to him, "things happen."
RIDICULOUS?!
Why would I pay for all of that charges when it wasn't my fault! It's their responsibility to send the bill which is required by law. He keeps saying that it shows on the system that the statement is sent out monthly blahblhablha, easy for you to say anything, how can I see the proof then? Anyway, I got fed up talking to him because it wasn't going anywhere.
So I look up online to see if this happens to other people, and yup, it does happen to a lot of people actually!
So I called VS directly, told them my story, again, the girl changed her tone instantly when I bring up this matter. Got all aggressive and rude, insisting she works there for 8 years and never heard of this situation, I insist saying I DIDN'T do anything wrong therefore those charges were unfair and also told her that this does happen to a lot of people from their experiences on the internet. She paused for a moment, didn't know how to reply to that, put me on hold to talk to her supervisor, and came back to tell me that all my charges has been dropped, and that my statement is going out today. SO PLEASE, IF THIS HAPPENS TO YOU, STAND ON YOUR GROUND AND DO SHARE YOUR EXPERIENCE, THE MORE OF STORIES LIKE THIS, THE HARDER FOR THEM TO DENY THEIR UNETHICAL AND COMMITTING FRAUD BUSINESS PRACTICE! Just because they are a big company doesn't mean they can bully consumers like this! Stand up for yourself!… show more
07/29/15
I was contemplating whether to apply for this card or not, but thank you and many others for the review! I am going to pass on this one!
11/09/14
if you know you used the card you should always pay rather get a bill or not. If you signed up for e-statement you won't get a bill in the mail it will go to your email instead. also having online access to your account would have prevented this. I have had my card for 3 years and have never had a problem. As soon as I got my card I sign up for online access and I always keep the recipet so I know what I spent and I have the due date written down. I'm sorry but its not entirely the companies fault. It sounds like you are putting all the blame on them when there are things you could have done to prevent this. it is hard to believe they would go that long without mailing a bill. I have always gotten a bill. I can see maybe a month or 2, but 6 months yea right, come on. write down you payment due date and always make sure you pay on the bill when you know you have used the card no matter if you get a bill and if you can go to the store and pay it or get on line access and pay it. always have online access for any account you have .it is an absoulute must that way if some should happen and the bill never arrives you can check you account online and pay it… show more
Oct 16, 2014
The Victoria's Secret credit card is pretty awesome, because you get early access to the Victoria's Secret Semi-Annual Sale. I cannot begin to tell you how much that means to me! In addition, Angel Forever status occurs at just 1000 points, which is insanely low if you are a fan of Victoria's Secret. Another cool feature is you get double points for bra purchases. If you collect bras like me, this can be a real benefit. You also get $10 for every 250 points purchase. Quite an incentive for just buying great products from Victoria's Secret. I am hooked by this card! This is better than the Macy's card because at Victoria's Secret card gives you $15 just for signing up! The Macy's card also does not offer individualized bonuses like the VIctoria's Secret card. Finally, the customer service for this card is a lot better than the Macy's card. I am very happy with this card.… show more
Sep 09, 2014
I had the Victoria Secret CC for a while now. I love the fact that you get so many perks with it. It varies from 10 dollars off every time you spend 250 points, to a birthday reward. I also as consistently getting coupons for ten dollars off bra's as well as free underwear. While the apr is high its pretty inline with rest of store credit cards
Sep 05, 2014
I have had this card for about 8 years and I love it! Especially when it comes time for their semi-annual sale. It gives me the time to pay it off before the next sale begins. I like that the minimum payments are kept low and are the same every month. The bonuses that you get every month are also really great from $10 off your next bra purchase, $10 off on your purchase for your birthday month (1 time use), and Angels rewards dollars once you reach a certain spent amount. I also really like how almost every month you get a free pair of underwear (they are different styles ever month).… show more
Sep 02, 2014
This is a nice card as far as the rewards go, I like that there is a $15 bonus on your first Angel Card purchase, and a surprise birthday gift. Compared to the Amazon rewards card, this seems to have a better points value, though you do need to accrue 250 ($250 spent at base earn level) to receive a reward. If you're going to shop at Victoria's Secret, why not use the Victoria's Secret Store Card? The only downside that I see is that the APR is insanely high, though this is not uncommon for store cards. If you shop at Victoria's Secret regularly and do not plan on carrying a balance from month to month this would be a good store card to have.… show more
Aug 08, 2014
This was one of the first cards I ever had. The APR is very high but if you pay on time and you pay at least a little more then the minimum your okay. It doesnt have as many perks as a big name card like discover or capital one but its not really meant for that. Its meant for victoria secret lovers who specifically want those perks. I got a lot of them when I had the card and I always got free undies!… show more
Jul 31, 2014
This card is ok. I imagine if you actually got sent what you're supposed to get sent it would be great. However I only get half the bonuses I'm supposed to get. I get far too many ads for my taste. The customer service at Victoria's Secret is also terrible. It's probably my biggest turn off. I really hate bad customer service. Being a large breasted female I really just hate Victoria's Secret over all. I'm pretty happy I stopped going there.… show more
Jul 17, 2014
So I got this card. And I quickly accrued the 1000 points to get upgraded to the angel forever card. However they still charge me for returns. I still dont see much benefit of the points as I have never received any rewards for them and the customer service will charge me to make a payment over the phone on the rare occasion I've had to call when the website is malfunctioning. However the early access to the semi annual sale is just wonderful and I love the extra access for the fashion show.… show more
Jul 04, 2014
