Victoria Secret Credit Card, How it Works, Benefits and Rewards

  – Victoria Secret Credit Card – 

The Victoria Secret Angel Credit Card is a store-branded card that provides several benefits to cardholders who use the angel credit card to purchase online at Victoria’s Secret.

Here’s everything you need to know about your options for making Victoria’s Secret credit card payments.

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What You Should Know About Victoria’s Secret Credit Card

Victoria’s Secret, owned by L Brands, is a famous online and in-store retailer for customers who want to purchase specialty fashion, lingerie, and other beauty products.

Victoria’s Secret Angel Credit Card is a brand-named card that has been designed by stores that offers many benefits to cardholders when they make use of this angel card when shopping online with Victoria’s Secret.

Additionally, cardholders can enjoy free shipping with the purchase made online.

If you’re looking to go with the shop’s advice as well as “become an angel,” Victoria Secret credit card -or Angel card is a popular option.

The card provides ease of paying purchases. It also comes with perks like rewards, birthday surprise gifts, and sales-related events that are special.

Victoria’s Secret has been around since 1977 and has become an iconic name.

The store provides a broad range of lingerie, swimwear, and loungewear, as well as sportswear, accessories, fragrances, and other items.

Famous for its lingerie, Victoria’s Secret is a favorite among women who enjoy pampering themselves with feminine items.

If you’re Victoria’s Secret shopper, you are eligible for rewards and other benefits by registering for and utilizing Victoria Secret credit card that is issued through Comenity Bank.

Naturally, after you’ve got the card, it is important to pay in time in order to avoid late fees.

Why the Credit Card Would Be Right for You

It will be right for you if you’re planning to pay off the balance each month in full

The Victoria’s Secret Angel Card, though it’s an amazing piece of a product in the store, is competing against general-purpose rewards cards that earn cash or points whenever they’re employed.

The fact is Victoria’s Secret Angel Card is intended for those who shop at the store at least regularly.

Also, the more often they perform the more they save and the bonus they’ll earn. All other people should think about alternative options for their needs with regard to credit.

Highlights of the Card

A few of the most prominent highlights of the card include

1. Zero annual fees
2. 25 reward points for signing up bonus
3. One reward point per $1 spent
4. Free shipping
5. APR of 99% for purchases and cash advances
6. Birthday gift exclusive to the cardholder

Victoria Secret Credit Card Pros

1. New cardholders get $15 off their first purchase using the credit card
2. The Little Book of Exclusive Perks offered to new cardmembers with discounts and savings
3. Free birthday present
4. Reward points for shopping in Victoria’s Secret stores and online at victoriassecret.com
5. Free shipping standard on all purchases
6. Access to exclusive events via Insider
7. Triple points days provide more points and rewards for cardholders
8. Cardmembers with Tiered status to earn rewards quickly
9. There is no annual fee

Victoria Secret Credit Card Cons

1. No balance transfer options. the standard APR is very high.
2. Points earned in any level expire 12 months after they have been earned
3. The card is not able to be used to make purchases other than Victoria’s Secret brands, including Bath & Body Works

Top Perks of Victoria Secret Angel Credit Card

This card is an ideal fit for regular Victoria’s Secret shoppers who want to save some cash on their purchases of lingerie and do not plan on carrying the balance.

In the context of only a two-retailer and one-company product, the Victoria’s Secret Angel Card packs some punch. These are the major benefits.

1. No Annual Fee

This card does not charge an annual fee, which means that provided you pay your balance off on time each month It shouldn’t cost one cent.

2. Earn up to 3 Points per $1

Regular Victoria’s Secret shoppers can quickly earn points through the Angel Card to buy merchandise.

Credit card points are earned for purchases made at the store with its name, as well as the sister brand PINK and the online shopping site victoriassecret.com. 

The basic cost is one point for every dollar spent, however, you can earn 3 points for every $1 spent on bra purchases.

