Victoria's Secret, a subsidiary of L Brands Inc. (LB), has its own branded credit card named the Victoria card. Here is a discussion of the card's benefits, drawbacks, and the type of consumer for whom the credit card is best suited. Its chief competitors are cards from Gap and Lane Bryant.

Where Can the Victoria Card Be Used?

Issued by Comenity Bank, the Victoria’s Secret credit card can be used for purchases online at VictoriasSecret.com or in person at a Victoria's Secret or PINK store. It's also accepted at Bath & Body Works, another chain owned by L Brands, although purchases there don't earn any reward points.

Key Takeaways

  • Victoria Secret's card works at the brand's stores and website, and also at sister companies PINK and Bath & Body Works.
  • Victoria Secret's card has three tiers, depending on how much a cardholder spends each year, which carry different rewards and perks.
  • All cardholders earn one point for every dollar spent.
  • As with most proprietary store cards, Victoria's Secret's card mainly works best for those who regularly purchase the brand's products.

How the Victoria Card Works

Victoria's Secret issues the Victoria card in partnership with Comenity Bank. Comenity Bank, based out of Draper, UT, provides Victoria's Secret shoppers with a revolving line of credit. Victoria’s Secret cardholders earn rewards according to the value of their purchases, both online and in-store.

Proprietary store credit cards like the Victoria are officially known as closed-loop or single-purpose cards.

Rewards and Benefits

There are three different reward tiers: basic, silver, and gold, which reflect the amount of money spent on a rolling 12-month period. All cardholders earn one point for each $1 of net new purchases on their Victoria's Secret credit card. Once a cardholder earns a certain number of points they are upgraded to the next level.

The first tier is the basic Victoria card. All cardholders earn triple points on all bra purchases, free shipping for qualified purchases (above $50), and one triple-point day of their choice. In addition, cardholders get $10 on their birthday each year the card is active and a $10 reward to use on future purchases.

The second tier is the Victoria silver card. Cardholders qualify for this tier by earning 250 points on their Victoria's Secret card in a rolling 12-month period. Silver cardholders accrue points at the same level and rate as a basic Victoria cardholder, and receive the same annual $10 reward and birthday treat, but they accrue additional benefits: a half-birthday treat of $10 and a 15% discount on the anniversary of their sign-up.

The top tier is the Victoria gold card. To qualify, the cardholder must earn 500 points on their Victoria's Secret credit card within a rolling 12-month period. Additional perks of being a gold cardholder include $15 birthday and half-birthday treats and a 20% anniversary discount.

Other little perks and special events may occur each month. To maintain the tier, a cardholder has to keep spending the same amount each year; otherwise, the card reverts to a lower tier.

Where Can Someone Get the Victoria Card?

You can apply for the Victoria 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 create or sign in to your VictoriasSecret.com account to begin your application for the Victoria's Secret credit card program.

What Kind of Credit Is Required for the Victoria Card?

Applicants must be at least 18 years of age, have a valid government-issued photo ID and U.S. Social Security Number, and must be a resident of the United States with a valid mailing address. Comenity Bank verifies personal information and obtains a copy of a consumer's credit report when making its decision to extend credit to a potential cardholder.

The credit limit on the card depends on the applicant's personal credit history and finances. That being said, store credit cards often seem easier to qualify for than general-use cards. Since the Victoria card doesn't cost anything to own, obtaining and using one responsibly can be a way for someone with a limited credit history to build up a good record.

Terms and Conditions of the Victoria Card

Like most store-branded credit cards, the Victoria card charges a hefty amount of interest: as of February 2021, the advertised annual percentage rate (APR) is 24.99%. It's a variable rate, which fluctuates with the prime interest rate. No interest is paid if a cardholder pays off their entire balance by the due date each month, and the payment due date is at least 25 days after the close of each billing cycle.

Again, like most store cards, the Victoria card has no annual fee, but there are charges for late and returned payments. If a cardholder is late paying their bill, they should expect a fee of up to $40. Fees on returned payments can go as high as $25. Of course, as with any credit card, late payments can damage the cardholder's credit score. Cardholders should thoroughly read their cardholder agreements for full details.

  • Variable APR: 24.99%
  • Late Fee: $40
  • Returned Payment Fee: $25
  • Grace Period: 25 days

Who Should Consider the Victoria Card?

Getting a store credit card makes sense for consumers who regularly shop at that retailer. If you have a high degree of brand loyalty to Victoria's Secret or PINK and are looking for special discounts, applying for a Victoria card could be a smart choice.

The Bottom Line

As is the case with proprietary credit cards, the Victoria card only works with one merchant—Victoria's Secret (and its corporate sister retailers). While it carries various little perks and privileges that make cardholders feel like part of the Victoria's Secret family, its primary benefit is that it accrues points that translate into money for or discounts on future purchases.

Often, you have a limited amount of time to use these rewards. So overall, this card is best suited for consumers who already spend money early and often at Victoria's Secret. Those who aren't big fans of the brand will find the Victoria card has a pretty limited wingspan.

Frequently Asked Questions

Where Can the Victoria Card Be Used?

The Victoria's Secret Credit Card can be used at VictoriasSecret.com and at all Victoria's Secret, PINK, and Bath & Body Works stores.

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 can also make a payment by phone by calling (800) 695-9478 or TDD/TTY (800) 695-1788 Monday to Saturday, 8:00 am to 9:00 pm EST.

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 learn the total points you've earned on your account, please call (800) 695-9478 or TDD/TTY (800) 695-1788 Monday to Saturday, 8:00 am to 9:00 pm EST.