Victoria’s Secret Credit Card: DON’T Apply Without Reading Our Review First!

Don’t apply to the Victoria’s Secret Credit Card without reading our review first! We go through the benefits and risks, and pros and cons

Updated February 2024
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Fact checked by John Wayman
Victoria Secret Credit Card

If you’re a frequent shopper at Victoria’s Secret, you might want to consider applying for a credit card. Not only will you receive exclusive rewards and benefits, but you’ll also have access to special sales and events throughout the year. In this article, we’ll walk you through the steps of applying for a Victoria’s Secret credit card, both online and in-store.

Understanding the Victoria’s Secret Credit Card

Before you start your application, it’s important to understand what the Victoria’s Secret credit card has to offer.

Here are some benefits and drawbacks to keep in mind:

Benefits of the Victoria’s Secret Credit Card

The Victoria’s Secret credit card offers a range of benefits to its cardholders. One of the most significant benefits is the exclusive rewards and discounts that are available only to cardholders. These rewards can be used to purchase Victoria’s Secret products, including clothing, lingerie, and beauty products. Cardholders also get early access to sales and events, which can be a great way to snag deals on popular items before they sell out. Additionally, cardholders get free shipping on eligible purchases, which can help save money on delivery fees. Finally, cardholders receive a birthday gift each year, which is a nice perk that can make your special day even more special.

Fees and Interest Rates

One of the biggest concerns for many credit card users is the fees and interest rates associated with their cards. The good news is that the Victoria’s Secret credit card has no annual fee, which means that you won’t have to pay to use the card each year. However, the card does have a variable APR between 25.24% and 27.24%, which is quite high compared to other credit cards. If you plan to carry a balance on your card, you’ll want to keep this in mind. Additionally, the card does have penalty fees for late-payments and returned payments, so it’s important to make your payments on time to avoid these fees.

Credit Score Requirements

If you’re interested in applying for a Victoria’s Secret credit card, it’s important to know the credit score requirements. Typically, you’ll need a credit score of at least 650 to be eligible for the card. However, it’s worth noting that approval is not solely based on your credit score. Other factors, such as your income and employment history, will also be taken into consideration. If your credit score is lower than 650, you may still be approved for the card, so it’s worth applying if you’re interested.

Victoria’s Secret credit card can be a great option for those who shop at Victoria’s Secret frequently and want to take advantage of exclusive rewards and discounts. However, it’s important to keep in mind the fees and interest rates associated with the card, as well as the credit score requirements. If you’re interested in applying for the card, be sure to read the terms and conditions carefully and consider whether it’s the right choice for your financial situation.

Woman thinking about applying for a Victoria's Secret Credit Card

Personal Finance Guru’s Take

Like most store credit cards, you’ll need to be a very big shopper of this store to make getting their specific store card worth it.

While, yes, you will likely get more rewards than if you use you’re generic cash back or points card, it’s such a small extra amount (think tens or at most hundreds of dollars), that it’s probably not worth it for the vast majority of people to get to have to manage yet another credit account.

The rewards rate is presented in a very confusing way but calculates out to about 2.5% back in-store credit.

  • $10 back per 2,000 points and 5 points per dollar spent = 2.5% 

This is actually pretty low among store cards, which trend towards 5-10%.

There are other small perks like free shipping (if you meet spending thresholds) and a “birthday gift,” but again, we would pause to consider if these trivial items are really worth managing another account. Probably not unless you truly spend a lot of money every year at Victoria’s Secret (we’re thinking something like thousands of dollars every single year).

The drawbacks of this card are typical of a store credit card, an absolutely massive interest rate if you forget to pay on time and a credit card that isn’t accepted anywhere but at the store it was issued at.

Overall, we’re skipping it, but then again, we’re not big Victoria’s Secret shoppers.

Preparing to Apply for the Victoria’s Secret Credit Card

If you’re interested in applying for the Victoria’s Secret Credit Card, there are a few things you should do to prepare. Before you start your application, make sure you have all the necessary information and meet the eligibility requirements.

