Victoria’s Secret (VSCO), a well-known lingerie brand that also sells clothing, fragrances, and body care, has a credit card—the Victoria card. The Victoria’s Secret card has benefits for frequent shoppers, like many co-branded cards. Many of its features are similar to those of Gap and Lane Bryant cards.
- Victoria’s Secret’s credit card works in stores, online, and at PINK and Bath & Body Works.
- Victoria’s Secret’s card has three tiers with different rewards and perks based on annual spending.
- Every dollar spent earns one point.
- As with most store cards, Victoria’s Secret is best for frequent buyers.
The Victoria’s Secret Credit Card’s Method of Operation:
Community Bank, in collaboration with Victoria’s Secret, issued the Victoria card. Comenity, a Draper, Utah-based company, offers a revolving credit line to Victoria’s Secret customers. Victoria’s Secret cardholders get rewards based on how much they spend in-store and online.
Where Can I Use My Victoria’s Secret Card?
You can make purchases with your Victoria card either in person at Victoria’s Secret or PINK store, or you can do so online at VictoriasSecret.com. Additionally, it can be used at Bath & Body Works, despite the fact that purchases made there do not result in the accumulation of reward points.
Rewards and Benefits
Basic, silver, and gold reward tiers reflect annual spending. All Victoria’s Secret credit cardholders earn 1 point for every $1 spent. When a cardholder earns enough points, they’re upgraded.
first-tier Victoria card. All cardholders earn triple points on bra purchases, free shipping on $50+ purchases, and one triple-point day of their choice. Cardholders get $10 on their birthday and $10 in rewards each year the card is active.
The Victoria silver card is second-tier. Cardholders qualify by earning 250 points in a 12-month period. Cardholders earn points at the same rate as basic Victoria cardholders and receive the same annual $10 reward and birthday treat, but also receive a half-birthday treat of $10 and a 15% discount on their sign-up anniversary.
The Victoria gold card is top-tier. To qualify, cardholders must earn 500 points in 12 months. Gold cardholders get $15 birthday and half-birthday treats and a 20% anniversary discount. Monthly perks and events may occur. To keep a card’s tier, the cardholder must spend the same amount each year.
Where can I Apply for a Credit Card to Use at Victoria’s Secret?
Visit www.TheVictoriaCreditCard.com or www.comenity.net/ac/victoriassecret/public/home to submit an application for a Victoria’s Secret credit card. You have the option of filling out an application form either online or in person at any Victoria’s Secret or PINK store location. Before you can start your application, you will need to either create an account on VictoriasSecret.com or sign in to an existing one.
Victoria’s Secret Credit Card Requires a Good Credit
Applicants must be 18 years old, have a valid government-issued photo ID, and be U.S. residents with a valid mailing address. Comenity Bank checks a potential cardholder’s personal information and credit report before extending credit.
The applicant’s credit history and finances determine the credit limit. Store cards are easier to get than general-use cards. Since the Victoria card is free, using it responsibly can help someone with a limited credit history build credit.
Information Regarding the Victoria’s Secret Credit Card’s Terms and Conditions
The Victoria card charges high interest, like most store-branded cards. As of February 2022, the APR is 24.99 percent. It fluctuates with the prime rate. If a cardholder pays off their balance by the due date each month, no interest is charged.
The Victoria card has no annual fee but late and returned payment fees. Late cardholders face a $41 fee. Return fees can reach $25.
Late payments can hurt a cardholder’s credit score. Cardholder agreements should be read in full.
Instructions for Deactivating Your Victoria’s Secret Credit Card
If you want to cancel your Victoria’s Secret credit card, you will need to contact Comenity Bank, which manages the card. To cancel your Comenity card, call (800) 695-9478 or (800) 695-1788 (TDD/TTY). You can also use their Secure Message Center to communicate with them.
Summary!
Victoria’s Secret (VSCO), a well-known lingerie brand that also sells clothing, fragrances, and body care, has a credit card—the Victoria card. Community Bank, in collaboration with Victoria’s Secret, issued the Victoria card. The card works in stores, online, and at PINK and Bath & Body Works. Cardholders earn 1 point for every $1 spent; when a cardholder earns enough points, they’ve upgraded to a higher-tier card. Applicants must be 18 years old, have a valid government-issued photo ID, and be U.S. residents with a valid mailing address.
As of February 20, 2022, the APR is 24.99 percent, fluctuating with the prime rate. The Victoria card charges high interest, like most store-branded cards. Information Regarding the Victoria’s Secret Credit Card’s Terms and Conditions