For every 250 points you earn, you’ll receive an amount of $10. In the lower point, this is the equivalent to cashback of 4 percent which is a high amount.

3. Monthly and Annual Gifts

For cardholders who are active, they receive a “Perk of the Month” and a birthday present. If you attain Gold or Silver status after collecting enough points over the course of a year, you get a half birthday present as well as an anniversary present.

4. Intro Bonus

You can save $15 on the first purchase you make online with the card. When you have opened the card, the discount is sent to your email.

5. Free Shipping

This card gives you free shipping on purchases of $50 or greater. Although free shipping for all orders is ideal this is an acceptable benefit for a card that has no annual cost.

This is only valid for orders that are shipped in the United States.

Suggested Credit Score

The Victoria’s Secret Angel Card is intended for those with good credit scores of at minimum 670. This gives you the highest chance of being accepted for this card.

However, stores credit cards tend to be somewhat more flexible in terms of approvals. If you have fair credit, or an average score of less than 670, you could be able to qualify.

What Could Be Improved?

Although it is true that the Victoria’s Secret Angel Card offers many perks to frequent shoppers, it has some major drawbacks.

1. High APR

It’s not unusual to find store cards with APRs that are high. This isn’t an exception. If you are concerned that you may have a balance that you carry occasionally the credit card APR isn’t the most ideal.

2. Rewards and points expire

Points expire 12 months after purchase. Furthermore, Angel Rewards gift certificates expire 90 days after the day they’re given out.

These are major disadvantages when you consider how many of the top rewards credit cards give you rewards and points that don’t expire.

Victoria Secret Credit Card Benefits

One of the great things regarding this Victoria Secret Angel credit card is the benefits it gives cardholders.

There are many enjoyable perks, including the welcome bonus, as well as the exclusive invites to events for shoppers along with a myriad of methods to earn rewards rapidly.

Here are some of the best advantages you can enjoy as a cardholder.

1. Welcome Bonus

To thank you to sign up the new cardholders receive a discount of 25 percent on the first purchase they make using the credit card.

The card is also accompanied by a “Little Book of Offers” that includes up to $65 of savings.

2. Angel Rewards

Cardmembers earn 1 point per $1 spent at Victoria’s Secret stores and PINK stores across the U.S., as well as online purchases. Additionally, they’ll earn 3 points for every $1 they spend on bras.

3. Triple-Point Days

All cardholders also can benefit from triple-point days. 

Each year, you have the option of choosing up to three days dependent on the tier of your card and earning triple points on every purchase that you make using a Victoria Secret credit card.

Cardholders who are in the Angel Tier can enjoy one triple point day. Angel VIP cardholders enjoy two days of triple points, and they can also enjoy forever Angel tiered cardholders are entitled to three days of triple points.

For triple point redemption on the date you choose, you must contact Victoria’s Secret at 1-844-392-6435 within 90 days following the day the purchase was completed. You’ll have to give the date you’ll earn the triple points.

4. Angel Tiers

Victoria’s Secret Angel credit card users can avail themselves of different levels which provide more advantages and rewards with time. The levels comprise:

• Angel Tier Cards that earn less than 500 points each calendar year
• The Angel VIP Cards that earn 500-999 points each calendar year
• Angel Forever Credit cardholders earning more than 1,000 points in a calendar year

Its Angel And Angel VIP tiers are rewarded with 10 dollars each time 250 points are you earn for every 250 points earned, and Angel Forever cardholders receive 15 dollars in rewards.

All tiers can enjoy days of triple points, however, Angel VIP customers can choose two days in which they can earn triple points. Angel Forever customers pick up to three days.

Each of Angel VIP as well as Angel Forever card members receive access to exclusive events however the only Angel Forever customers get every year a surprise surprise.

The reward tiers are automated once you have earned enough rewards to progress to the next level.

However, you need to ensure that you are earning the same amount of rewards every calendar year to maintain your level and the benefits associated with it.