Gathering Necessary Information

When applying for the Victoria’s Secret Credit Card, you’ll need to provide personal information, such as your name, address, and social security number. You’ll also need to have your employment and income information on hand. This information is used to determine your creditworthiness and ability to make payments on the card.

It’s important to ensure that the information you provide is accurate and up-to-date. Any errors or discrepancies could result in your application being denied or delayed.

Checking Your Credit Score

Before you apply for the Victoria’s Secret Credit Card, it’s a good idea to check your credit score. Your credit score is a numerical representation of your creditworthiness and is based on your credit history, including your payment history, credit utilization, and length of credit history.

You can check your credit score for free through a variety of websites, such as Credit Karma or Experian. Make sure your score falls within the eligibility requirements before applying. The Victoria’s Secret Credit Card typically requires a credit score of at least 640, but this can vary depending on the issuer and other factors.

If your credit score is lower than the eligibility requirements, you may want to work on improving your credit before applying for the card. This can include paying down debts, making on-time payments, and disputing any errors on your credit report.

Ensuring You Meet Eligibility Requirements

In addition to credit score requirements, you must also be at least 18 years old and have a valid government-issued ID. This is to ensure that you are legally able to enter into a credit agreement and can be held responsible for any debts incurred on the card.

If you meet all of the eligibility requirements and have gathered all the necessary information, you can proceed with your application for the Victoria’s Secret Credit Card. The application process typically takes only a few minutes and can be done online or in-store. In rare cases, it can take a few days or weeks, if you’re application is selected for a manual review. 

Overall, the Victoria’s Secret Credit Card can be a great way to save money and earn rewards on your purchases. Just make sure to use it responsibly and pay your balance in full each month to avoid interest charges and fees.

Woman thinking about applying for a Victoria's Secret Credit Card

Applying for the Victoria's Secret Credit Card Online

Navigating to the Application Page

Before you begin the application process, make sure you have all the necessary information at hand. This includes your personal details, employment information, and financial information. Once you’re ready, visit the Victoria’s Secret credit card page and click on the “Apply now” button. This will redirect you to the application page, where you can begin filling out the form.

Filling Out the Application Form

The application form will ask for your personal information, such as your name, address, and contact details. You’ll also need to provide your employment and income details, including your job title, employer name, and annual income. Additionally, you’ll be asked to provide your financial information, such as your monthly housing payment and any other outstanding debts you may have.

Make sure to review the disclosures and agreements carefully before submitting your application. This will ensure that you understand the terms and conditions of the credit card, including the interest rates and fees associated with it.

Submitting Your Application

Once you’ve completed the application form and reviewed the disclosures, click on the “Submit” button. Your application will be reviewed by the credit card issuer, and you’ll receive a response within a few minutes. If approved, you’ll usually receive your new credit card within 7-10 business days.

Keep in mind that approval for the Victoria’s Secret credit card is not guaranteed. Your credit score and credit history will be taken into consideration during the application process. If you’re not approved for the credit card, don’t worry – there are plenty of other credit cards available that may better suit your needs.

Overall, applying for a Victoria’s Secret credit card online is a quick and easy process. With exclusive rewards and discounts, it’s definitely worth considering if you’re a frequent shopper at Victoria’s Secret. So why not give it a try and see if you’re approved?

Applying for the Victoria’s Secret Credit Card In-Store

If you prefer to apply in person, here’s what you need to know:

Locating a Victoria’s Secret Store

Victoria’s Secret is a well-known lingerie and beauty retailer that has over 1,000 stores across the United States. You can easily locate a store near you by using the store locator on the Victoria’s Secret website. Simply enter your zip code or city and state, and the website will show you all the stores in your area. You can also filter the results by store type, such as Victoria’s Secret, Victoria’s Secret PINK, or Victoria’s Secret Beauty.

