The Victoria’s Secret Credit Card offers loyal shoppers exclusive perks, from reward points to special birthday treats.
Whether you frequently shop at Victoria’s Secret or PINK, having the card can make your purchases more rewarding.
This guide will show you exactly how to apply and what to expect during the process.
Types of Victoria’s Secret Credit Cards
Victoria's Secret offers two credit cards to cater to different shopping needs. Knowing the difference helps you pick the one that fits your spending habits.
Victoria’s Secret Credit Card (Store-Only)
- Can only be used at Victoria’s Secret and PINK, in-store or online
- Offers rewards and perks for frequent brand shoppers
Victoria’s Secret Mastercard®
- Usable anywhere Mastercard is accepted
- Includes all store card benefits
- Earns extra rewards on dining, travel, and streaming purchases
Key Features
The Victoria’s Secret Credit Card offers exclusive benefits tailored for frequent shoppers of Victoria’s Secret and PINK.
Understanding its key features can help you decide if it's the right fit for your shopping habits.
- Card Options: Choose between the store-only Victoria/PINK Credit Card or the Mastercard, which works anywhere Mastercard is accepted.
- Rewards Program: Earn 10 points per $1 at VS and PINK. Mastercard receives 4 stars for dining, travel, and streaming and 2 stars for other categories.
- Tiered Benefits: Begin at Silver status and progress to Gold by increasing your spending each year.
- Exclusive Perks: Receive a $10 birthday reward, anniversary discounts, and early access to sales.
- No Annual Fee: Use the card without paying a yearly fee.
- High APR: Purchases carry a variable APR of 35.99% if not paid in full.
- Reward Redemption: Points auto-convert to $10 rewards for every 2,000 points. Rewards expire in 90 days.
Eligibility Requirements
To apply for the card, you need to meet a few basic conditions. These help the issuer verify your identity and assess your creditworthiness.
- Be at least 18 years old
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Have a U.S. mailing address
- Have fair credit or better (recommended score: 640+)
Step-by-Step Application Process
Applying for the Victoria’s Secret Credit Card is quick and done online. Follow these simple steps to complete your application:
- Step 1: Visit the Official Website: Go to the Victoria’s Secret or Comenity Bank website and navigate to the credit card section.
- Step 2 – Choose Your Card: Select either the store-only card or the Mastercard version.
- Step 3 – Fill Out the Form: Enter your name, address, SSN or ITIN, income, and contact info.
- Step 4 – Review and Submit: Check your details and agree to the terms. Then, submit your application.
- Step 5 – Get a Decision: Most applicants get an instant approval or denial. Others may be notified by mail.
How to Manage Your Card After Approval
Once you're approved for this card, managing your account is straightforward.
You can handle most tasks online or through the mobile app.
- Register Online: Sign up for online account access through the card issuer’s website.
- Use the Mobile App: Download the Victoria’s Secret app to monitor your account, make payments, and view transactions.
- Set Up Alerts: Enable notifications for due dates, purchases, and special offers.
- Enroll in Paperless Billing: Select electronic statements to minimize clutter and access your billing information anytime.
- Contact Customer Service: For assistance, call the number on the back of your card.
How Reward Works
The Victoria’s Secret Credit Card lets you earn points on purchases, which are converted into reward certificates.
Here’s how the reward system works:
Earning Points
- Earn 10 points for every $1 spent at Victoria’s Secret and PINK.
- Mastercard holders also earn 4 points per $1 on dining, travel, and streaming and 2 points per $1 on other purchases.
Reward Conversion
- Every 2,000 points = $10 reward.
- Rewards are automatically issued and applied to your account.
Redemption
- Rewards can only be used at Victoria’s Secret and PINK stores or on their respective websites.
Expiration
- Rewards expire 90 days after they’re issued.
- Unused points may also expire if no purchase activity occurs within 12 months.
Interest Rates and Fees
Understanding the interest rates and fees associated with this card is crucial to managing your account effectively.
Here’s a concise overview of the key financial terms:
- Annual Percentage Rate (APR): 35.99% variable for purchases.
- Minimum Interest Charge: $3.00 if interest is charged.
- Late Payment Fee: Up to $30.00 if no late fee was charged in the previous six billing periods; otherwise, up to $41.00.
- Returned Payment Fee: Up to $30.00 if no returned payment fee was charged in the previous six billing periods; otherwise, up to $41.00.
- Paper Statement Fee: $2.99 per month if your balance exceeds $3.50 and you opt for a paper statement. Avoid it by choosing paperless billing.
- Alternative Payment Method Fee: Up to $15.00 for expedited payments made over the phone.
- Grace Period: At least 25 days after the billing date. No interest is charged if the full balance is paid by the due date.
Pros and Cons of the Victoria’s Secret Credit Card
This card offers solid benefits for loyal Victoria’s Secret and PINK shoppers, but it also comes with some critical drawbacks.
Here's what to consider before applying:
Pros
- High rewards on Victoria’s Secret and PINK purchases
- No annual fee
- Birthday rewards and exclusive offers
- Access to special member events
- The Mastercard version can be used anywhere.
Cons
- High 35.99% APR
- Limited use for store-only version
- Rewards expire in 90 days
- No major travel or general cashback perks
- Fees for paper statements and late payments
Customer Service and Contact Info
If you need help with your Victoria’s Secret Credit Card, you can reach customer support through several options. Here's how to get assistance:
- Card Issuer: Comenity Bank
- Customer Service Phone Number: 1-800-695-9478
- TDD/TTY: 1-800-695-1788 (for the hearing impaired)
- Mailing Address: Comenity Bank, PO Box 182273, Columbus, OH 43218-2273
- Online Help: Use the secure message center via your online account
- Live Chat: Available on the Victoria’s Secret official website
- Mobile App Support: Access help and manage your account through the Victoria’s Secret app
The Bottomline
The Victoria’s Secret Credit Card offers great perks for frequent shoppers, from rewards to exclusive deals.
Just be sure to manage your balance wisely due to the high APR. If the benefits match your shopping habits, apply online today and start earning rewards.
Disclaimer
Terms, rates, and rewards for the Victoria’s Secret Credit Card are subject to change by Comenity Bank.
Always review the latest information on the official website before submitting your application.