5. Birthday Gifts

All cardmembers, regardless of the tier, will receive an extra birthday present as an Angel customer who has having a credit card that is active.

The typical birthday present is either a discount or reward certificate to get an amount that is a specific amount off the next purchase.

Cardholders need to enroll with the Victoria’s Secret Angel credit card at least two months prior to the month of their birthday to be eligible to receive the current-year birthday reward.

6. Free Shipping on Orders of $50+

Cardmembers also enjoy free shipping on orders online that exceed $50.

The offer is valid for standard online shipping, and customers are not eligible to use the discount for previous purchases.

Enter the code JUST4ANGELS ACSHIP50 when you checkout to get the shipping discount for free.

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Downsides of the Victoria’s Secret Angel Credit Card

While this Victoria’s Secret Angel card offers many valuable benefits, especially to those who remain committed to their brand drawbacks are also present.

The card is only available only at Victoria’s Secret brands, including PINK stores in the U.S. and Bath & Body Works.

Rewards cannot be earned on Bath & Body Works purchases. However. Also, the welcome bonus of $25 off of your purchase isn’t a lot in comparison to other cash-back reward credit cards.

Cardmembers also enjoy a variable APR. This means that carrying balances each month until the next could cost you money.

It’s pretty common for store or retail credit cards. However, if rewards aren’t enough to reduce interest costs it might be a good idea to choose a card that has a lower rate of APR.

How to Log in to Pay

• Step 1: Go to Comenity Bank Sign In page to get Victoria’s Secret Angel Credit Card.
• Step 2: Enter username.
• The Step 3. Enter the password.
• Step 4: Choose the option to remember me only when you are using personal computers.
• Step 5: Log In to log in.

Forgot Your Victoria’s Secret Angel Credit Card Password or User ID?

• Step 1: Find and click Forgot your User username or password? link. The link is located beneath the menu for Sign In.
• Step 2: Enter your username or credit account number. Also, the number will be on the statement that the bank sends you through Comenity Bank.
• The Step 3: Choose and then enter your social security number.
• Step 4: “Find My Account,” to continue.
• The 5th step is to follow the on-screen steps on the following page to retrieve your password or username that you forgot.

How to Apply for Victoria’s Secret Angel Credit Card?

You could request one of the Angel credit cards directly on the sign-in screen above. Click the pink-colored apply button just beneath the card image.

The online application process is a three-step procedure that takes three steps. Complete the required information, agree to the terms and conditions, go through and submit your application.

• Step 1: Go over these terms and conditions attentively.
• Step 2: Enter personal information such as your complete name as well as your social security number, birth date, and your annual earnings.
• The Step 3: Enter contact details such as billing address, email address, and confirm that it is the same mobile phone number, as well as the alternate phone number in the appropriate fields.
• Step 4: Choose the option to include an approved buyer, and provide the necessary information to the same.
• Step 5 5. Select Continue to move on to the next step.
• The Step 6: Confirm these terms and conditions. This means you electronically sign the form in agreement.
• Step 7. Click the Submit button to submit your request to Comenity Bank for approval.

How to Activate Victoria Secret Angel Credit Card

Call 800-695-9478 to speak with customer service via Comenity Bank. Follow the instructions to activate your credit card.

What Kind of Credit is Required for the Victoria Secret Credit Card?

Candidates must be 18 years old with an official government photo ID, as well as a U.S. Social Security Number, and be a citizen in the United States with a valid postal address.

Comenity Bank verifies personal information and requests a copy of a person’s credit score when deciding to grant credit to an aspiring cardholder.

The amount of credit available on the card will be determined by the credit history of the person applying and financial situation. However, the majority of store credit cards are easier to get than cards for general use.

This is because the Victoria card isn’t expensive to use, getting and using it in a responsible manner can be a great way for those with a weak credit history to establish an excellent credit history.

Terms and Conditions of the Victoria Secret Credit Card

As with most credit cards that are branded by stores The Victoria card comes with a significant amount of interest. As of February 20, 2021, its stated annual percentage rate (APR) is 24.99 percent.

