The Ultimate Guide to Credit Cards
Tuesday, March 28, 2023

Victoria’s Secret Credit Card Review (2023)

Victoria’s Secret Credit Card Review ([current_year])

Store Credit Card

Brittney Mayer

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on, Eric has appeared regularly on, eHow, WiseBread, The Nest,, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Reviewed by: Adam West

Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Advertiser Disclosure

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.

Victoria's Secret Card Overall Rating: 3.7/5.0

The Victoria's Secret Angel Card is a closed-loop credit card, so it can only be used in L Brands locations, primarily Victoria's Secret and PINK stores and The card can also be used to make purchases in physical Bath & Body Works stores, but cardholders won't earn Angel Reward points in these locations.

The Angel Card also has a relatively high interest rate, charging 25.99% APR for regular purchases, so carrying a balance isn't recommended. On the plus side, cardholders can earn one Angel Rewards point for each $1 they spend on qualifying purchases, receiving a $10 Angel Reward for every 250 points. Multiple Angel Rewards can be stacked toward a single transaction, increasing the savings potential.

Victoria's Secret Credit Card

  • APR: 25.99% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Earn 1X point per $1 spent at Victoria's Secret
★★★★ 3.7/5.0

Cardholders are eligible for bonus buys that allow you to earn additional points, including triple points on every bra purchase, as well as free shipping on purchases that include bras. One thing to keep in mind is that your points will expire 12 months after they're earned, and rewards expire 90 days from the point of issue.

Members also receive exclusive offers and invitations, and gain early access to major sales and events. You can even celebrate your birthday in style with a special birthday gift from Victoria's Secret. And as a special thanks to new cardholders for signing up, you can save $20 off your next Angel Card purchase when you are approved and use your new Angel Card.

Approval Requirements & Application

All in all, the Victoria's Secret Angel Card seems to be pretty easy to qualify for, even with low credit. Reviewers report being accepted with scores as low as 500. At the same time, given the typical price of its products, the Angel Cardholders report relatively low limits, with an average of around $500. To apply for the Angel Card, head into your local Victoria's Secret or use the link below to apply online.

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.

Cash Back

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.





  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
19.49% - 28.24% Variable

0% APR

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.

BankAmericard® credit card Review

at Bank Of America'ssecure website





  • 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 21 billing cycles for purchases
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
15.49% - 25.49% Variable APR on purchases and balance transfers

Additional Disclosure: Bank of America is a CardRates advertiser.

Travel Rewards

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.

Discover it® Miles Review

at Discover Card'ssecure website





  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
16.49% - 27.49% Variable APR

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.
A review from says:

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. —

★★★★★ 5.0/5.0
A review from says:

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. —

★★★★ 4.0/5.0
A review from says:

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. —

★★ 2.0/5.0

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.

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.