Credit Cards » Credit Card Reviews » Victoria’s Secret Credit Card Review (2024)
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Victoria’s Secret Credit Card Review (2024)

Victoria's Secret offer high rewards ratio and exclusive deals on Victoria and PINK purchases. However, other benefits are limited
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Victoria's Secret Credit Card

Victoria's Secret Credit Card

Rewards Plan

1% – 5% 5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases

Welcome Bonus

$25 $25 off in first purchase

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$0

APR

29.49%
Victoria's Secret Credit Card

Victoria's Secret Credit Card

Rewards Plan

1% – 5%


5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases

Welcome Bonus

$25


$25 off in first purchase

0% Intro

N/A

PROS

CONS

APR

29.49%

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

Fair

If you shop at a specific retailer on a regular basis, getting a store credit card could be a wise financial decision.

This is relevant also for Victoria's Secret card –  if you have a strong affinity for Victoria's Secret and/or PINK and are always looking for exclusive deals, applying for a Victoria card could be a wise decision. The card not only grants you access to exclusive promotions and discounts, but it can also assist you in earning reward points that can be redeemed for exciting products and services.

A Victoria's Secret credit card can also provide a variety of additional benefits such as free shipping, birthday gifts, and early access to sales events.

  • Birthday Gift
  • Exclusive Offers
  • $25 Off On First Purchase
  • $30 Bonus Gift Upon Spending
  • Limited Redemption Options
  • Low And Limited Reward Rates

In this Review

Estimating Your Rewards: A Practical Simulation

The following table showcases a rewards simulation that highlights the benefits of using Victoria's Secret. It provides an approximate calculation of the rewards that you could earn by using the card for your expenses across various categories.

Victoria's Secret Credit Card

Spend Per Category
Victoria's Secret Credit Card
$10,000 – U.S Supermarkets
$100
$3,000 – Restaurants
$60
$3,000 – Victoria’s Secret
$150
$5,000 – Airline
$100
$3,000 – Hotels
$60
$4,000 – Gas
$40
Estimated Annual Cashback
$510

Pros and Cons

Just like any other credit card, the Victoria’s Secret card has some advantages and disadvantages:

Pros
Cons
Birthday Gift
Low And Limited Reward Rates
Exclusive Offers
High APR
$25 Off On First Purchase
Limited Redemption Options
$30 Bonus Gift Upon Spending
Free Shipping

There is a gift in this card for your birthday. On your birthday, you will receive a $10 ($15 for Gold Cardmemeber) reward to spend in-store or online at Victoria's Secret or PINK.

Victoria’s Secret Credit Card offers $25 off on the first purchase when you get approved and use Victoria’s Secret Credit Card at Victoria’s Secret or PINK.

When you apply and get approved for the Victoria's Secret Credit Card, you will be eligible for a $30 bonus gift.

To receive this gift, you must spend a minimum of $500 on purchases outside of Victoria's Secret within the first 90 days of opening your account.

When you shop at Victoria's Secret or PINK, you will receive free shipping on orders over $50. If you are a Gold Cardholder, you will receive free shipping on orders over $25.

As a Cardholder, you can take advantage of several exclusive benefits offered by Victoria's Secret. 

These benefits include access to exclusive offers, invites and discounts throughout the year, such as free shipping or percentage off purchases.

The Victoria’s Secret credit card offers good rewards for purchases done only at Victoria’s Secret and PINK, but on other categories like dining and travel, it offers lower rate, especially when comparing it to other store cards such as Amazon or Apple cards.

Also, the rewards may be limited in comparison to other credit cards that offer rewards for purchases made at a wider range of merchants.

Victoria's Secret Credit Card comes with an high APR rate of 29.49% . The APR is the interest rate charged on any balance carried on your credit card.

A high APR can result in higher interest charges, making it difficult to pay off your balance in full and leading to debt accumulation.

If you’re not a frequent Victoria’s shopper you won’t be much benefiting from this card. There are no transfer partners with this card, so you cannot transfer your points.

You only have the option to redeem your points with Victoria’s Secret or Pink, so its usability is limited.

