Victoria’s Secret Credit Card: A Complete Guide of Benefits, Risks, and  Policies

Being one of the largest retailers of modern intimates, lingerie, and other clothes for women, Victoria’s Secret offers some special benefits to its customers, and its store credit card is one of them. It comes with several benefits for the users. 

Victoria’s Secret credit card comes with an initial $25 welcome bonus, no annual fees, high rewards for shopping, free shipping for online purchases, a special offer for purchasing bras, and a regular 29.99% variable. The card can be used in both Victoria’s Secret and PINK. 

The credit card makes its users invest more in shopping by offering a number of benefits and rewards. Let’s see why the card is so popular among its users. Its pros and cons, how you can get it, and how to use it, a complete guide for you. 

Victoria’s secret credit card: An Overview

Victoria’s Secret credit card is a store-only credit card. You can only use it at Victoria’s Secret and PINK stores. This means if you want to use your card for booking a restaurant or pay your bill using the card, that is not possible. 

The card comes in black and pink colors. What’s the difference between the two? Technically, there is no difference between the two cards. It is just your personal preference for which color you want to use. There is one difference, though. The black one bears the VS logo, while the pink one bears the logo of PINK.

Victoria’s Secret, the largest fashion-inspired intimates, was founded in 1977 in San Francisco, California. The brand has been one of the top choices for women since then. It has gained a good reputation and has a large group of loyal customers. 

The brand introduced its own store-only credit card to make shopping easier and more convenient for its users. You can get regular rewards and cashback from almost every time you spend money using the card. 

No matter what product you purchase, you will get a reward. However, the brand has special offers for buying bras. You will see the reward structure in the later portion of the article. Additionally, the card offers an APR rate of 29.99%, which is higher than the average APR nationwide for credit cards.

Different Victoria’s Secret Cards

As mentioned already, there are some variations in the credit cards provided by Victoria’s Secret. Let’s see which one you should take if you are planning to get one:

1. The Victoria Credit Card

This is a black credit card containing the VS logo on it. You can use it for shopping from Victoria’s Secret and its sister brand, PINK. You can use the card to pay both in-store and online. You will receive rewards and bonuses for both types of use.

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2. The Pink Credit Card

I think you can guess it from the name. Yes, this card is pink in color. It has a block-lettered PINK logo on it. You can use it in both Victoria’s Secret and PINK stores. You will get rewards, points, and bonuses for using the card to pay your bill in-store and online. Other than the color and appearance, there is no such difference between the two. 

3. The Victoria Mastercard Credit Card 

Unlike the Victoria credit card, you can use this card anywhere MasterCard is used. It is a black card and contains the MasterCard logo on it. You know, having different cards for different favorite brands is sometimes messy and hard to manage. You can get rid of that problem by opting for this card.

4. The Pink Mastercard Credit Card

It is a pink card with a MasterCard logo on it. It can be used in both Victoria’s Secret and PINK stores. Additionally, you can also use the card anywhere MasterCard is accepted. It makes shopping easier and more comfortable for you. You do not have to bear a separate card for buying bras and other intimate clothes only. 

Benefits of Using Victoria’s Secret Credit Card

Here is the thing. Despite being a store-only, there are a good number of people who are using the card. Why? Because of all the benefits, the brand has to offer. Let’s have a look at the benefits the card provides to its users:

• The use of the card is not limited to Victoria’s Secret stores only. You can use it in PINK and Bath & Body Works also. 
• You get to earn 10 points for spending $1 in purchasing Victoria’s Secret products.
• The card has three different categories of reward- basic, silver, and gold. There is no limitation on rewards. The more you spend, the more rewards you can get. 
• You get gifts on your personal special events, including birthday gifts, rewards on your anniversary, etc.
• You have to pay no annual fees, which is a rare benefit for credit card users.
• Victoria’s Secret credit card offers a welcome bonus of $25
• Up to 5% to 22% cashback is provided to users.
• If you registered using your personal email address, you will receive updates about special offers in your inbox. You will receive it every month!
• You can get free shipping when purchasing online for spending a minimum of $25
• 20% discount on shopping for your credit card anniversary

You can see the point. The card has so many bonuses and rewards for its users. This is the reason it has become so popular among the regular shoppers of the brand. The benefits are not limited to these few only. You can get more advantages for being a regular shopper and a Gold card user. 

