10 Benefits of Having a Victoria’s Secret Credit Card

No other lingerie company has ever gotten to the level of Victoria’s Secret. Since it started 41 years ago, the company has expanded its lingerie line into a complete womenswear and beauty product company that’s recognized by everyone globally. Many of the company’s designs are much coveted everywhere by women—and men for that matter. It’s enough reason to really have the Victoria’s Secret credit card. But if wanting will not convince you, here are 10 other benefits to owning a Victoria’s Secret credit card that should be enough to move you towards an application.

1. Savings right away

As soon as you become a cardholder, the first savings benefit you’ll get is a discount of $15 off of your first Victoria’s Secret credit card purchase. It’s a nice incentive, especially if you’ve been eyeing something at the store or online for a long time now. That amount of money is worth it to shave off a few dollars towards something of great value and quality.

2. Birthday surprise

Not many companies out there could even boast something like this. But at Victoria’s Secret, your birthday will be remembered and you will definitely be gifted with something you’ll enjoy. Whether it’s an actual product from the latest collection or a discount card towards a purchase, you can be sure to expect something to come in the mail for you.

3. Free shipping

This is great news for those who just absolutely love shopping online. If you are a Victoria’s Secret credit card holder, all your shopping online will be shipped to you for free. In addition, if you happen to not find something at the store, the store clerks could have the item shipped to your home for free as well.

4. Shopping rewards

The best part about shopping at Victoria’s Secret is this: the more you shop, the more rewards you get. The store has a rewards program that rotates every so often. Make sure that you check your benefits once you become a credit card holder in order to determine what your rewards are, and make sure to check them regularly.

5. Insider access

Victoria’s Secret stores host different types of events all year long. If you’re a credit card holder, you get immediate access to these events. You’ll be notified by mail or email regarding any upcoming cardholder only events. These events will generally give you extra discounts and special previews to new products that have not been released yet.

6. Angel Rewards

When you’ve accumulated at 250 points, you can get a $10 Angel Reward. You can use this reward towards future purchases, which is definitely a good amount for a discount towards any items at the store, but we love using that discount for beauty products that amount to roughly close to that amount. It’s a nice quick spend at the store—something to use to reward yourself with something small.

7. Card tiers

There are a total of three tiers for the Victoria’s Secret credit card, with the Angel card being the first tier, followed by the Angel VIP card. The top tier is called the Angel Forever card. You climb the tiers depending on the amount of points you accumulate each year. The higher your tier is, the more rewards you get. You need to accumulate 500 points to get to the second tier and 1,000 points to get to the top tier.

8. No annual fees

One of the best benefits of this card is the fact that it has no annual fee. Many general credit cards and store cards charge customers an annual fee, which only takes away from the amount of your available credit in the long run. Having no annual fees is a definite perk.

9. Fair credit

You only need a minimum of a fair credit score in order to get the Victoria’s Secret credit card. That’s great news for those who are in the rebuilding stages of their credit or those who just don’t have enough credit to begin with. However, your credit limit may start low in that case.

10. Amazing products

Of course, the best benefit to having the Victoria’s Secret credit card is having the capability to finance your shopping any time you’d like. The credit card is specific to the store, so you can’t use it anywhere else but there. There’s nothing wrong about that because there are no other stores our there like Victoria’s Secret.

10 FAQs about The Victoria’s Secret Credit Card

1. What is the worth of Victoria’s Secret reward point?

The reward you get depends on the type of credit card you have. For every 250 points you earn, you earn $10 Angel reward if you are an Angle and VIP cardholder, which translates to $0.04 for each point. If you are an Angel Forever cardholder, for every point, you will earn $0.06 since you get $15 for every 250 points earned.

2. Will the Victoria Secret reward points I earn expire?

Unfortunately yes. All the Victoria’s Secret credit card reward points expire within 12 months of earning them. Therefore to avoid the reward points from passing you by, you should take full advantage and spend them within that period.

3. Can I use the Victoria Secret credit card at Bath & Body Works?

The good news is you can use your credit card at all Bath & Body Works stores. The bad news is you will not earn any reward points for any purchases you make in the stores, and you can also not make any online purchases at Bath & Body Works using the credit card.

4. How do I qualify for my Victoria’s Secret credit card?

Victoria’s Secret credit card is like any other therefore when you apply banks will review your credit score as well as your credit history before they can issue you with a credit card. You can improve your chances of qualifying for a Victoria’s Secret credit card by reducing your debt amount and paying your credit card bills on time.

5. What charges should I expect from late payments?

Credit cards have a high interest rate, and Victoria Secret credit card is no exception. The interest rate is 24.99%; it is variable, changing depending on the market conditions. Therefore if you carry a balance, your reward points will be negated. Payments are due after 25 days, at least, after each billing cycle closes and if you are late, you face a penalty fee of up to $37. The late fee starts from $27 and depends on the times you have been late in the past.

6. For how long should I wait for my Victoria’s Secret card to be processed?

Once you have completed the application process and submitted it either electronically or on paper, you will get a notification of the status of your credit card application by mail. It usually takes about seven to ten days to receive the status notification, and once your application is approved, you will get your Victoria’s Secret credit card package that comes with a $15-off offer on a future purchase.

7. How do I get the Victoria’s Secret Angel Forever credit card?

The credit card has three status tier levels and to get to the highest level which is the Angel Forever status; you have to pass through the other two. Everyone starts at Angel status when they apply for Victoria’s Secret credit card and then climb on from there. To achieve the Angel VIP status, you must earn 500 points in a year and then for the Angel Forever status, you need to earn 1000 points in a year.

8. What benefits do I get from holding any of Victoria’s Secret credit cards?

Apart from the rewards you earn, you can earn triple points each month and free shipping for any bra purchases you make. You also receive a special package for your birthday month to help you celebrate. For Angel VIP and Angel Forever cardholders, they enjoy exclusive invites and offers as well as early access to major sales and other Angel-only perks. For the Angel Forever cardholders, they get a bonus surprise gift every year.

9. How long do online payments take?

If you prefer making online payments, then you will have to register your account then pay online. Your online payment will be processed the same day but only if received by 8 pm EDT. If received after 8 pm EDT, the amount will be processed the following day.

10. Who should apply for Victoria’s Secret credit card?

If you are a frequent buyer of the Victoria Secret merchandise, then this credit card is ideal because you will receive the coupons and other perks. However, for you to take full advantage of the card, you will have to ensure you do not carry over a balance to avoid losing your rewards and paying the interest charges.


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