The Victoria’s Secret Credit Card is designed for loyal shoppers who want to earn rewards and enjoy exclusive perks.
Issued by Comenity Bank, it offers multiple benefits like birthday gifts, early sale access, and free shipping opportunities.
In this guide, you'll learn how to apply, what features to expect, and how to make the most of your card.
Key Features and Benefits
The Victoria’s Secret Credit Card offers valuable perks for frequent shoppers—here are the key features you’ll enjoy after approval:
- Rewards and Points System: Earn 1–3 points per $1 based on tier. Every 250 points gives $10 off at Victoria’s Secret or PINK.
- Birthday and Anniversary Gifts: Get a special reward during your birthday and anniversary. Rewards are automatically applied if your date of birth is on file.
- Early Sale Access: Enjoy early access to sales, events, and new product launches before the general public.
- Free Shipping Offers: Enjoy free shipping promotions throughout the year, often with a minimum spend or code requirement.
- Account Management Tools: Use Comenity Bank’s portal to check points, view statements, and pay bills online.
- No Annual Fee: Neither the store card nor the Mastercard version incurs an annual fee.
- VS Mastercard Perks: Earn bonus points on dining, travel, and streaming when using the VS Mastercard outside the store.
Rewards and Points
The Victoria’s Secret Credit Card offers a tiered rewards system that lets you earn points with every purchase.
As you spend more, you unlock new tiers and greater perks. Here's how it works:
- Points per Purchase: Earn 1–3 points per $1, depending on your tier (Angel, VIP, or Forever).
- Reward Conversion: Every 250 points = $10 reward to use at Victoria’s Secret or PINK.
- Tier Progression: Reach VIP with $250 in annual spend; reach Forever with $500.
- Automatic Upgrades: Your tier status is automatically updated as your spending increases.
- Reward Redemption: Apply rewards at checkout, online or in-store.
- Expiration: Rewards expire if not used within 12 months.
Special Access and Offers
As a cardholder, you’ll enjoy exclusive perks and early access that aren’t available to regular shoppers.
These offers enhance your shopping experience and reward loyalty throughout the year.
- Early Sale Access: Get advance entry to semi-annual sales and limited-time events.
- Exclusive Promotions: Receive invites to cardholder-only events and notable product launches.
- Birthday Treats: Enjoy a reward during your birthday month, applied automatically.
- Anniversary Gifts: Get a special perk on your account anniversary.
- Free Shipping Offers: Qualify for free shipping promos on select purchases.
- Surprise Bonuses: Get occasional surprise offers sent via email or app notifications.
Eligibility Requirements
Before applying for this card, you’ll need to meet a few basic conditions.
These ensure that applicants can manage the credit responsibly.
- Minimum Age: Must be at least 18 years old or the age of majority in your state.
- U.S. Residency: Must have a valid U.S. mailing address.
- Social Security Number: A valid SSN or ITIN is required.
- Credit Check: Approval is based on your credit profile, as reviewed by Comenity Bank.
- Income Information: Must provide basic income details during application.
- No Prior Default: Should have a clean record with Comenity or affiliated cards.
How to Apply for the Victoria’s Secret Credit Card
You can apply online or in-store. The process is straightforward and typically yields a prompt decision.
- Online Application: Visit the official Victoria’s Secret or PINK credit card page and begin the application process.
- Fill Out Form: Enter your name, address, income, and Socihttps://www.victoriassecret.com/ph/?utm_source=chatgpt.comal Security Number.
- Submit Application: Review the terms and submit your details for instant approval in most cases.
- In-Store Option: Visit a Victoria’s Secret or PINK store and ask a staff member to assist you with the application process.
- Card Type Assigned: Depending on your credit, you’ll be approved for the store card or the Mastercard.
- Card Delivery: Approved cards are mailed within 7-10 business days.
Card Types: VS Credit Card vs. VS Mastercard
Victoria’s Secret offers two credit card options: the Victoria’s Secret Credit Card and the Victoria’s Secret Mastercard®.
Both provide rewards and perks, but they differ in where they can be used and the additional benefits they offer.
- Victoria’s Secret Credit Card: This is a store-only card, usable exclusively at Victoria’s Secret and PINK stores, both in-store and online.
- Victoria’s Secret Mastercard®: This card can be used anywhere Mastercard is accepted, allowing you to earn rewards on a broader range of purchases.
Both cards offer the same reward structure for purchases made at Victoria’s Secret and PINK.
The primary difference lies in Mastercard’s wider acceptance and potential for earning rewards on additional spending categories.
Fees and Interest Rates
The Victoria’s Secret Credit Card and Victoria’s Secret Mastercard®, both issued by Comenity Bank, come with specific fees and interest rates.
Understanding these charges is crucial to managing your account effectively.
- Annual Percentage Rate (APR) for Purchases: 35.99% variable.
- Minimum Interest Charge: $3.00 per billing period if interest is charged.
- Grace Period: At least 25 days after the close of each billing cycle. No interest is charged if the full balance is paid by the due date each month.
- Annual Fee: None.
- Paper Statement Fee: Up to $2.99/month if your balance exceeds $3.50 and you get paper statements. Avoid it by switching to paperless billing.
- Late Payment Fee: Up to $41. The fee is $30 if you haven't been charged a late fee in the previous six billing periods; otherwise, it's $41.
- Returned Payment Fee: Up to $41; drops to $30 if there is no returned payment fee in the last 6 billing periods.
- Alternative Payment Method Fee: Up to $15 for phone payments; fee disclosed before you confirm.
Account Management Tools
Managing your card is simple with online tools provided by Comenity Bank.
You can track your activity, pay bills, and monitor rewards at any time.
- Online Account Access: Log in through the Comenity Bank portal to manage your card.
- View Statements: Easily check current and past billing statements.
- Track Rewards: Monitor your points and see how close you are to your next reward.
- Make Payments: Schedule one-time or recurring payments securely online.
- Update Personal Info: Edit your contact details and preferences in your account.
- Enable Alerts: Set up email or text alerts to receive notifications for due dates, payments, and purchases.
Contact and Customer Service Information
If you have questions or need help managing your account, several customer service options are available.
Below are the key contact details:
- Card Issuer: Comenity Bank
- Customer Service Phone: 1-800-695-9478 (TDD/TTY: 1-800-695-1788)
- Service Hours: Monday to Saturday, 8 AM – 9 PM (ET)
- Online Account Access: Log in through the official Comenity Bank portal linked via the Victoria’s Secret website
- Customer Care Website: Visit the Victoria’s Secret support page for FAQs and live chat options
The Bottomline
The Victoria’s Secret Credit Card offers valuable rewards, exclusive perks, and convenient account tools for loyal shoppers.
With no annual fee and easy application options, it’s a smart choice if you frequently shop at Victoria’s Secret or PINK.
Apply today to start earning points and enjoying cardholder benefits.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Terms, rates, and offers may change; always check the official Victoria’s Secret or Comenity Bank website for the most current details.
