- Up to $25 in initial bonuses
- 12% back on bra purchases
- Free shipping on purchases of $50 or more
- Up to 6% back on all non-bra purchases
- $10 birthday gift
- High regular APR
Victoria’s Secret Credit Card Review Summary
The Victoria's Secret Credit Card is a good store credit card for frequent Victoria’s Secret shoppers who have fair credit or better. With a $0 annual fee and solid rewards, the Victoria’s Secret Credit Card is worth it as long as you pay the bill in full every month and avoid interest.
Most purchases that you make with the card will earn you 1 point per $1 spent, and every 250 points is worth $10 or $15 in Victoria’s Secret credit, depending on your rewards tier. That works out to 4% and 6% back, respectively. But being a cardholder also scores you triple points on all bra purchases, boosting your earning rate to 12%. Just to put all this in perspective, the average rewards credit card gives you roughly 1% cash back.
That 4% to 12% earning power, coupled with the lack of an annual fee, is so impressive that it’s easy to overlook the modest bonuses this card provides: $15 off your next purchase and $10 each year on your birthday. You should not, however, overlook this store card’s biggest weakness: its 24.99% (V) APR. That rate is above average compared to both store credit cards and “fair credit” credit cards and should serve as a reason to always pay your bill in full.
- Take $25 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.
Victoria’s Secret Credit Card Highlights
Up To 6% Back On Most Purchases
For the most part, you will earn 1 point for each $1 you charge to the Victoria's Secret Credit Card, with no cap on the number of points that you can earn. Every 250 points you earn is worth $10 or $15 in store credit (depending on your rewards tier), mailed to you in the form of a gift card within three to six weeks. That means every $1 you spend earns you $0.04 to $0.06 in credit, or 4% or 6% back, respectively. That is a wonderful earning rate, even for a store card.
Extra “Padding” On Bra Buys
The ability to effectively receive 12% off all bra purchases (including clearance and discounted bras), thanks to triple points in this category, is enough to make even the most beautiful Victoria’s Secret Angel drool. Add free shipping in the contiguous 48 states for online orders that include at least one non-clearance bra to the mix, and you’ve got yourself a bra bargain bonanza.
Nice Little Bonuses
Roughly $28 in first-year bonuses — between a 50-point online-account signup incentive, $25 discount on your next purchase and $10 birthday gift — isn’t much, but it’s better than nothing and could certainly get you a nice clearance item.
No Annual Fee
You won’t have to feel guilty about adding the Victoria's Secret Credit Card to your wallet because it doesn’t charge an annual fee. That means this card can provide unadulterated savings if you pay your bill in full each month. For context, the average card charges $21, according to WalletHub’s latest Credit Card Landscape Report.
Requires Only “Fair” Credit For Approval
You can get the Victoria's Secret Credit Card even if you’ve yet to build much of a credit history. That means it can help you look great while also getting your credit score into better shape. If you don’t know where your credit stands, you can check it for free on WalletHub. WalletHub is the first and only site to offer free credit scores and full credit reports that are updated on a daily basis.
Victoria’s Secret Credit Card Lowlights
High Regular APR
The average credit card for people with fair credit has a 22.9% regular APR. The average store credit card charges 24.42%. But the Victoria's Secret Credit Card loses out to both, sporting a 24.99% (V) regular APR. To put this in terms of dollars and cents, a $300 balance paid over the course of a year, for example, would accrue roughly $43 in interest.
The points that you earn will expire after one year or if you close your account or file for bankruptcy. Furthermore, Angel Rewards certificates expire after 90 days of issuance. So it’s best to get in the habit of quickly redeeming your earnings.
Other Things To Consider About the Victoria’s Secret Credit Card
Access To Special Sales & Status
As a Victoria’s Secret cardholder, you will receive not only early access to the retailer’s legendary semi-annual sale, but also at least one day each year during which all non-bra purchases yield 3 points per $1 spent. Just keep in mind that you have to designate so-called “Triple Points” Days within three months of making a purchase.
Furthermore, you will have the opportunity to reach “Angel VIP” status after accruing 500 points (i.e. spending $167 to $500) and “Angel Forever” status after earning 1,000 points (i.e. spending $333 to $1,000). Each status tier provides improved benefits, as you can see from the following table.
|Angel||Angel VIP||Angel Forever|
|Points Needed To Qualify||None||500 points||1,000 points|
|Value Of 250 Points||$10||$10||$15|
|Annual Birthday Gift||$10||$10||$15|
|Triple Points On Bra Purchases|
|“Triple Points” Days||1||2||3|
|Free Standard Shipping On Purchases Including Non-Clearance-Priced Bras|
|Early-Sale & Special-Event Access|
|Free Gifts & Additional “Triple Points” Opportunities|
|Occasionally Free Standard Shipping On Non-Bra Purchases|
|Annual “Thank You” Gift|
|Duration Of Status (Until Renewal Or Upgrade from “Angel”/“Angel VIP”)||1 Year||1 Year||2 Years|
Can Be Used At Bath & Body Works
Although it’s a store card, the Victoria's Secret Credit Card isn’t restricted to Victoria’s Secret purchases. It can also be used at Bath & Body Works, though such purchases will not earn rewards.
“Forgotten Card” Convenience
If you find yourself wanting to make a Victoria’s Secret purchase when you don’t have your Victoria’s Secret Card on you, don’t worry. As long as you have ID, customer service will be able to locate your account and you will be free to shop.
Victoria’s Secret Credit Card vs. the Competition
To fully determine whether Victoria’s Secret is all nice or a bit naughty as well, we compared her plastic to cards offered by competing retailers as well as what we consider to be one of the best overall cash back credit cards on the market. You can check out our findings below.
Victoria's Secret Credit Card
Macy's Store Card
Nordstrom Store Card
Amazon.com Store Card
|Rewards Bonus||$25||20% discount||$40||$60 Amazon gift card|
|Rewards Rate||1 point / $1||2 points / $1||3 points / $1||0 - 5% back in rewards|
|Purchase Intro APR||N/A||N/A||N/A||0% for 6 - 24 months|
|Transfer Intro APR||N/A||N/A||N/A||N/A|
|Regular APR||24.99% (V)||25.24% (V)||25.9% (V)||25.99% (V)|
|Details, Rates & Fees||Learn More||Learn More||Learn More||Learn More|