How the Victoria’s Secret Credit Card Works: Benefits and Rewards

Victoria’s Secret (VSCO), one of the world’s most well-known lingerie companies that also sells clothes, perfumes, and body care products, has its own branded credit card called the Victoria card.

The Victoria’s Secret card, like many co-branded credit cards, offers various perks to customers who frequent the business. Its main rivals are Gap and Lane Bryant cards, with which it shares many characteristics.

Key Takeaways

• The Victoria’s Secret credit card is accepted at all Victoria’s Secret shops and websites, as well as sister brands PINK and Bath & Body Works.
• The Victoria’s Secret card features three categories based on how much a cardholder spends each year, each with its own set of benefits and bonuses. 1
• Every dollar spent earns one point for all cardholders. 1
• As with other proprietary store cards, Victoria’s Secret’s card works best for people who buy the brand’s items on a regular basis.

How the Victoria’s Secret Credit Card Works

The Victoria card is issued by Victoria’s Secret in collaboration with Comenity Bank. Comenity, situated in Draper, Utah, offers a revolving line of credit to Victoria’s Secret consumers. Cardholders of Victoria’s Secret get incentives based on the value of their purchases, both online and in-store. 1

Where Can the Victoria’s Secret Credit Card Be Used?

The Victoria card may be used for online purchases at VictoriasSecret.com or in-store purchases at Victoria’s Secret or PINK stores. It is also accepted in Bath & Body Works locations, albeit purchases there do not generate reward points. 2

Rewards and Benefits of the Victoria’s Secret Credit Card

There are three award categories based on the amount of money spent over a rolling 12-month period: basic, silver, and gold. On their Victoria’s Secret credit card, all cardholders get one point for every $1 in net new purchases. When a cardholder accumulates a particular amount of points, he or she is promoted to the next level. 1

The basic Victoria card is the first tier. All cards get triple points on all bra purchases, free shipping on eligible purchases (over $50), and one triple-point day of their choosing. Cardholders also get $10 on their birthday each year the card is valid, as well as a $10 incentive to spend on future purchases. 1

The Victoria silver card is the second tier. Cardholders acquire this tier by accumulating 250 points on their Victoria’s Secret card over a 12-month period. Silver cards earn points at the same rate and level as basic Victoria cardholders and get the same yearly $10 reward and birthday treat, but they also get a half-birthday gift of $10 and a 15% discount on their sign-up anniversary.1

The Victoria gold card is the highest tier. To be eligible, the cardholder must accumulate 500 points on their Victoria’s Secret credit card during a 12-month period. A gold cardholder also receives $15 in birthday and half-birthday goodies, as well as a 20% anniversary discount. 1

Other little bonuses and unique events may occur on a monthly basis. To preserve the tier, a cardholder must spend the same amount each year; otherwise, the card will return to a lower tier.

Where Can I Get the Victoria’s Secret Credit Card?

The Victoria’s Secret credit card may be obtained by visiting www.TheVictoriaCreditCard.com or www.comenity.net/ac/victoriassecret/public/home. Online applications are accepted, as are in-person applications at any Victoria’s Secret or PINK shop. To begin your application, you must first establish or join in to your VictoriasSecret.com account.

What Kind of Credit Is Required for the Victoria’s Secret Credit Card?

Applicants must be at least 18 years old, have a valid government-issued picture ID and a U.S. Social Security number, and be a US resident with a valid postal address. When deciding whether to offer credit to a prospective cardholder, Comenity Bank validates personal information and receives a copy of the consumer’s credit record. 3

The credit limit on the card is determined by the applicant’s personal credit history and financial situation. However, retail credit cards seem to be simpler to get than general-purpose cards. Because the Victoria card is free to get and use properly, it may be a useful approach for someone with a minimal credit history to build up a positive record. 1

Terms and Conditions of the Victoria’s Secret Credit Card

The Victoria card, like other store-branded credit cards, has a high interest rate: The advertised annual percentage rate (APR) is 24.99% as of February 2022. It is a variable rate that varies with the prime interest rate. If a cardholder pays off their whole debt by the due date each month, and the payment due date is at least 25 days following the closure of each billing cycle, no interest is charged. 4

The Victoria card, like other shop cards, has no annual cost, but there are fees for late and returned payments. If a cardholder fails to pay their account on time, they may be charged a fine of up to $41. Fees for returned payments may reach $25.4.

Late payments, like any other credit card, may harm the cardholder’s credit score. Cardholders should read their cardholder agreements completely for all information.

By the Numbers

• Annual percentage rate (APR) variable: 24.99%4
• Late fee: Up to $414
• Fee for returned payments: up to $254
• Grace period: 25 days4

How to Cancel the Victoria’s Secret Credit Card

Because Comenity Bank controls the card, you must contact them to deactivate your Victoria’s Secret credit card. To deactivate your card, contact Comenity at (800) 695-9478 or TDD/TTY at (800) 695-1788. You can also send them a message using their Secure Message Center. 5

Victoria’s Secret Credit Card Customer Service

Comenity urges clients to use the Account Center to manage their Victoria’s Secret credit card account online. You may visit the Account Center at any time and monitor your balance, transactions, and statements, as well as make payments to your card. If you haven’t already, you may sign up for this service here.

You may also contact Customer Service at the numbers listed above. 6

Who Should Consider the Victoria’s Secret Credit Card?

Obtaining a store credit card makes sense for customers who buy at that merchant on a frequent basis. If you have a strong affinity for Victoria’s Secret and/or PINK and are seeking for special discounts, applying for a Victoria card might be a wise decision.

However, be aware that store cards might be problematic if you are unsure that you will be able to make your payments on time. These cards have a high interest rate, which may rapidly negate any advantages if you do not pay off your debt in full each month.

Where Can I Use the Victoria’s Secret Credit Card?

The Victoria’s Secret credit card is accepted at all Victoria’s Secret, PINK, and Bath & Body Works locations, as well as on VictoriasSecret.com.

How Can I Pay My Victoria’s Secret Credit Card?

Your Victoria’s Secret credit card may be paid in-store or online. You may also make a payment by phone by dialing (800) 695-9478 or TDD/TTY (800) 695-1788 from 8 a.m. to 9 p.m. Eastern time, Monday through Saturday. 1

How Can I Find Out How Many Points I Have Earned?

You may check the number of points required for your next prize online. Call (800) 695-9478 or TDD/TTY (800) 695-1788 to find out how many points you’ve earned on your account. 8 a.m. to 9 p.m. Eastern time, Monday through Saturday. 2

The Bottom Line

The Victoria card, like proprietary credit cards, only works with one merchant: Victoria’s Secret (and its corporate sister retailers).While it comes with various bonuses and privileges that make cardholders feel like they are a part of the Victoria’s Secret family, the main benefit is that it accumulates points that may be converted into money or discounts on future purchases. These prizes are often only available for a short time.

Overall, this card is best suited for customers who already spend money at Victoria’s Secret early and often. Those who aren’t huge fans of the brand will think the Victoria card has minimal appeal.

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