Types of Rewards of Victoria’s Secret Card

There are multiple variations in the card membership of the brand. The card membership upgrade depends on the money you spend in a program year. There are three types of cardmembers- basic, silver, and gold. Let’s see the different facilities:

Facilities	Basic Credit Card	Silver Cardmember	Gold Cardmember
Minimum Yearly Spend	No minimum amount is required	Minimum $300	$700 minimum spend
Bra purchase points	30 points for $1	30 points for $1	45 points for $1
Bra purchase cashback	15%back in store rewards	15% back in store rewards	22% back in store rewards
Other purchase points	10 points per $1	10 points per $1	15 points per $1
Other purchase cashback	5% back in store rewards	5% back in store rewards	22% back in store rewards

You will receive 5% cashback for using the card in-store. And you will get it every time you use the card. There is no minimum spending required for the card. However, you need to spend a minimum of $300 and $700 to get silver and gold card membership, respectively. 

Here is a fact. The average price of a bra on the website of Victoria’s Secret is $50. You can get up to 22% cashback if you are a gold card member. You can calculate here how much you can save if you buy one bra in a month. This opportunity to save money is what makes the customers interested in using the card. 

Victoria’s Secret Credit Card Rewards System Explained

You can earn rewards and bonuses and then redeem them very easily on the Victoria’s Secret credit card. If you are a new user of the card or are going to get your card soon, let’s guide you on how you can earn rewards and how to redeem them.

1. Earning Rewards on the Card

• 30 points per dollar spent on buying bras for regular users. 45 points for gold cardmembers
• 10 points for each dollar spent at Victoria’s Secret and PINK Stores. Gold card members can get 10 points, too.

2. Redeeming Your Rewards

So you can get rewards and points for every purchase. For every dollar spent, you get points. But how much is the point worth? Well, every 2,000 points is equivalent to $10! So, if you do some calculations here, you get 0.5 cents for every point. 

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You should not be upset about the points being so inexpensive. No, there is more to it. Remember, you are also getting 15% cashback while buying your goods using the card. 

3. Rewards Potential

Let’s do some more interesting math. Our goal is to find out how much you are going to save in a year using the card. Well, this mostly depends on how often you visit Victoria’s Secret and how much you spend. 

Let’s say you visit Victoria’s Secret or PINK stores once every 3 months. You spend $100 each time you visit there. Half the money is spent on bras. At this rate, you will end up spending $400 in a calendar year. So you will belong to the silver card member list. 

With this much spending, you will get $10 cashback for regular shopping and $30 for bra shopping. Adding up, you get $40 cashback! And that is not all, though. Remember, there are points to redeem.

Spending $200 on regular shopping will earn you 2000 points. On the other hand, you will receive another 6000 points for shopping for bras and spending $200 on them. You can get $40 by redeeming your points! And that is not all yet! You will receive a $10 bonus as a birthday gift too.

So, adding up all the bonuses and points, you can get up to $90 in a year by spending $400! Now that’s a very good saving amount, almost 25%. And if you are a gold card member, the number can rise even higher. Also, there are often sales and anniversary bonuses that can add more savings. You should have a store credit card if you are a regular shopper of the brand.

Victoria’s Secret Credit Card vs Amazon Rewards Visa Signature Card vs Citi® Double Cash Card

We have already talked about enough benefits of the Victoria’s Secret credit card. You must have already got enough idea how much more convenient your shopping will be with this card. However, let’s now compare the card with a couple of other popular shopping cards. Let’s see which one has more to offer:

Card Name	Victoria’s Secret Credit Card	Amazon Rewards Visa Signature Card	Citi® Double Cash Card
Annual Fee	$0	$0	$0
Welcome Bonus	$25	$100	N/A
Cash-Back Rewards	Limited	Yes	Yes
Cash-Back Categories	Limited	Various	All Purchases
Amazon/Whole Foods Cash Back	No	Yes	No
Prime Membership Requirement	No	Yes	No
Prime Member Benefits	N/A	5% back on Amazon/Whole Foods	N/A
Other Rewards	Limited	Rotating Amazon Cash Back	N/A
Redemption Options	Limited	Amazon Purchases, Statement Credit, Gift Cards	Statement Credit, Direct Deposit, Check
Network	N/A	Visa Signature	Mastercard
Foreign Transaction Fee	N/A	None	3%

Victoria’s Secret Credit Card has both advantages and disadvantages in comparison to the other two cards. While all three cards are free of any annual cost, the VS card has a very limited use. You can only use it for shopping in VS and PINK shops. Meanwhile, you can use Amazon Signature Card and Citi Double Cash card for various purposes. 

