Victoria's Secret Angel Card Review: Benefits, Credit Requirements & Features
If Victoria’s Secret store is among your frequent places to shop, the Victoria’s Secret credit card is worth consideration. Here’s why.
Victoria’s Secret designates cardholders as “angels,” and you earn the title without walking the runway or posing in store ads. Cardholders have the opportunity to earn points on every Victoria’s Secret purchase. Points are then redeemable for angel rewards, such as a $10 certificate when you earn 250 points ($1spent = 1 point earned) as an angel card holder. These rewards then come as certificates in the mail to cardholders within 3 to 6 weeks.
There are three versions, or tiers, to the Victoria’s Secret card. Everyone begins as an Angel Card holder. The more you spend, the more points you accumulate to be upgraded to the next tiers – Angel VIP and Angel Forever.
The Benefits of Victoria’s Secret Credit Card
Each card tier comes with more benefits, although they don’t appear to be much different in comparison for an occasional shopper. For instance, the difference between the first two levels and the Angel Forever status is $5 extra in rewards. You do however get an extra $5 on your birthday as well. Most of the other incentives to move up in tier status are spending related, such as free shipping periodically throughout the year or choosing your triple points days.
You can enjoy all the same benefits, regardless of whether you receive a PINK Angel Card from a Pink Store or a Victoria's Secret Angel Card from Victoria’s Secret. It’s up to you which one you want to apply for, as it really comes down to a name and appearance.
Credit Score Requirements
If your FICO credit score is far from good, as in fair or lower, there is still a possibility of being approved (Also Read: What is Good Credit Score Range) . Some cardholders report being approved with a Fair (600-659) FICO score or below. There are many factors that go into approval, including income, payment history, and debt.
If you’re looking for a card to build credit, the Victoria’s Secret card could help, since you don’t need excellent credit to qualify. But again, this could only be helpful if you intend to pay the balance off each month to avoid late fees, which are up to $37.
How to Apply for a Victoria’s Secret Credit Card
To apply, you’ll first have to decide if you want to apply for the Pink Angel Card or the Victoria’s Secret Angel Card. You’ll then have to complete a credit card application, either in store or online.
There is the possibility of being approved instantly, no matter if you apply in store or online.
Credit card applicants will receive notice about their Victoria’s Secret credit card application approval results by mail in 7-10 days, if they’re not approved right away.
All versions of the card can be used at VictoriasSecret.com, in catalog, and at all VS & PINK Stores. Although it can be used at Bath & Body Works, points cannot be earned on those purchases. The card is limited to the Victoria Secret network, so if you’re looking for versatility, this card may not be your match.
The Angel card also has a high interest rate – 25.49%. You can, however, avoid the interest charge if you pay in full on the balance before the due date each month. Cardholders also run the risk of losing points if there is card inactivity for 12 months. There is no annual fee, though.
Angel Credit Card
|Angel Credit Card||Fees|
|Annual Percentage Rate (APR) for Purchases||25.49% . This APR will vary with the market based on the Prime Rate.|
|How to Avoid Paying Interest||Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $1.00 per credit plan.|
|Late Payment Fee||Up to $37.00|
|Returned Payment||Up to $25.00|
Should You Apply?
So, should you add the Victoria’s Secret credit card to your wallet? That depends. Before you apply for a Victoria’s Secret credit card, be sure to clearly know your intentions with the card. If you don’t mind having a credit card that can only be used at the retailer and intend to pay off your balances monthly, then you don’t have anything to lose. The Victoria’s Secret credit card is also great if you need to build your credit score.
There is the advantage of special promotions and exclusive offers – and if you’re a die-hard Victoria’s Secret customer, this could be a huge benefit for you.
On the contrary, if it’s savings you’re after, you may accrue more cash back with a general-rewards credit card that allows you to earn cash back wherever you go. This of course also depends on your credit card eligibility.
If you think you won’t be doing all your shopping at Victoria’s Secret and want spending flexibility, a general-use cash back credit card could be a better choice for you. Here are a few credit card options.
Good Alternatives to Victoria’s Secret’s Credit Card
Citi® Double Cash
The Citi® Double Cash allows you to earn 1% back on all purchases, then another 1% once you pay them off. So, you essentially have the ability to reap even better rewards at Victoria’s Secret and elsewhere should you choose this card. You can use the rewards towards statement credit, gift card, or check. There is also no spending cap, so you can earn as much as you spend.
There is no yearly fee, but unlike the Victoria’s Secret credit card, Citi® Double Cash offers 0% for 18 months on purchases and balance transfers. After that period, the ongoing variable APR of 13.24% - 23.24% goes into effect. So if you need to buy something but can’t pay it off right away, this gives you the opportunity delay payment without penalty.
Discover it® is one of the best cash back credit cards available today – and may just earn you more at Victoria’s Secret than the retailer’s credit card.
Along with receiving 5% cash back on categories that change each quarter, up to the quarterly maximum ($1,500), cardholders can earn unlimited 1% back on those purchases after reaching the maximum, as well as everything else they buy.
Then there is Discover Deals – which is another way you can save money or earn additional rewards with offers from top brands both online and in stores. Currently, Victoria’s Secret has an ongoing 5% cash back bonus deal through the Discover Deal portal. This could easily add up to be more savings than the retailer’s credit card.
How You Can Access Discover Deals
You must visit the Discover Deal site and log in with your Discover username and password, then browse available deals. You’ll see a wide range of offers beyond apparel.
If you are looking to shop Victoria’s Secret, the current 5% cash back offer is only available online, and you must click the “shop now” button and use your Discover it® card within three hours to redeem the deal.
Cash back can be redeemed as statement credit, gift card from participating retailers, or direct purchases on Amazon. It may take 10 weeks to receive.
Chances are you shop at more places than the popular lingerie and sleepwear retailer. Other stores currently offer instant savings in store, such as $10 off of $30 at Kohl’s. There is also an app, so you can always check if there is an offer for a store you unexpectedly stop by without checking for a deal beforehand.
New cardholders are eligible for double rewards for the entire first year. Discover it® will automatically match dollar for dollar on the earned cash back at the end of the year. That means 5% rotating categories are really 10% cash back, and so forth.
This credit card also has no annual fee, as well as offers 0% APR for 12 months. After this period, standard APR kicks in at a variable rate of 11.24% - 23.24%. You do however need excellent credit to qualify, unlike the Victoria’s Secret angel credit card.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is another great alternative to the Victoria’s Secret credit card, where you can also save at the retailer.
Card members can earn 3 percent cash back on U.S. supermarket purchases totaling up to $6,000 annually, and then 1 percent thereafter. So, essentially you can purchase anything at a qualifying supermarket, such as a Victoria’s Secret gift card, and earn 3% cash back. The only caveat to this is to be sure the grocery store is recognized as such by American Express.
All cash back is rewarded as statement credit.
You can earn 3 percent cash back at U.S. gas stations and select department stores and 1 percent cash back on everything else you buy. The card is also very straightforward, as there is no rotating reward category to keep track of and opt in for, which is comparable to the Victoria’s Secret card.
The Blue Cash Preferred® Card from American Express also offers 0% intro APR on purchases and balance transfers for the first year. After that, your APR will be a variable rate presently 13.24% to 23.24%, depending on your credit.