It’s a variable rate that fluctuates in line in line with the prime rate. The interest rate is not charged when a cardholder is able to pay off the balance of their account on the due date every month.

Additionally, the date for payment must be at least 25 days following the end of every billing cycle.

Like most credit cards for stores like the Victoria card, the Victoria card is not subject to an annual cost, however, there are fees for a late or returned payment.

If a customer is late with their payment and is late in paying their bill, they can expect an additional charge that could be as high as 40 dollars.

The cost of a returned payment can be as high as $25. 2 Of course, like with every credit card, late payment may harm the credit score of the cardholder.

Cardholders must read carefully their contract with the cardholder for complete information.

Victoria’s Secret Payment Due Date and Processing Time

The Victoria’s Secret bill payment due date must be at least 25 days following the date of the billing cycle.

Look over your statement to determine your exact due date. Make sure to make sure you pay the minimum amount before then in order to avoid a late charge. To avoid interest fees be sure to pay your full balance by the date of payment.

Pay online before the deadline of 6 p.m. to make sure you don’t get penalized with a charge for late payments. Be aware that it could take up to a few days for the money to be deducted from your banking account.

Making use of one of these simple methods for paying your Victoria’s secret charge will ensure that your account is in good condition so you can shop whenever you are in the mood.

How to Manage Payments With Your Victoria’s Secret Credit Card Login

Here are a few step-by-step instructions you must follow to make sure your payments are handled efficiently.

Register for Victoria Secret Credit Card Online Access

You’ll need to sign up for an account prior to paying your bill on the internet. Follow these steps for desktops tablets, mobile or desktop computers:

1. Go to the Victoria’s Secret Angel Card site.
2. Click on the link that reads “Register for Online Access” beneath”Sign In” in the pink “Sign In” button.
3. Input your Victoria’s Secret card account number and the four digits that make up the number of your Social Security number and your ZIP code.

Create Angel Card Login Details

Once you’ve registered with your Victoria Secret credit card account You’ll need to establish your own username and password in order to sign in to your account.

1. Choose a username with between 8 to 15 characters. make sure you include at least one number.
2. Make sure you choose a password between 8 and 15 characters, that contains a minimum of one number. Your password must not be identical to your username.
3. Input your email address along with your mobile number if you are willing to be contacted via text or phone.
4. To receive paperless bills Choose “Enroll in Paperless.”
5. Click “Continue.”

Make a Victoria’s Secret Payment

Once you’ve established your account the process of making a payment will be simple. The steps are as follows:

1. Log into your account with Victoria’s Secret card login and the password you set up when you created your account.
2. If you have a username that is not working or a password, simply click the “Forgot your username or password?” link on the sign-in screen. You will find instructions for resetting your password.
3. Simply click on “Make a Payment.” If you are using a mobile device you may need to tap on the three bars located in the lower left-hand corner on your screen in order to open the option through an option drop-down menu.
4. Input the sum you would like to pay.
5. Enter the routing number of your bank as well as your account number for checking. You will find these numbers on the lower right of your deposit or check slip.

Online payment will be processed on the next day if they are they are received before 8 p.m. EDT. Payments that are received late than eight p.m. ET will process on the next day.

Late payment charges vary from $27 to $37, based on the number of instances you’ve fallen behind at least once in your past.

You can pay by telephone to make your payment faster however, you’ll be charged a fee which can reach $15.

Ways to Make a Victoria Secret Credit Card Payment

When you pay for your Victoria’s Secret Credit Card bill, you’re presented with a range of choices. Here’s how you can complete your payment with each method:

1. Pay Your Victoria Secret Credit Card Online

To have a fast and easy method of paying your bill, pay via the portal online. Visit Victoria’s Secret Credit Card account center and follow the steps:

1. If you’re not used to online payments, sign up for access to your online account first. Choose “Register” and provide your credit card’s number, ZIP code, and the four digits that make up the Social Security number.
2. If you’ve got access to the internet, you are able to sign in to your login by using an account username, password, and username you chose.
3. Keep your bank account number and routing number of your bank in hand and follow the instructions to pay.

