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Benefits & Rewards of the Victoria’s Secret Credit Card

Victoria secret credit card 2021

Victoria’s Secret (VSCO), one of the world’s most well-known lingerie companies that also sells clothes, perfumes, and body care products, has its own branded credit card called the Victoria card.

The Victoria’s Secret credit card, like many co-branded credit cards, offers various perks to customers who frequent the business. Its main rivals are Gap and Lane Bryant cards, with which it shares many characteristics.


  • The Victoria’s Secret credit card is accepted at all Victoria’s Secret shops and websites, as well as sister brands PINK and Bath & Body Works.
  • The Victoria’s Secret card features three categories based on how much a cardholder spends each year, each with its own set of incentives and bonuses.
  • Every dollar spent earns one point for all cardholders.
  • Victoria’s Secret’s card, like other proprietary store cards, is mostly useful for people who frequently buy the brand’s items.

How Does the Victoria’s Secret Credit Card Work?

The Victoria card is issued by Victoria’s Secret in collaboration with Comenity Bank. Comenity, situated in Draper, Utah, offers a revolving line of credit to Victoria’s Secret consumers. Cardholders of Victoria’s Secret get incentives based on the value of their purchases, both online and in-store.

Where Can I Use My Victoria’s Secret Credit Card?

The Victoria card may be used to make purchases online at or in-store at any Victoria’s Secret or PINK location. It is also accepted in Bath & Body Works locations, albeit purchases there do not generate reward points.

Key Note: Closed-loop or single-purpose credit cards, such as Victoria’s Secret credit cards, are formally known as proprietary shop credit cards.

The Victoria’s Secret Credit Card Reward and Benefits

There are three award categories based on the amount of money paid over a rolling 12-month period: basic, silver, and gold. On their Victoria’s Secret credit card, all cardholders get one point for every $1 in net new purchases. When a cardholder accumulates a particular amount of points, he or she is promoted to the next level.

The basic Victoria card is the first tier. All cards get triple points on all bra purchases, free shipping on eligible purchases (over $50), and one triple-point day of their choosing. In addition, cardholders get $10 on their birthday every year the card is valid, as well as a $10 incentive to be used on future purchases.

The Victoria silver card is the second tier. Cardholders acquire this tier by amassing 250 points on their Victoria’s Secret card over a 12-month period. Silver cards earn points at the same rate and level as basic Victoria cardholders and get the same yearly $10 reward and birthday treat, but they also get a half-birthday gift of $10 and a 15% discount on their sign-up anniversary.

The Victoria gold card is the highest tier. To be eligible, the cardholder must accumulate 500 points on their Victoria’s Secret credit card during a 12-month period. A gold cardholder also receives $15 in birthday and half-birthday goodies, as well as a 20% anniversary discount.

Other little bonuses and unique events may occur on a monthly basis. To preserve the tier, a cardholder must spend the same amount each year; otherwise, the card will return to a lower tier.

Where Can I Apply for a Victoria’s Secret Credit Card?

The Victoria’s Secret credit card may be obtained by visiting or Online applications are accepted, as are in-person applications at any Victoria’s Secret or PINK shop. To begin your application, you must first establish or join your account.

What Credit Is Necessary for the Victoria’s Secret Credit Card?

Applicants must be at least 18 years old, have a valid government-issued picture ID and a U.S. Social Security number, and be a US resident with a valid postal address. When deciding whether to offer credit to a prospective cardholder, Comenity Bank validates personal information and receives a copy of the consumer’s credit report.

The credit limit on the card is determined by the applicant’s personal credit history and financial situation. Having said that, retail credit cards seem to be simpler to get than general-purpose cards. Because the Victoria card is free to get and use properly, it may be a useful approach for someone with a minimal credit history to build up a positive record.

Victoria’s Secret Credit Card Terms & Conditions

The Victoria card, like other store-branded credit cards, has a high-interest rate: The advertised annual percentage rate (APR) is 24.99 percent as of February 2021. It is a variable rate that varies with the prime interest rate. If a cardholder pays off their whole debt by the due date each month, and the payment due date is at least 25 days following the closure of each billing cycle, no interest is charged.

The Victoria card, like other shop cards, has no annual cost, but there are fees for late and returned payments. If a cardholder fails to pay their account on time, they may be charged a fine of up to $40. Fees for returned payments may reach $25.3.

Late payments, like any other credit card, may harm the cardholder’s credit score. Cardholders should read their cardholder agreements completely for all information.


  • Annual percentage rate (APR) variable: 24.99 percent
  • Late payment penalty: $40
  • Payment reversal fee: $25
  • 25-day grace period

Cancelling the Victoria’s Secret Credit Card

Because Comenity Bank controls the card, you’ll need to contact them to deactivate your Victoria’s Secret credit card. To deactivate your card, contact Comenity at (800) 695-9478 or TDD/TTY at (800) 695-1788. You can also send them a message using their Secure Message Center.

Customer Service for Victoria’s Secret Credit Cards

Comenity urges clients to use the Account Center to manage their Victoria’s Secret credit card account online. The Account Center is available 24 hours a day, seven days a week, and enables you to monitor your balance, transactions, and statements, as well as make payments to your card. If you haven’t already registered for this service, you may do so here.

You may also contact Customer Service at the above-mentioned phone numbers.

Who Should Think About Getting a Victoria’s Secret Credit Card?

Obtaining a store credit card makes sense for customers who buy at that merchant on a frequent basis. If you have a strong affinity for Victoria’s Secret and/or PINK and are seeking special discounts, applying for a Victoria card might be a wise decision.

Store cards, on the other hand, might be problematic if you’re not confident you’ll be able to make your payments on time. These cards have a high-interest rate, which may rapidly negate any advantages if you do not pay off your debt in full each month.

When and where may I use my Victoria’s Secret credit card?

The Victoria’s Secret credit card is accepted at all Victoria’s Secret, PINK, and Bath & Body Works locations, as well as on

How can I make a payment on my Victoria’s Secret credit card?

Your Victoria’s Secret credit card may be paid in-store or online at or You may also make a payment by phone by dialing (800) 695-9478 or TDD/TTY (800) 695-1788 from 8 a.m. to 9 p.m. Eastern time, Monday through Saturday.

How can I find out how many points I’ve accumulated?

You may find out how many points you need for your next reward by visiting or Call (800) 695-9478 or TDD/TTY (800) 695-1788 Monday through Saturday, 8 a.m. to 9 p.m. Eastern time, to find out how many points you’ve earned on your account.

The Verdict

The Victoria card, like proprietary credit cards, is exclusively accepted by one merchant: Victoria’s Secret (and its corporate sister retailers). While it carries several perks and privileges that make cardholders feel like part of Victoria’s Secret family, its primary benefit is that it accrues points that translate into money for or discounts on future purchases. You usually only have a certain amount of time to utilize these incentives.

Overall, this card is best suited for customers who already spend money at Victoria’s Secret early and often. Those who aren’t huge fans of the brand will find the Victoria card to be of little interest.

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