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Victoria’s Secret Credit Card Review: Is It the Right Card for You?

Anya Kartashova
Updated on: 04/25/2018
RE®: 81
Our Rating
Victoria's Secret Angel Credit Card
Apply Now
For excellent/good credit
  • 98
    for Victoria's Secret Customers
  • 82
    for Purchases
  • 63
    For Everyday Use

“Get $15 off your first purchase, free shipping and other discounts with the Victoria’s Secret card.”

How often have you been shopping at the mall and a cashier asks if you want to apply for a credit card? I bet it happens a lot. That’s because almost every store has its own credit card these days, offering some benefits or discounts to frequent shoppers.

The Victoria’s Secret Angel card is one of those store-branded credit cards. It gives customers free shipping, birthday gifts and shopping rewards. You’ll save $15 on a future purchase, too. Issued by Comenity Bank, the Angel credit card also offers insider access and invites to shopping events throughout the year.

Card members earn three points for each dollar spent on bras and one point per dollar for all other purchases. Note that there are seldom opportunities to earn triple points on an entire purchase and rewards are issued in the form of gift cards.

The Angel card charges no fees and undoubtedly targets frequent Victoria’s Secret shoppers. Having access to special discounts is nice, but rewards are limited to Victoria’s Secret and PINK stores only.

If the lingerie store is a must-stop for you, you’ll benefit by holding this credit card. Let’s take a closer look at the Victoria’s Secret Angel credit card and its perks.

Victoria’s Secret Credit Card Features and Benefits

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Victoria's Secret Angel Credit Card offers and the value of the points you earn.

Bonuses

New cardholders receive a $15 coupon that can be used for the next purchase after signing up for the credit card. The dollar amount is like a sign-up bonus. Say you buy a $30 bra; you’ll receive 50 percent off your purchase with the coupon. The savings aren’t substantial, but they’re savings nonetheless.

The Angel Rewards Program features three membership tiers: Angel, Angel VIP and Angel Forever. The more you spend, the higher your tier. To reach the Angel VIP tier, you must spend $500 within a rolling 12-month period. To reach the Angel Forever tier, you must spend $1,000 within a rolling 12-month period.

Every 250 points you earn with the Angel card translate to a gift certificate that can be redeemed toward a Victoria Secret purchase. They’re good both in-store and online. Angel members receive a $10 certificate, but Angel VIP and Angel Forever members receive a $15 certificate.

Every year, Victoria’s Secret will send cardholders a birthday gift in a form of a $10 coupon. Angel VIP and Angel Forever members also enjoy invitations to special events and options to earn triple points. The Angel Forever members receive an anniversary gift of $10 as well.

The Victoria’s Secret Angel credit card has no annual fees.

What You Get

  • Receive $15 off your first purchase
  • $10 gift card for every 250 points earned
  • $10 birthday gift
  • Free shipping
  • No annual fee

In-Store Financing

The Victoria’s Secret Angel credit card does not offer any special financing to cardholders. In fact, the annual percentage rate is quite high at 26.49% Variable±. There’s no intro APR offer, either.

Such a high interest rate is a big downside of this rewards card. I recommend paying off your balance in full every month to avoid paying interest and negating the value of your rewards.

Customer Perks

When shopping on the store’s website, Victoria’s Secret Angel card members receive free shipping on orders that include bras. The offer applies to standard shipping within the 48 contiguous states only. To take advantage of the offer, cardholders must use the Angel card to pay for the order.

Everyday Earnings with Victoria's Secret Angel Credit Card

The Angel credit card earns 3 points per dollar spent on bras and 1 point per dollar spent on everything else at Victoria’s Secret and PINK stores. Additionally, Victoria’s Secret Angels can select triple points days on which they earn three points per dollar spent on everything purchased that day. The points can be redeemed for gift certificates to Victoria’s Secret stores, and the amount depends on your membership tier.

Victoria's Secret Credit Card Rewards

Your Monthly Charges
Rewards You Will Earn Annually
24,000points$960in dollar value
VS Bra Purchases
3points/$1
All Other Purchases
1points/$1

What Is the Value of Victoria’s Secret Points

Depending on your membership tier level, you will receive either a $10 or a $15 gift certificate for every 250 points you earn, which translates to a rewards rate of 4 or 6 percent. Compared to most rewards cards that offer 1 or 2 percent back, that’s pretty good. Keep in mind that your rewards are limited and can only be used at Victoria’s Secret.

Earned Points
250 points
Examples
$10 Victoria’s Secret Gift Card (Angel members)
Average CPP
4.00cpp
Dollar Value
$10
Earned Points
250 points
Examples
$15 Victoria’s Secret Gift Card (Angel VIP and Angel Forever members)
Average CPP
6.00cpp
Dollar Value
$15

What is CPP and How is it Calculated?

Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.

We use the following formula to calculate the CPP:

÷×100=
The final result:
4.00cpp

Should You Get the Victoria's Secret Credit Card?

If you’re someone who has to make a stop at Victoria’s Secret every time you visit your local mall to stock up on your undies, bras and sleepwear, you might benefits from carrying the Angel credit card. Making a purchase at least once every 12 months extends the life of your rewards, and card membership doesn’t cost a dime.

The first-purchase discount is $15, but you also receive $10 or $15 (depending on tier level) for every 250 points you earn and then another $10 gift card every year on your birthday. The Angel card has no fees and offers customers plenty of opportunities to save money at the lingerie store.

Remember to pay off your card every month, though. If you carry a balance, the card’s high APR will erase any rewards you earn.

The Victoria’s Secret card might also benefit those consumers whose credit score has seen better days. The truth is that store cards are much easier get, and this why they’re not as rewarding as bank-issued cashback or travel cards.

However, if you’re looking to change things around, you could apply for the Victoria’s Secret credit card, make on-time payments and increase your score over time. As already mentioned, make sure to pay off your balance every month because the interest rate is too high to keep a revolving balance.

Once your score is high enough, I recommend looking into bank-issued rewards credit cards, which typically have better rewards programs and earn flexible points that give you more earning and redeeming options. Rewards cards, like Chase Freedom Unlimited, Citi Double Cash and Qucksilver Cash Rewards, earn cashback rewards on all purchases at any store. You could be earning up to 2 percent cash back with those cards, and it is not limited to a specific merchant.

Overall, the Angel card has higher rewards than most store credit cards, but the rewards are still very limited. The chances to save money at Victoria’s Secret and PINK stores present themselves often, and using this card responsibly can help you build on-time payment history.

If you do not shop at either store frequently, it is obvious that this credit card will not be very useful to you. If you have a high score, you might want to consider some alternatives and pick a travel card or a cashback card to earn more versatile rewards.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Where can I use my Victoria’s Secret Angel credit card?

    You can swipe the Angel card at all Victoria’s Secret locations, PINK stores and Bath and Body Works locations in the United States. All Victoria’s Secret purchases and PINK purchases earn points as per regular earning structure, but Bath and Body Works purchases do not earn any points. Keep that in mind before using your Victoria’s Secret credit card there.
  • What credit score do I need to qualify for the Victoria’s Secret credit card?

    Victoria’s Secret Angels who would like to apply for the store’s credit card can qualify even with a poor score. Although approval is not always guaranteed, your score can be 579 or even lower. Keep in mind that your results will vary and you might be approved for a low credit limit at first.
    Still, if your score is on the low end, I recommend looking for ways to increase it. To find out where you stand with the credit bureaus, check with one of the free services, such as Credit Karma or Credit Sesame. It’s always good to know your credit score before applying for an additional credit line.
  • When does the Angel card starting charging interest?

    After your statement closes, you have 25 days to pay off your balance in full. If you don’t, interest rates will apply to your bill. As a reminder, there is no introductory APR offer.
    The standard APR on this card is 26.49% Variable±. In order to avoid paying interest and missing out on the value of your rewards, it’s best to pay off your bill in full every month. Doing so will help you establish on-time payment history and help you increase your credit score.
  • How can I earn triple points on my Victoria’s Secret purchases?

    Angel cardholders have an option to select their triple points days. To make a selection, call 1-844-3XANGEL (92-6435) within 90 days of making a purchase. The number of triple points days per year depends on your membership tier. Standard Angel members get one day, Angel VIP members get two and Angel Forever members get three.
    After making the selection, bonus points can take up to six weeks to be applied. Also, all bra purchases always earn 3X points, including clearance and discount bras.
  • Do Victoria’s Secret points expire?

    Yes, Victoria’s Secret points have an expiration date, which is a downside. If your account has no activity for 12 consecutive months, you will lose all your accumulated points. Remember to shop at Victoria’s Secret or PINK stores at least once per year to avoid losing your unredeemed points.
    Additionally, Angel Rewards certificates expire 90 days after being issued so you have to make sure to use them within three months.
  • Is the PINK Angel card different from the Angel card?

    No, the cards are essentially the same. Both can be used on purchases at either Victoria’s Secret or PINK stores and offer the same benefits to cardholders. Neither credit card has annual fees.
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Compare Victoria's Secret Credit Card

Victoria's Secret Angel Credit Card
For Excellent/Good Credit
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Compare Card Benefits by Elite Status Tier

Victoria’s Secret offers the same credit card to the store’s frequent customers, but the benefits vary depending on membership tiers. Let’s see what the differences are among them.

