Full Review

Points equal 4% “cash” back. You will generally earn 1 point for every $1 you charge to the Victoria’s Secret Credit Card, which is pretty much the market average for a rewards card. But while most credit card points are worth about a penny apiece, the Victoria’s Secret Card gives you quadruple the value. Every 250 points that you earn gets you a $10 credit. That’s obviously not true cash back, but it might as well be if you regularly shop at Victoria’s Secret.

Fees aren’t a concern, but interest is. The Victoria’s Secret Card does not charge an annual fee, so you won’t feel any pressure to get your money’s worth. You should, however, make sure to pay your bill every month. Because Victoria is hiding a Secret in her card terms, and it’s a lofty APR. For context, the average credit card for fair credit charges 22.84%.

At least someone will give you a birthday gift. You will receive a $10 credit each year on your birthday. That’s certainly a nice gesture. You just need to make sure this modest gift doesn’t lead you to spend more at Victoria’s Secret than you would otherwise.

Not a bad way to build credit. You only need “fair” credit to qualify for the Victoria’s Secret Credit Card, which means it could help you establish credit history or perhaps continue rebuilding from previous mistakes. If you don’t know your credit score, you can check it for free on WalletHub.

Solid reviews. It’s always good to see what fellow consumers have to say about a product, so make sure to read some of the following Victoria’s Secret Credit Card reviews before submitting an application. For what it’s worth, the card has an average rating of 3.9/5 by WalletHub users.


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Victoria's Secret Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

How to Apply For Victoria's Secret Credit Card
You can apply for the Victoria Credit Card at www.TheVictoriaCreditCard.com and complete an application form online or at any Victoria's Secret or PINK store. The Victoria Credit Card can be used at VictoriasSecret.com and at all Victoria's Secret & PINK stores. You'll be r

Victoria's Secret Credit Card
The Victoria’s Secret Angel Card provides some strong benefits and high rewards for Victoria’s Secret shoppers who spend a significant amount of money on their lingerie. Just watch out for its high APR; you won’t want to carry a balance on the card, or it may become more of a curse than a blessing.
Victoria's Secret Credit Card

How to Get the Most Out of Victoria's Secret Credit Card
Use it for all your Victoria’s Secret shopping: You’ll earn 3X points on bras and 1X point on all other purchases from Victoria’s Secret, which will provide a nice return on your spending to help offset those high prices.Choose your triple point days: Each year you can choose one to three trip

The Rewards of Victoria's Secret Credit Card
RewardsAt the first two membership tiers — Angel and Angel VIP — the Victoria’s Secret Angel Card provides a 12% cash back equivalent for bra purchases at Victoria’s Secret, with a 4% cash back equivalent for other purchases. Points are worth 4 cents each at these tiers.At the highest member

Victoria's Secret Credit Card Payment
OnlineIf you pay online before 8 p.m. EST, you’ll be credited for paying on that same day; after 8 p.m. EST, you’ll be credited for paying the next day. The transaction may take up to two business days to complete, but you’ll be credited for paying according to the rules just described.This me