Be aware that it could take between two and three business days for the money to be taken out of the bank account. 

So long as you complete your payment on time, prior to the deadline of 6 p.m. by the date of the due date and you don’t pay late fees.

2. Pay Your Victoria’s Secret Credit Card Via EasyPay

You can also pay for your Victoria’s Secret Credit Card online using the Comenity EasyPay system. It’s identical to the traditional payment method however you don’t need to sign up to gain an account online. Here’s how:

1. Go to Victoria’s Secret account center Instead of logging in or signing up you need to simply click on”Try it Now. The “Try It Now” button at the EasyPay banner is located at the top of the page.
2. Answer some questions to verify your identity.
3. Follow the instructions to make the payment.

EasyPay is a great option when you’re in a rush, however, keep in mind that you’ll not be able to view the details of your account using this method. Instead, it gives you to pay quickly payments.

3. Pay Your Victoria’s Secret Credit Card by Mail

You may also mail order for a money transfer or check to pay. Include the coupon for your payment in the event that you have one or include your account’s account numbers on your check or order. Send your payment to:

Comenity Bank-Victoria’s Secret
P.O. Box 659728
San Antonio, TX 78265

4. Pay Your Victoria Secret Credit Card by Phone

To pay Victoria’s Secret payment over the telephone, dial 800-695-9478 Monday through Saturday 8 a.m. until 9 p.m. (EST). A fee of $9 is charged for making a payment via phone.

5. Pay Your Victoria Secret Credit Card at a Store Location

You are able to make payments in the nearest Victoria’s Secret store location. Make sure you have your account number on hand to make the payment.

How it Compares to Similar Cards

Compared to other brand-specific credit cards The Victoria Secret card compares fairly very well.

It has a lot be due to the huge rewards not just for online purchases and purchases in stores as well as the accessibility to triple points day for members of the card.

In addition to the birthday reward as well as welcome reward and invitations to special shopping events, The Angel credit card offers an excellent choice for those who love the Victoria Secret brand and shop frequently at the shop.

If you don’t intend to spend an enormous amount of money on Victoria’s Secret or PINK stores in the U.S., other credit cards that cashback could offer better rewards and flexibility with shopping.

Alternatives to Consider

If you’re looking for a card that is more versatile and offers high cashback rates: Discover it(r) Cash Back. 

Cash Back card from Discover it(r) offers the possibility of earning up to 5 percent cashback within the form of quarterly bonus categories that you can activate up to $1500 in annual spending, and also 1% back on all other purchases.

Additionally, Discover will automatically match the cash back you’ve earned by the beginning of your first year as a new cardholder.

Earn 2 percent cash back on every purchase: The Citi Double Cash Card – 18 Month BT promotion.

The credit card with no annual fee is one of the most competitive cashback programs that is flat-rate as well as 18 months at 0% charge on balance transfers, which can aid in repaying your debts faster.

Frequently Asked Questions

1. Where Can Someone Get the Victoria’s Secret Credit Card?

You can apply for the Victoria’s Secret Credit Card at www.TheVictoriaCreditCard.com and complete an application form online or apply in person at any Victoria’s Secret or PINK store.

You’ll need to establish or log in to your VictoriasSecret.com account to start the application process for Victoria’s Secret credit card program.

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

Cardmembers are able to use the Victoria’s Secret Angel Credit Card in-store or through the web at every U.S. Victoria’s Secret location which includes PINK stores.

The credit card can be used for purchases in stores from Bath & Body Works, however, not on the internet.

It’s important to remember that purchases made with credit cards made at Bath & Body Works do not qualify for rewards, nor can reward points be used at the shop.

