Why do they charge a $9 fee?
4
UpvotesReply
Victoria's Secret Credit Card
Victoria's Secret Credit Card
Info about Victoria's Secret Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards741Reviews73Q&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Take $25 off when you open the card and make a purchase.
Earn 10 points with every $1 you spend. Get a $10 reward for every 2,000 points earned.
Earn 30 points on all 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.
APR on Purchases
29.24% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
February 8th, 2023
Victoria's Secret Credit Card Pros & Cons
No membership fees
High rewards rate
$25 initial rewards bonus
Qualify with fair credit
Spending caps on rewards
High regular APR
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 | $0 |
| max penalty APR | None |
| grace period | 25 days |
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 card.
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How can I add a Victoria's Secret Credit Card authorized user?
3
UpvotesReply
Peter 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.
...How much is the Victoria's Secret credit card minimum payment?
3
UpvotesReply
Alice Kane
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...
How do I get a new Victoria's Secret credit card?
3
UpvotesReply
Why do I see a Comenity Bank VCTRSSEC on my credit report?
3
UpvotesReply
Frieda Reiss
You see a Comenity Bank VCTRSSEC on your credit report because you either have a Victoria's Secret Credit Card or you applied for one. VCTRSSEC stands for Victoria's Secret Credit Card.
If you don't have a Victoria's Secret Credit Card and you didn't apply for one either, then...
If I spend the amount I have on the card, do I have to give them the money back?
3
UpvotesReply
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.
Is Victoria's Secret Credit Card a charge card?
3
UpvotesReply
John Miller
No, the Victoria's Secret Credit Card is not a charge card, it is a regular credit card.
The main difference between a charge card and a traditional credit card is that charge cards don't allow you to carry a balance between months.
Both types of cards allow you...
Is this a secured credit card?
3
UpvotesReply
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Can I use my Victoria's Secret Credit Card anywhere?
2
UpvotesReply
Darren Frost
No, you cannot use your Victoria's Secret Credit Card anywhere. This is a store card that can only be used for purchases:
- In Victoria's Secret stores
- In PINK stores
- In Bath & Body Works stores
- On VictoriasSecret.com
When does the Victoria's Secret Credit Card report to the credit bureaus?
2
UpvotesReply
Tristan Cardenas
The Victoria's Secret Credit Card reports to the three major credit bureaus (TransUnion, Experian and Equifax) on a monthly basis.
Compare The Victoria's Secret Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Transfer Intro APRNot Offered
Transfer Intro APR0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Transfer Intro APR0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR29.24% (V)
Regular APR18.49% - 28.49% (V)
Regular APR19.24% - 27.99% (V)
Rewards Rate10 points / $1
Rewards Rate2% Cash Back
Rewards Rate1.5 - 5% Cash Back
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Victoria's Secret Credit Card Reviews
Share your insights and review the Victoria's Secret Credit Card
3.5
741 reviews
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1 Star Rating
Verified CustomerI have yet to use this account. It has a zero balance, and always has but yet they choose to lower my credit limit, which makes no sense because all of my credit cards have been paid every month on time it’s only because I have so many credit cards that they are lowering my available credit so I’m being punished for not using the card and making my payments on time to other cards therefore I will no longer ever choose to use this car again thank you how ridiculous this country is so broken.
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1 Star Rating
After several years with VS card, with limit $500, never late, paid on time. Sorpresily my credit limit drop to $50. I'll not use this card anymore and seeing to them close this bad card to costumer.
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5 Star Rating
Verified CustomerA good credit card for me because im always buying a lot of perfumes but they have a really high interest, but i love the way theyre giving a good rewards point
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5 Star Rating
Verified CustomerI have paid in full every month great options worth addibg to my credit profile I need to use more often. A bit of trouble setti g up online account
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5 Star Rating
Verified CustomerThis card is paid in full monthly. I use it to by a variety of things since I can use this card in bath and bodywork’s. I also like to buy gifts for special occasions and Christmas time.
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1 Star Rating
Verified CustomerI just canceled my card. They have the worst customer service and they are not easy to deal with. Long wait times when calling and I have tried using thier message center and get nowhere.
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1 Star Rating
Have had the VS card for a couple years, have "gold tier status" and usually pay balance in full. Out of the blue they LOWERED my limit for no reason. I have not missed a single payment and I have several other comenity bank store cards in good standing. Other people complaining that they lowered their limits also. They are hurting people's credit by doing this. So I do NOT recommend ANY comenity store card or credit card. Capital One is way better, Chase, almost any card will be better for you and your credit. I will be systematically closing all my accounts with Comenity. I will take the temporary hit to my credit and be done with them.
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5 Star Rating
Verified CustomerI don’t know what to put here lol. They have excellent sales and is very convenient for me with in store pick up or shipping. Can pay off real quick. I love how it gets broken down for me on here.
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1 Star Rating
Verified CustomerI paid my bill in full, Victoria secret charged me a $42 late fee .they didn't want to waive the fee so they canceled my account . Know they are doubling up on my late fee
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4 Star Rating
Verified CustomerThis is an easy app to understand, the layout is very easy to maneuver. However several things are still showing balances when they have been paid to $0 for several months now. That is why I rated it 4 stars.
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Review Victoria's Secret Credit Card
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Offer last updated: Feb 8th, 2023 at 11:16 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 18 months 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer Transfer Fee
REGULAR APR
18.49% - 28.49% (V)
ANNUAL FEE
$0
REWARDS RATE
2% Cash Back
BONUS OFFER
None
MINIMUM CREDIT