Requesting an Application Form

Once you’ve found a store near you, it’s time to head over and request an application form. When you arrive at the store, find one of the store associates. Simply approach one of them and ask for Victoria’s Secret credit card application. Usually, they will be happy to provide you with one and answer any questions you may have about the application process. Although I have found they are typically indifferent whether you get the credit card or not, suggesting they are not on a commission for it, so expect them to help you if you want it, but not be too pushy. 

Completing and Submitting the Application

After you’ve received the application form, it’s time to fill it out with your personal and financial information. The application will ask for your name, address, social security number, income, and other important details. Make sure to fill out the form completely and accurately to avoid any delays or issues with your application.

Once you’ve completed the application, simply submit it to the store associate. They’ll review your application and process it right there in the store. You’ll receive a response within a few minutes, so you won’t have to wait long to find out if you’ve been approved for the Victoria’s Secret credit card.

A woman in a Victoria's Secret store filling out a credit card application at the checkout counter, pop art style

​​What to Expect After Submitting Your Application

After you’ve submitted your application for a Victoria’s Secret credit card, you’re probably eager to know what comes next. While waiting for a response, you can start planning your future purchases and imagining all the rewards and benefits you’ll be able to enjoy with your new card. Here’s what you should expect:

Application Review Process

Once you’ve submitted your application, it will be carefully reviewed by the Victoria’s Secret credit team to determine your eligibility and credit limit. The team will take into account your credit history, income, and other factors to ensure that you’re a responsible borrower who can handle the credit line you’re requesting. You’ll usually receive a decision within a few minutes of submitting your application online, or in-person at the store.

During the review process, it’s important to be patient and avoid applying for other credit cards or loans. Multiple applications within a short period of time can negatively impact your credit score and make it harder to get approved for credit in the future.

Receiving Your Credit Card

If your application is approved, congratulations! You’ll soon receive your Victoria’s Secret credit card in the mail within 7-10 business days. The card will come in a plain envelope for security reasons, so keep an eye out for it and make sure to check your mailbox regularly.

If you’re in a rush to start using your new card, you can also opt for expedited shipping for an additional fee. This will ensure that your card arrives within a few days, so you won’t have to wait long to start shopping.

Activating Your Victoria’s Secret Credit Card

Once you receive your credit card, you’ll need to activate it before you can make any purchases. This is an important security measure that helps prevent fraud and unauthorized use of your card.

To activate your card, you can call the number on the sticker attached to your card or log into your account online. You’ll need to provide some personal information to verify your identity, such as your name, address, and social security number.

Once your card is activated, you’re ready to start shopping! You can use your Victoria’s Secret credit card to make purchases in-store or online, and earn rewards points for every dollar you spend. Plus, you’ll get access to exclusive cardholder benefits, such as free shipping, birthday gifts, and early access to sales and promotions.

Managing Your Victoria’s Secret Credit Card Account

Now that you have your Victoria’s Secret credit card, it’s important to manage your account properly to avoid any penalties or fees. In this guide, we will go over some tips and tricks to help you manage your account like a pro.

Registering for Online Account Access

One of the first things you should do after receiving your Victoria’s Secret credit card is to register for online account access. This will allow you to manage your account from anywhere, at any time. To register, simply go to the Victoria’s Secret credit card page and follow the prompts to create an account. Once you’re registered, you can make payments, check your balance, and access your rewards and benefits with ease.

Having online account access also allows you to set up alerts and notifications. You can receive alerts when your payment is due, when a payment has been received, and when your balance reaches a certain amount. This can help you stay on top of your account and avoid any late fees or penalties.

Making Payments and Tracking Transactions

One of the most important aspects of managing your Victoria’s Secret credit card account is making your payments on time. Late payments can result in fees and penalties, and can also negatively impact your credit score. To avoid this, make sure to make your payments on or before the due date.

You can make payments online, over the phone, or by mail. Online payments are the most convenient, as they allow you to make a payment from anywhere, at any time. You can also set up automatic payments to ensure that your payment is always made on time.