Terms and Conditions of the VS Card

I believe you are feeling a high interest in getting a VS card yourself. So, let’s give an overall look at the terms and conditions of the VS card in 2023:

• Applicants must be at least 18 years old and U.S. residents with a valid mailing address. You need to possess a valid government-issued photo ID and Social Security number.
• Comenity Bank will review personal information and credit reports to determine your card eligibility.
• The credit limit of your VS credit card is based on your credit history and financial situation. You do not need any prime membership.
• There is no annual fee for the Victoria’s Secret card.
• Late payment fees on your Victoria’s Secret credit card can be up to $41. Late payments may negatively affect the cardholder’s credit score.
• The returned payment fee can go up to $25.
• The VS credit card has a variable APR of 24.99%, subject to changes in the prime interest rate.
• No interest is charged if the balance is paid in full by the due date each month.
• Payment is due at least 25 days following the end of each billing cycle.

Victoria Secret Credit Card Login

You can not only use your VS credit card for in-store purchases but also during online shopping. You can check your balance and other features online by signing in to your account. It is a simple process. 

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• Go to the Victoria’s Secret website.
• Click on the “Sign In” button at the top of the page.
• Enter your Username and Password.
• Access your account dashboard.
• View your balance, make payments, and perform other account-related actions.

If you are not registered, you can complete it online.

How to Register for Victoria’s Secret Credit Card Online?

• Visit the Victoria’s Secret Credit Card website.
• Click on the “Register Now” button.
• Provide requested details: Enter your Victoria’s Secret Credit Card Account Number, followed by Zip Code and the last 4 digits of your SSN.
• Click “Find My Account.”

Your steps to register your account online are completed. Now you have to wait till the Comenity Bank verifies your identity. Once they have confirmed your identification, your VS credit card will be registered. You will receive a notification message about it. 

Forgot Password

It is not uncommon to forget your passwords. These days, we have so many accounts and so many passwords to remember. If you ever forget your VS credit card password, don’t panic. You can easily reset the password and use it again. Here is how to do it:

• Visit the Victoria’s Secret Credit Card website.
• Click on the “Sign In” button.
• Under the sign-in section, select “Forgot Password.”
• Provide your Username, Zip Code, and last 4 digits of SSN on the prompted page.
• Click “Find My Account.”
• Follow the instructions to reset your password.
• Use the new password to log in to your account.

Forgot User ID

Although forgetting user ID is not as common as forgetting passwords, it is not too impossible to occur. VS knows this, and that is why they have an option to help you regarding this. Just follow these simple steps to regain your user ID.

• Click on “Forgot Username.”
• Provide your Account Number, Zip Code, and last 4 digits of SSN on the prompted page.
• Click “Find My Account.”
• Retrieve and make a note of your User ID displayed.

How To Pay Victoria’s Secret Credit Card Bill?

Along with all the benefits, there is a major concern. You should always pay your card bill on time. If not, you will be fined, and the amount can mount up to $41. You can pay your VS credit card bill by phone, online, by mail, and also using the mobile app and going to the Comenity bank. 

1. Pay Your Bill Online

Paying your credit card bill online for VS cards is simple. Follow the instructions to pay your bill from anywhere on time online at victoriassecret.com

• Use your username and password to log in to your account.
• Navigate to the Payments section to select “Make and Manage Payments.”
• Provide your bank account number and routing number.
• Enter payment details and click “Confirm Payment.”

2. Pay Bill By Mail

Paying your bill via email is another convenient option. It might take a longer time to make the payment, but sometimes you will find it more convenient under certain circumstances. Here is how to pay your VS credit card bill by mail:

• Prepare your documents: Gather your latest credit card statement, a check, or money order for your payment.
• Write the payment: Make the check or money order payable to “Comenity Bank” for the desired payment amount.
• Include account number: Write your account number and “For Credit Card Payment” on the back for proper credit allocation.
• Mail your payment: Send it to Comenity Bank at PO Box 182273, Columbus, OH 43218-2273.
• Allow processing time: Your payment will be processed within days. Once the payment has been accepted and adjusted to your account, you will get a confirmation message.

