The Victoria’s Secret credit card is an alternative. If you frequent their stores, you will be able to acquire it if you have fair or good credit. It has excellent benefits for shoppers who pay their bills on time.
However, it is a closed-loop credit card, which is only accepted at Victoria’s Secret stores. It allows you to purchase online or in physical stores in the country’s different states.
Where can I use my Victoria’s Secret Credit Card?
Victoria’s Secret Credit Cards do not have a Visa or MasterCard label, so you cannot use them outside authorized stores. You can shop with them at Bath and Bodyworks, PINK, and Victoria’s Secret stores.
Both Bath and Bodyworks and PINK are sister stores of the brand, which is why you can use the credit card at both stores. However, discounts and benefits change according to the policies of each branch.
The Victoria’s Secret card is issued in partnership with Comenity Bank. It offers a revolving line of credit for its consumers; the incentives you will get will be according to the value of your purchases, considering both online and in-store purchases.
Rewards and benefits
Victoria’s Secret credit cards have three categories of bonuses; the one that corresponds to you depends on the amount of money you pay on your purchases within 12 months; they are clarified in basic, silver, and gold.
All cardholders get one point for every $1 spent on net new purchases; when you accumulate a certain number of issues, you move up to a new level. The basic Victoria’s Secret credit card is the first one they offer.
On all cards, you have the benefit of acquiring triple points on bra purchases, free shipping on purchases over $50, and a triple points day that you can choose as you like. You also earn $10 on your birthday yearly, as long as the card remains valid.
You earn an additional $10 on your birthday for future purchases to incentivize you. When you reach Victoria’s Secret silver credit card, it will be because you accumulated 250 points on your card within 12 months.
Silver cards have points at the same rate and level as the basic Victoria’s Secret cards; they also have the same $10 reward for your birthday; the half birthday gift changes a bit because, in addition to the extra $10, you also acquire a 15% discount on your sign-up anniversary.
Victoria’s Secret Gold Credit Card
To be eligible, you have to accumulate 500 points on your credit card for 12 months; with this card, you receive $15 in gifts on your birthday and a 20% discount on your anniversary. As long as you are part of Victoria’s Secret users, you can access different bonuses and promotions.
To keep your Gold card, you must spend the same amount of money annually, that is, keep the 500 points. When you do not achieve this, the store will downgrade you.
What is the minimum credit to access this card?
Although they do not indicate a minimum credit score to obtain the card, the credit limit they will give you depends on your personal credit history and financial situation. To acquire Victoria’s Secret credit card, you must be at least 18 years old.
It requires a valid government-issued photo ID and your Social Security number. It is for U.S. residents, and they will validate it with your mailing address. Comenity Bank is the one that reviews all your personal information and credit report.
Victoria’s Secret Terms and Conditions of Use
Like any store credit card, the interest rate is high; your APR is 24.99% as of February 2021. If you pay your debt in full by the due date each month and the payment is executed 25 days before the close of each billing, then you will not be charged interest.
It is a no-annual-fee credit card, but you do have to make fee payments when payments are late or returned. Failure to pay your debt on time can result in a fee of up to $40; if it is returned, the price will be $25.3.