In addition to making payments, it’s also important to track your transactions and balance. You can do this easily through your online account. By keeping an eye on your balance and transactions, you can avoid overspending and ensure that you’re staying within your budget.

Redeeming Rewards and Benefits

As a Victoria’s Secret credit cardholder, you’ll have access to exclusive rewards and benefits. These can include discounts, early access to sales and events, and free shipping on eligible purchases. To take advantage of these rewards, make sure to check your account regularly.

You can view your rewards and benefits through your online account. Simply log in and navigate to the rewards section. From there, you can see what rewards you have available and how to redeem them.

It’s important to note that rewards and benefits may have expiration dates, so make sure to use them before they expire. You can also earn rewards faster by using your Victoria’s Secret credit card for all your purchases.

By following these tips and tricks, you can manage your Victoria’s Secret credit card account like a pro. Remember to make your payments on time, track your transactions and balance, and take advantage of your exclusive rewards and benefits.

Frequently Asked Questions about the Victoria’s Secret Credit Card

Can I Use the Victoria’s Secret Credit Card at Other Stores?

No, the Victoria’s Secret credit card can only be used at Victoria’s Secret and their affiliate stores. However, with over 1,000 Victoria’s Secret stores and a robust online store, you’ll have plenty of opportunities to use your card and earn rewards.

What is the Credit Limit for the Victoria’s Secret Credit Card?

Your credit limit will depend on your creditworthiness and other factors determined by the bank. The credit limit can range from a few hundred dollars to several thousand dollars. You can check your credit limit by logging into your online account. Keep in mind that your credit limit may change over time based on your credit history and payment behavior.

How Can I Increase My Credit Limit?

You can request a credit limit increase by calling the number on the back of your credit card. The bank will review your account history, credit score, and income to determine if you’re eligible for an increase. If approved, your credit limit will be raised, giving you more spending power and potentially improving your credit score.

But before you request a credit limit increase, make sure you’re able to handle the additional credit responsibly. A higher credit limit can be tempting to use, but it’s important to only charge what you can afford to pay off each month to avoid accumulating debt and interest charges.

Applying for a Victoria’s Secret credit card can be a great way to save money and receive exclusive rewards and benefits. Cardholders can earn points for every dollar spent at Victoria’s Secret and redeem them for discounts, free shipping, and other perks. Plus, cardholders get access to special promotions, early access to sales, and a birthday gift each year.

However, it’s important to remember that credit cards should be used responsibly. Make sure to pay your bill on time and in full each month to avoid late fees and interest charges. And only charge what you can afford to pay off to avoid accumulating debt and damaging your credit score.

So if you’re a frequent Victoria’s Secret shopper and can manage your credit responsibly, a Victoria’s Secret credit card may be a great option for you. Happy shopping!

An attractive woman picking out clothing in a Victoria's Secret store in the style of pop art

Sources

  • Victoria’s Secret Credit Card disclosure forms 
  • Bread Financial 
  • Victoria’s Secret Website

Editor's Note:

At Personal Finance Guru, we want to help you maximize your lifestyle through personal finance. You can trust the integrity of our independent financial advice. Our opinions are our own and have not been provided, reviewed, approved, or endorsed by any advertiser or financial product provider. To support and grow the site, however, we may receive compensation from the issuers of some products.
Meet the author: Cathy Gresham

Meet the author: Cathy Gresham

Editor & Author

Cathy Gresham is a finance whiz. 

After earning her MBA from The Wharton School, she has worked in strategy at some of the world’s largest and most influential financial companies for 20+ years. Notably, she has worked for the biggest credit card issuers and networks and brings an insider’s perspective to how credit card products work behind the scenes.  

Cathy is passionate about personal finance and investing, and loves helping people learn about these complex topics. Her wit and humor make learning about money fun, and she’s always happy to share her knowledge with others.

Cathy enjoys spending time with her family and friends when she’s not crunching numbers or developing investment strategies. She’s also an avid runner, and can often be found pounding the pavement on her morning jog.