3. Via The Mobile App

Victoria’s Secret is always concerned about the comfort of its customers. They aim to make your life as easy as possible. Hence, they have also linked their services to a mobile app that you can use with several features, including paying your credit card bill. Follow the below-mentioned instructions for that:

• You need to use the Comenity Bank mobile app available for iPhone and Android.
• Download the app first for free from the app store.
• Log in using your Victoria’s Secret Credit Card account credentials.
• Access your account, view your balance, and make payments.
• Enjoy the ease of managing your account while on the move.
• If you need to make a payment, open the app and handle it easily.

4. Pay Bill By Phone

You are out of town, and there is no internet connection? But you have to pay your Victoria’s Secret credit card bill. What to do? No worries. You can pay the bill without an internet connection, too. Use your phone to do so:

• Call 1-800-695-9478, the customer service number for Victoria’s Secret credit cardholders.
• Enter your account number and Social Security number as prompted.
• Follow the automated prompts and input your credit card number, expiration date, and payment amount.
• Confirm the payment and wait for confirmation from the customer service representative.
• Hang up once the payment is completed.

How to Avoid Late Fees?

By now, you have been a little scared about the late fees. Being late in paying credit card bills is a common part of our lives, especially for those who have a forgetful mind. Since the late fee can be $30-$40, you should be mindful of it. 

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More adversely, the fees for VS credit cards can mount up quickly. The late fees can make a dent in your monthly budget. Here are a few simple yet effective tips to avoid these late fees problems:

• You can set up automatic payments. It is the most useful method to avoid late fees. Sign in to your account and set a date and amount for paying the bill. You will be notified before the bill is paid. This way, you will never be late to pay your dues. 
• Set a reminder on your phone. Since you can pay the bill over the Internet, via mail, and phone call, it will not be a problem if you are out of town or city.
• You can take services like Mint and Credit Karma. These services let you track your bills in one place. It will help you stay updated about the bills and the due dates.
• If you are in a situation where you are in no shape to pay the bill, call the credit card issuer. It is the best option you have. Call them and discuss your problem and share why you cannot pay the bill at the moment. In most cases, they will understand your problem and help you avoid late fees. 
• Be more calculative. You should keep an eye on your credit card limit. Also, make a budget regarding how much you shall spend from the card based on how much you can afford. Make sure you are always keeping your balance below your credit limit. 

Setbacks of Victoria’s Secret Credit Card?

Along with all the benefits, there are some setbacks with VS credit cards. Though the brand is dedicated to making shopping for its users as convenient as possible, some of its policies and conditions are not in favor of the customers. Here are the drawbacks of the credit card:

1. Very Limited Use

When you register for the card, the first thing that might make you a little confused is the limited use of the card. You can only use it in PINK and Victoria’s Secret stores. In other words, you can only use it for buying special types of clothes. You will need another card for shopping for other sorts of products, even clothes. 

2. An Unattractive Welcome Bonus

The welcome bonus is a good way to welcome a customer on board. Many brands offer a handsome and attractive bonus for their new users. Amazon, for example, offers a $100 bonus for new users of the Amazon Rewards Visa Card, while VS only offers $25! They could have made the bonus more attractive by at least doubling the amount. 

3. Losing Points for Inactivity

You can store your points on VS credit cards. However, you have to be a regular shopper. If you do not use the card, which you can only use in Victoria’s Secret and PINK stores, for 12 months, all your stored points will be deducted. The 12-month inactivity limit is much less than other brands. 

4. Rewards Are Not with Every Purchase

Here is a catch. Although you calculate a yearly reward, considering you are getting points with every purchase, that does not happen in reality. In reality, you can only earn and redeem rewards for limited stocks. It would have been more user-friendly if you could get it for every purchase, like the Citi® Double Cash Card.

5. Limited Credit Card Benefits

The Victoria’s Secret Credit Card does offer many of the benefits provided by other credit cards. However, since it is a store-only credit card, this can be justified to an extent. Still, they could think of adding more beneficial features for their customers. 

6. High APR

Victoria’s Secret credit card has an APR of 29%! Which is much higher than the regular credit cards. Any APR over 20% is considered higher, and 29% is surely much higher than you expect. 

How to Cancel A Victoria’s Secret Credit Card?

It is unlikely for you to cancel your VS credit card when you are a regular customer of the brand. However, if you are moving out of the United States or determined not to use the card for some other reason, you can cancel the card in the following way:

1. Pay Your Charges

Before canceling your credit card, you should check for the balance and dues. You have to pay your dues, so the balance is $0. In case you are unable to pay the balance, you will have to ask your family for help. Without paying the charges, you won’t be able to cancel the card. 