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Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

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2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
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Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Welcome Bonus:
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Welcome Bonus:
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Welcome Bonus:
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

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2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
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Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Who Is The Victoria’s Secret Credit Card For?

Using a co-branded credit card can provide significant benefits for people who frequently shop at Victoria's Secret.

The Victoria's Secret Credit Card is tailored for those who make regular purchases at the store or online, and offers access to exclusive promotions, free shipping, and unique financing opportunities. The card provides exceptional discounts, reward points, and other advantages that are geared towards frequent Victoria's Secret shoppers.

Moreover, the Victoria's Secret Credit Card can be a suitable option for individuals who want to establish or improve their credit history, especially if they are frequent shoppers at Victoria's Secret. By using the card responsibly and regularly, you can build a positive credit profile that could lead to higher credit scores and eventually provide access to other credit options.

If you are looking for an alternative co-branded, clothing store card – here are some options:

Card
Rewards
Bonus
Annual Fee

American Eagle Credit Card review

30X – 40X 15 points Instant for cardmembers. 30 points per dollar spent at American Eagle, 20 points if you spend more than $350 annually
30% off your first order
$0

macy amex card

2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100
$0

sears credit card

1% – 5% 5% back on Sears + 5% eligible gasoline purchases, 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at eligible merchants such as Sears or Kmart, and 1% on all other purchases
None
$0

Kohl's Capital One Credit Card

7.5% 7.5% cash back on Kohl’s purchases
%35 off on first purchase 35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
$0

jcpenney credit card

5% 1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back
Extra 5% – 35% off Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened
$0

Banana Republic Credit Card

1X – 5X 5 points for every dollar spent at Banana Republic, Gap, Athleta and Old Navy. 1 point per dollar on all other purchases
20% off your first order 20% off your first order at Banana Republic
$0

Nordstrom Rewards Visa

1x – 2x 2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases
$10 – $20 $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons.
$0

How To Maximize Card Benefits?

Here are some tips that will help you to maximize the benefits of Victoria’s Secret Credit Card:

This is an exclusive offer that comes with the Victoria's Secret Credit Card, and it allows you to earn 3X points on bra purchases (which means 15% back on bra).

For example, if you spend $40 on a bra, you will receive 120 points that you can later redeem.

This card has three levels of membership: cardmember which is default without spending, silver cardmember when you spend $300 in a year, and gold cardmember when you spend $750 in a year. Gold and silver cardholders are entitled to additional benefits.

For example: With Gold card membership you will eligible for free shipping on order only above $25.

If you are a Silver or Gold Cardmember, you will receive 15% off with Silver and 20% off with Gold Card membership on shopping at Victoria’s Secret and PINK once a year.

How To Apply?

It's easy and quick to apply for the Victoria’s Secret Credit Card:

Step 1: You can apply for the card through the Victoria’s Secret Credit Card website. Make sure you have all your personal information available and make sure you have photocopies or pictures of your identification documents.

Step 2: Once you click on the apply now, you will be directed to the page of the application where you will enter your personal information. This includes your name, date of birth, address, telephone number and your annual income. You will need to enter your social security number so that the company can check your credit score.

Victoria Secret card application details.jpg
(screenshot from victoriassecret.com)

Step 3: in this page you will have the option to  add additional users, if you would like to do that so you need to add their details as well:

Step 4: The last step is to review the terms and condition and submit the application.

FAQs

Yes, you can use your Victoria's Secret Credit Card to make purchases outside of Victoria's Secret stores, but you won't earn rewards points on those purchases.

Typically, you'll receive an instant decision on your application, but it may take up to 10 days to receive a final decision.

You can redeem your rewards points for on bras, panties, and other merchandise at Victoria's Secret and PINK stores or the stores or online.

Compare Victoria Secret Credit Card

The AE wins if you use your credit card only on American Eagle or Victoria's Secret. But what if you plan to use it outside these brands?

American Eagle vs Victoria Secret Credit Card: Side By Side Comparison

Victoria's Secret credit card is our winner as it offers points rewards on all categories and higher estimated cash back than Lane Bryant.

Lane Bryant vs Victoria Secret Credit Card: How They Compare?

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
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Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

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