Sign-up bonus$15 discount$15 discount$15 discount
Annual Fee

$0

$0

$0

APR On Purchases26.49% Variable±26.49% Variable±26.49% Variable±
Foreign FeeN/AN/AN/A

Base level Angel card members get free shipping on purchases that include bras when shopping online, a $10 birthday coupon and a $10 certificate for every 250 points earned. There’s no annual spending requirement to become an Angel cardholder.

Angel VIP members must spend at least $500 within any 12-month period on Victoria’s Secret purchases. In addition to base-level perks, Angel VIPs get insider access and invitations to Victoria’s Secret store events and a $15 certificate after earning 250 points.

Angel Forever members must spend at least $1,000 at Victoria’s Secret annually to qualify for the additional benefits. They include a $15 certificate for every 250 points earned and a special anniversary gift in the amount of $10 toward Victoria’s Secret purchases every year.

Some Alternative Cards for Victoria’s Secret Shoppers

Store cards in general, and the Angel card specifically, require a lower credit score for approval. But bank-issued cashback cards typically offer more return on your spending. Also, rewards earned with the Victoria’s Secret credit card are limited to just Victoria’s Secret stores. Let’s look at a few cashback cards whose rewards are as good as cash anywhere.

$15 off your first purchase
Victoria's Secret Angel Credit Card

Check if Victoria's Secret Angel Credit Card is the best option for you

Best Cashback Card

Citi Double Cash is one of the most rewarding no-fee cashback cards available. It earns 2.0 percent back in any category. You’ll get 1 percent when you make a purchase, and then another 1 percent after you pay off the balance.

Rewards are unlimited, and the card costs nothing to keep. The best part is that there are no category restrictions. Every single purchase earns 2.0 percent cash back.

Rewards can be applied toward any statement in any amount. Travel? Clothing? Groceries? Everything! When it comes to cashback credit cards, Citi Double Cash is hard to beat.

Best Rotating Category Card

The Discover it Card earns 5.0 percent cash back in popular rotating categories, such as grocery stores, drug stores, restaurants, gas stations, wholesale clubs and more. Although the bonus cash back is capped at $1,500 every quarter, there’s no limit to how much you can earn after the cap is reached.

At the end of the first year, Discover will match all cash back you’ve earned and double it! There’s no cap to that bonus, either. The card has $0 annual fee, and the rewards can be redeemed toward any purchase.

Biggest Sign-Up Bonus

With the Chase Freedom Unlimited card, you can earn $150 after spending just $500 in the first three months. The card earns a flat rate of 1.5 percent back on every purchase.

If you carry an Ultimate Rewards card from Chase, such as Chase Sapphire Preferred or Chase Sapphire Reserve, then rewards earned with the Freedom Unlimited card can be transferred to those accounts. That means that they can be worth even more than one cent each because they can be transferred to airline partners or redeemed through UR travel portal and earn a bonus.

With this card, the spending requirement is easy to meet and there’s $0 annual fee. All of your rewards are essentially free.

If you have applied for more than five credit cards in the last 24 months, you won’t able to qualify for the Freedom card because of Chase’s 5/24 rule. If that’s the case, I recommend the Quicksilver from Capital One, instead.

This credit card is similar to the Freedom Unlimited. It earns the same 1.5 percent cash back on all purchases, and new cardholders receive a $150 welcome bonus after spending $500 in the first three months.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Recommended Credit Score
579
Issuer
Comenity Capital BankComenity Capital Bank
Rewards Currency
Victoria’s Secret points

Card Terms and Conditions

While it's easy to focus on the benefits of the Victoria’s Secret card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this store credit card.

Purchases

Intro APR:
See Terms and Conditions
Intro APR for balance transfers:
See Terms and Conditions
Ongoing APR:
26.49% Variable±
Minimum Grace Period:
25 days

Cash Advance Features

Ongoing APR:
See Terms and Conditions
Cash Advance Fee:
See Terms and Conditions

Security and Protections

Victoria’s Secret cardholders have zero fraud liability on charges made without proper authorization. You can manage your Angel card’s activity online, set up account alerts and review transactions, as well as check your balance and pay off your bill on the go.

Additional Cardholder Benefits

Since the Victoria’s Secret credit card is not issued as a Visa, MasterCard, American Express or Discover card, then it does not include any additional cardholder benefits. Most store-branded cards do not. If you’d like car rental insurance, purchase protection, extended warranty coverage or other cardholder benefits, consider applying for a standard, bank-issued credit card.