If you’re a frequent shopper at Victoria’s Secret or PINK, the Victoria’s Secret Credit Card (often called the Angel Card) may be your ticket to exclusive rewards, special offers, and member-only perks.
Whether you’re buying lingerie, beauty products, or loungewear, this store credit card can enhance your shopping experience — but is it the right choice for you?
In this Victoria’s Secret Credit Card review, we’ll explore the features, benefits, drawbacks, and how to apply in 2025.
What is the Victoria Secret Credit Card?
The Victoria’s Secret Credit Card is issued by Comenity Bank and is designed for loyal Victoria’s Secret and PINK customers. It’s a store-only credit card, which means it can only be used at Victoria’s Secret, PINK, and Bath & Body Works (for select cardholders).
The card offers a tiered rewards program, exclusive sales, birthday gifts, and early access to new collections. Plus, there’s no annual fee, which makes it easy to keep long-term if you’re a regular shopper.
Key Features and Benefits
- Three Card Tiers:
- VS Credit Card (entry level)
- VS Pink Card (mid-tier)
- VS Gold Card (top tier, after spending $500+ annually)
- 5% Back in Rewards: Earn 1 point per $1 spent — get a $10 reward for every 250 points.
- Birthday Reward: Up to $15 birthday bonus, depending on your tier.
- Free Shipping Offers: Exclusive free shipping promotions throughout the year.
- Early Access: Get early access to sales and new arrivals.
- No Annual Fee: Keep the card active without paying a yearly fee.
Pros of the Victoria’s Secret Credit Card
- Rewarding for Frequent Shoppers: If you regularly shop at Victoria’s Secret or PINK, the points and perks add up quickly.
- Exclusive Offers: Enjoy VIP sales, surprise discounts, and double points events.
- No Annual Fee: Great for keeping open to build credit history.
- Boosts Credit: Reports to major credit bureaus, which helps you build or maintain your credit score.
Cons of the Victoria’s Secret Credit Card
- Store-Only Use: You can only use this card at Victoria’s Secret and affiliated stores.
- High APR: With interest rates over 29% (variable), carrying a balance can be expensive.
- No Welcome Bonus: Unlike many other retail cards, there’s no upfront bonus offer.
How to Apply for a Victoria’s Secret Credit Card
You can apply online at the Victoria’s Secret website or in-store. The application is quick, and you may receive an instant decision. You’ll need to provide basic personal information and your Social Security number.
Pro tip: Use the card responsibly by paying off your balance in full each month to avoid high interest and improve your credit profile.
Final Thoughts: Is It Worth It?
The Victoria’s Secret Credit Card is ideal for loyal VS and PINK customers who want to maximise their shopping experience through rewards and exclusive deals.
It’s not a general-use card, but for fashion and beauty fans who shop frequently, it can be a valuable addition to your wallet — just avoid carrying a balance due to the high APR.