3. Where is My Victoria Secret Credit Card Login?

Visit vsangelcard.com to sign up as a new member, request a new Victoria Secret credit card, and monitor your existing account on the internet.

It is here that you sign in to check your reward status, tier status, and pay when needed.

4. How Do I Contact Victoria Secret Credit Card Customer Service?

The VS Angel Card is offered through Comenity Bank.

If you require help on your card or have any questions for Victoria’s Secret about your Angel credit card contact customer service.

You can reach customer service via phone at 1-800-695-9478, or send an encrypted message via the online assistance system.

5. Where Can the Victoria’s Secret Credit Card Be Used?

The Victoria’s Secret Credit Card can be utilized on VictoriasSecret.com and in every Victoria’s Secret, PINK, and Bath & Body Works store.

6. How Can I Pay My Victoria’s Secret Credit Card?

You can pay your Victoria’s Secret Credit Card in stores or online at www.TheVictoriaCreditCard.com or www.ThePINKCreditCard.com.

You are able to make payments via phone by dialing (800) 695-9478, or TDD/TTY (800) 695-1788 from Monday to Saturday, from 8:00 am until 9:00 midnight at 9:00 pm EST.

7. How Can I Find Out How Many Total Points I’ve Earned?

You can view the points needed for your next reward online at www.TheVictoriaCreditCard.com  or www.ThePINKCreditCard.com.

To know the number of points you’ve earned in your account, contact (800) 695-9478. You can also call TDD/TTY at (800) 695-1788 from Monday to Saturday, 8 am to 9:00 at 9:00 pm (EST).

8. What is the Reason to Require a Verification Code?

If we are unable to recognize the device you’re using, then we must verify your identity before you’re able to log in to your account. Sometimes, we can’t identify your device because of:

• It’s the first time that you’ve logged into your account.
• You’re using a brand new machine or one you’ve not previously
• You have switched to a brand new web browser (for example, changing to Internet Explorer to Chrome)
• Also, you have changed your Internet browser settings or you are using an encrypted mode for browsing
• You’ve deleted your cookies or removed your cache
• You have changed your device’s settings the operating system it runs on, or the software settings
• The internet provider you use has modified its system settings
• Your IP address could have changed
• We only remember up to 10 combinations of device and location

9. Why Can’t My Username or Password Function?

To log in, you need to create an account online and sign in to Account Center. Did you forget your username or password or locked out?

Follow the links below to find your username and change the password. You may also pay a bill without having to sign in with the service of Comenity’s EasyPay. 

If you need assistance contact customer Care toll-free: 1-800-695-9478 the TDD/TTY number is 800-695-1788.

10. I am Locked out of My Account? What Should I Do?

If you’ve had several unsuccessful attempts to login into your account we’ll temporarily block your online account access to ensure your safety. 

We will then send an email with instructions to your email address in the database for your account.

If you’ve been locked out due to forgetting your password or username If you are locked out, go to Forgot Password or Username and reset your password to allow you to log in. 

You can also pay your bill without signing in to the payment option offered by Comenity’s EasyPay.

11. How Do I Choose “Remember Me” When I Log in?

Your convenience is paramount to us. By checking”Remember Me” in the “Remember Me” box means that we will automatically input your username each time you visit us.

To safeguard your account’s security, we’ll require you to input your password every when you sign in. To protect yourself we recommend that you check on the “Remember Me” box only from your personal, and not from public devices.

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Why Victoria’s Secret Credit Card Right for You

A credit card from Victoria’s Secret Angel can be an excellent option for those who are spending more than they spend in the year on the brand.

The different tiers of rewards favor the highest spenders the most, however, all cardholders earn rewards for using the credit card.

However, the variable APR and the limited use of the card beyond Victoria’s Secret make it less appealing for people who aren’t supporters of Victoria’s Secret.

If this was helpful at giving you a better victoria’s secret in-store purchase, do well to share and inform others. Also, don’t forget to drop your comments.

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