Why do they charge a $9 fee?
4
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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.
Rewards683Reviews69Q&AContactRewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Take $15 off when you open the card and make a purchase.
Earn 1 point with every $1 you spend. Get a $10 reward for every 250 points earned.
Earn 3 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. Limited time offer, check code on website.
APR on Purchases
25.74% (V)
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
June 24th, 2022
Victoria's Secret Credit Card Pros & Cons
No membership fees
$15 initial rewards bonus
Qualify with fair credit
No intro APR on purchases
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
How much is the Victoria's Secret credit card minimum payment?
3
UpvotesReply
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
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.
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.
3
UpvotesReply
@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.
Is this a secured credit card?
3
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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 APR25.74% (V)
Regular APR15.49% - 25.49% (V)
Regular APR15.74% - 24.49% (V)
Rewards Rate1 point / $1
Rewards Rate2% Cash Back
Rewards Rate1.5 - 5% Cash Back
People Also Apply For
Victoria's Secret Credit Card Reviews
Share your insights and review the Victoria's Secret Credit Card
3.6
683 reviews
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1 Star Rating
Verified CustomerIt may seem simple to apply for this credit card but this credit card has caused my credit score TO DROP BADLY. They do random charges and fees for absolutely nothing which seems more of a scam to me than anything. Every time Id pay my credit card they sent me a THANK YOU receipt and then next thing you know I have a $40 FEE CHARGE + what I "supposedly" had payed off by the end of the month because they failed to send me a email saying "payment failed" and for some reason they weren't accepting my payment even tho I had the funds??? The payment failed was found in my statements but not my EMAIL?? How was I suppose to know if it failed if they had just sent me one email saying SUCESS... Unless you want to ruin your credit score then yea.. get this card.. Not shopping with VS, So disappointed in the bank issuer they choose to have to scam their customers...JUST CANCELED IT.
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5 Star Rating
Verified CustomerI love it I try to pay it off as soon as I can. They have great sales, there product is reliable, and good quality. Glad I have it
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5 Star Rating
Verified CustomerNot my account gfghhhhhhhhhhhhhyhhhhhtdxxxxxfhjknbvggbvcffffccrrghjjjhggvcddsnhxjdjdjjxnx tjxkdhhzsbsbbshshsdjhdhjejejhehedhdhdhdhhxhxhdh
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5 Star Rating
Verified CustomerEasy to get, credit limit is not real high and interest is very high on these type of cards, so best to pay them off each month. They do have great sales at times so the card can come in handy for that if you need it. The more you use it the more points you can earn so there are some perks for having and using it.
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5 Star Rating
Verified CustomerMy Victoria’s Secret card has saved me so much money. I would never change it because I like be all the sales they have and the coupons they send me are out of this world with savings. Since my VS store moved to another town, I know that I can order my favorite things online with complete confidence!
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2 Star Rating
Verified CustomerIt’s a decent card, but I don’t use it much. It doesn’t offer any perks to use it. But, I keep it for special occasions and holidays.
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1 Star Rating
Verified CustomerIf I could leave ZERO stars, I would certainly select. My first purchase was just over $200. I immediately went into the app to make a payment for half the amount I charged, copy and pasted my acct & routing number, but mysteriously my payment was rejected? Okay. Copy & pasted acct number again, but this time it works. They cut off my credit line for 90 days. I called after I paid the entire card off and asked them to please lift the hold on my credit line, as they can see it was a typo error and not due to insufficient funds. So they do, then a week later I get a letter saying they closed my account. I was a regular customer AND a former part-time employee. I have great credit and have never been late on a bill. So this experience has left me completely disappointed. I don’t know that I’ll ever purchase from L-Brands again.
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4 Star Rating
Verified CustomerIt s ok when I go there" I haven't been using very much these past few months. I will be going back there very soon for my granddaughters birthday gift
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5 Star Rating
Verified CustomerI love this card, and the benefits that come with using it. Especially since it can be used at Victoria's Secret and Bath and Body Works.
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5 Star Rating
Verified CustomerLove the card. Love the deals. Looking forward to many great purchases in the future. Hoping to raise the credit limit very soon. Thank you VS!
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Review Victoria's Secret Credit Card
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Offer last updated: Jun 24th, 2022 at 07:26 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
15.49% - 25.49% (V)
ANNUAL FEE
$0
REWARDS RATE
2% Cash Back
BONUS OFFER
None
MINIMUM CREDIT