Store Credit Card
Built in 1977 as a place for men to comfortably purchase lingerie for their wives, today Victoria's Secret has over 1,000 stores and is the largest retailer of women's lingerie in America. Victoria's Secret is given a lot of credit for invigorating the American lingerie market, which is now worth upwards of $12 billion a year.
While known worldwide for its racy ads, Victoria's Secret sells more than sex; its stores also feature a variety of womenswear and beauty products, including swimsuits and casual clothing, as well as lotions and perfumes. For those who contribute more than their fair share to Victoria and her Secret each year, the Victoria's Secret Angel Card can be a great way to earn exclusive savings and deals, as well as be among the first customers to access new lines and events.
Better Cards to Use at Victoria's Secret
Despite all the rewards offered by the Victoria's Secret Angel Card, at the end of the day — there's only so much lingerie one person can wear. Unless you're replacing your underthings on a weekly basis, the chances are good you'll see more value from an all-around, open-loop credit card than you will from an Angel Card. Instead of limiting yourself to lingerie, select a great rewards card you can use every day, everywhere.
The ultimate universal coupon, a good cash back rewards credit card offers you flat-rate savings on everything you buy — including high-priced panties. Cash back rewards can even be stacked with store coupons for extra earnings. You can redeem your cash back rewards as a check or statement credit to help cover your costs, or redeem them toward gift cards to popular stores and restaurants.
- Unlimited 1.5% cash back on every purchase — it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
- No annual fee
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
While the limited use is a huge negative, perhaps the worst thing about the Victoria's Secret Angel Card is its lofty APR, which can turn your bargain bloomers into a big-ticket blunder. Instead of paying fees to carry your balance, you can enjoy interest-free purchases with a great introductory 0% APR credit card offer. These offers provide 12 months or more of fee-free financing, giving you the break from high rates you need to catch up with your purchases.
- $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
- 0% Introductory APR for 15 months on purchases and balance transfers
- Monthly FICO® Score and Credit Dashboard for free
- No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
- $0 Annual Fee
0% for 15 months
0% for 15 months
For all those who hate getting all dressed up when there's nowhere to go, put on your sleekest skivvies and get ready to head on an adventure with your new travel rewards credit card. With a great travel rewards card, you can earn points or miles on every purchase, redeeming your rewards toward the vacation of your dreams — or your fantasies. The best travel rewards cards will offer blackout-free redemption options to ensure you can go where you want, when you want.
- Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
- Earn unlimited 2X miles per dollar on every purchase, every day
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- No foreign transaction fees
13.99% - 23.99% (Variable)
$0 intro for first year; $95 after that
While there are certainly those people who enjoy bustling bustier collections, the average consumer simply doesn't spend enough on tiny teddies to reap the full rewards of the Victoria's Secret Angel Card. The better deal for most of us is to pick up an everyday rewards card that can be used in a wider variety of locations to earn rewards on the things we really need.
What Others Say About the Victoria's Secret Credit Card
As with beauty, of course, the utility of the Victoria's Secret Angel Card is in the eye of the beholder. See what others are saying about the Angel Card for some alternate perspectives on whether the card is worth picking up.
Most of the complaints on here are in regards to late payments. They don't have to waive your late fees. Pay your bills on time! You know when they are due every month, be responsible. The interest rate shouldn't be a problem either if you are only spending what you can afford. Get this card if you're a responsible adult and want to get rewards. — CreditKarma.com”
I am very happy with this card so far. I love all the coupons I receive from having the card and it makes for great deals! I got the card the end of November with a very low credit limit but have received 2 CLI in the past 2 months. As long as you are responsible with this card it is a good card to have. It does have a high interest rate so I would not recommend carrying too big of a balance. — WalletHub.com”
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. — MyBankTracker.com”
Is the Victoria's Secret Card Right for You?
With flexible credit requirements, decent purchase rewards, and a variety of exclusive savings opportunities, the annual fee-free Victoria's Secret Angel Card can be a good addition to the wallet of any loyal lingerie shopper. For those who buy more groceries than garters, however, the closed-loop limitations of the Angel Card make it more of a novelty than a necessity.