i like how you get double points for buying bras and how you get a special surprise on your birthday. I can see how points can add up quickly. Overall I think this card is a good deal. The apr is kind of high though
Jun 29, 2014
The Victoria's Secret Angels Card was the first credit card I opened when I was eighteen after having an active checking account for a year. You get the $15 savings on your purchase that day, and start your journey to earning points. There are several ways to "cheat" the point system so you get rewards more often, but spend less than the 1pt per $1 to get 250pts. First bras are double points, even sale bras. Also making a payment same day as purchase will double the points on your entire transaction (in store.) So if you have just bought your favorite 5/$26.50 panties and a comfy pair of yogas you'll get double points too. The payment can even be just a penny. It's up to you as to how much but never leave without making some what of a payment because you're just throwing away those extra points if you don't! Lastly, making purchases during special events like semi annual and your anniversary month for the card gets you extra points. Don't break your piggy bank, just shop smarter and earn more! I definitely recommend this card for people who are trying to build credit but can't get a major card. Also it just has so many offers it's crazy to pass up if you love VS so much.… show more
Jun 09, 2014
I've had my angel card for almost a year and I love it! Not only did I receive my $15 off but a book of monthly coupons! I use it every 4-8 week. I also receive coupons almost monthly! I always receive my items with in a timely manner. I called customer service once to pay my bill, however there was a $10 fee so I just waited for my bill to arrive in the mail. I also would prefer free shipping to angel card holders, most companies I go through don't charge it...… show more
Jun 06, 2014
As much as my girlfriend shops in this store, it is almost necessary to get the Victoria's Secret Credit Card. Reward points add up quickly here and once you earn 1000 points, you become an "angel forever." This even helps rack up more points as angel's get 2x points for bras. It is also very cool that she gets a birthday surprise every year.
May 27, 2014
In January 2014 i had reached the 500 points I needed to upgrade to the VIP Card. I call them and they tell me the 250 points i got in January 2013 are not counted due to them changing the system. So i basically lost 250 points. So a lady gives me a 200point credit since i lost them. So in March 2014 i reached the 500 points again to upgrade to VIP. I call them. No we cant count the 200 point credit toward your upgrade to VIP. I am beyond upset with Victoria's Secret and seriously debating on canceling my card and NEVER doing business with them again.… show more
11/30/14
I had to call them FOUR TIMES to get my VIP FOREVER card, which I clearly earned. They never send me my rewards, I have to constantly call them to get my rewards sent. They don't give me double points when they are supposed to. I have been a VIP forever for a year and I have not seen one beauty product which they claim is a perk. I got a postcard in the mail saying that if i do not spend $200 more by January 31, I lose my forever status. There is no benefit of being a forever cardholder. They keep promising me things and not delivering. I am going to cancel this card soon.… show more
07/08/14
I also have had nothing but problems with the victorias secret card. The customer service was absolutely terrible. THEY had given me false charges to total up to $1170.00 that I had NEVER made and after calling and being VERY patient after being hung up on several times and put on hold for an hour I finally got through and they told me they were putting through a refund. A month later they only refunded two $14.00 transactions and said that I would have to file for a refund again. I can not get over how completely horrendous the customer service is and has consistently been. After two years of them not taking responsibility and being stuck with a now $970.00 balance that i still have yet to make a purchase on I am beyond sick with them and will never ever ever do business with them again.… show more
May 27, 2014
The Victoria Secret card has so many great reward options. Not only do you get a $10 reward for every 250 points but you also get double points on bra purchases as an angel. The surprise birthday gift is a great bonus to having this card too. To top all the other bonuses off you get $15 off of your next Angel card purchase. If you shop frequently at Victoria this is definitely the card for you.… show more
May 26, 2014
I absolutely LOVE Victoria's Secret! Not only do they have good quality, well made bras and clothing, but they are also gorgeous and offer some great functionality features! Having the credit card gets you a lot of good offers by email and mail and there point system is great if you are someone who spends a good bit of money with them. There max late fee is 35 and the 25 day grace period has definitely saved my butt before. Overall, if your are an individual who shops at Victoria's Secret frequently, this card is a must have for you.… show more
May 09, 2014
You can save so much money using this card it's awesome. I'm a student and I haven't really qualified for a credit card before and this card is a great start for someone new to using credit. The only probably I do have is sometimes my card is declined even though I have a healthy balance and I should be able to purchase the item. That gets very frustrating at times. However, overall, I'm satisfied with the benefits one receives from this card.… show more
May 09, 2014
As much as you could potentially save with this card I really have no need for it. While I have no problem with what my wife buys from the store I don't want to give her a reason to come home with more of the same stuff. To make this card better I'd like to see a more versatile rewards incentive including more stores.
Apr 26, 2014
I have had my Angel Card for three years now, and I tell myself all the time I should stop using it. The customer service is terrible at VS, and every time I call about an order it's a giant hassle. I've had a lot of experience with the customer service due to having the wrong item sent to me numerous times! Additionally, one of the perks of the card is an anniversary gift, but I have never received this. I've always gotten the birthday gift, but I have to call every year to ask where it is, and end up getting it six months after my birthday. I did not get $15 off my first purchase, either. Not sure why. I would not recommend this card.… show more
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Last updated on: August 7th, 2020 at 07:45
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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: Aug 7th, 2020 at 07:45 ET