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2. Gather Your Information

Once you have cleared your balance, gather the necessary information. You can find the necessary information on your card. Make sure you have ready information to share with your service provider while canceling the card. You will need the following information:

• Personal information such as name, phone number, social security, etc. 
• Information of the bank account associated with your VS credit card
• Your credit card number and relevant information

3. Contact Customer Care

Now, you need to call the Customer Care Team at Victoria’s Secret. You cannot cancel your card over the Internet or through the bank. You must contact the customer support team. Call them at 1-800-695-9478. Tell the operator that you want to cancel your credit card. 

You may have to share the reason for your cancellation with the representative team member. You do not need to worry about the answer. The question is asked for casualty. They need this information to improve their service. The operator might try to convince you to continue using the card. However, you should be persistent about your canceling decision. 

4. Ask About Your Charge

Though there is no fixed amount mentioned in their policies, you might need to pay some cancellation charges sometimes. You can ask the operator about the charge. If there is no charge for cancellation, then you are ready to cancel it. 

5. Destroy Your Card

After canceling your credit card, there is no point carrying it around all the time. It also possesses some potential threats. You had better cut the card into pieces and throw it away. You should also remove the online login information of your card from your browser and password manager tool. 

How to Cancel Deceased Near One’s Victoria Secret Credit Card

When one of our loved ones dies, it is natural to feel at a loss. It becomes too difficult to understand what to do with the accounts of the deceased person. Well, the best practice is to always cancel them. You can cancel the credit card on behalf of the deceased person in the following way:

1. Final All Names on the Account

First, check the credit card carefully to find out what are the names associated with the card. Sometimes, people have joint accounts. If it is a joint account, then you need to consult with the other person if they, too, want to cancel it. If the account is not shared with anyone, you can continue to the steps below. 

2. Notify the Card Issuer

To cancel the account, you will need to go through several steps. But you should contact the card issuer and let them know that the person has passed away. Otherwise, there can be additional interest or fees, even late fees, for not paying the bills. 

Call the Customer support team at 1-800-695-9478 and share with them about the death of your friend or family member. You will need authentic documentation for proof. Make sure you have them with you before calling them. Additionally, you will also have to prove yourself as an authentic loved one. 

3. Account Balance

This one is a little messy. An account balance should be $0 before canceling it. If your loved one’s account is already balanced, then there will be no hassle. But it was the other way around; you will have to take help from the state for repayments under executor rules. Remember that you are not expected to and should not pay for the credit balance out of your own funds for a loved one. 

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4. Redeem Rewards

It is not that you will pay the balance, and Victoria’s Secret won’t share the rewards with you. You should check if there was any reward or bonus for the credit card. If there is, talk with customer support and redeem the rewards. However, you will be able to use the rewards only after the state paid for all the charges of the card. 

5. Cancel Recurring Payments

Many people often make this mistake. If you cancel a credit card but there are some active recurring payments, they will not stop. Therefore, you should check thoroughly if there are any such payments. If yes, then cancel them. You will need the help of the service provider to cancel the payments. 

6. Dispose of the Card

Once the card has been canceled, you need to get rid of it. Do not just throw it away. It possesses some potential financial fraud. Besides, the recently passed away persons are often the target of identity theft. If such con people get hold of the card, there can be some serious scandals. Hence, you should shred or cut the card into pieces and then safely dispose of it. 

Is the Victoria’s Secret Credit Card Worth It?

After all the discussion, now it is time for you to decide. Are you going to get a VS credit card? Since there is no annual fee, and you won’t have to pay any amount to get the card, you can try it. You might like the facilities, who knows?

Besides, if you visit PINK Victoria’s Secret or Body Works on a regular basis, then you can get a credit card. You can save a good amount of money using the card. There are a number of benefits to using the card. 

In case you do not like the service or policies of the card, or you do not feel the necessity of the card, you can always cancel the card. You won’t have to go through any hassle. The customer support team is very helpful. Why should you keep yourself aloof from having an experience?

FAQs

Conclusion

Victoria’s Secret Credit Card makes it simpler, easier, and more convenient to shop from Victoria’s Secret and PINK. You get to enjoy many bonuses, rewards, discounts, and cashback. The more you spend, the more you get. Though there are a few drawbacks, you can avoid them by being careful and enjoying a comfortable shopping experience.