Victoria's Secret Angel Credit Card

If you’re a big Victoria’s Secret shopper, the Angel credit card may be one you’ve considered signing up for especially since the holidays are right around the corner. The Angel card gives members the opportunity to earn Victoria’s Secret rewards, free shipping, and other gifts.

Victoria's Secret Angel Credit Card (1)

VICTORIA'S SECRET ANGEL CARD

  • Earn 3 points for every $1 spent on bra purchases at Victoria's Secret
  • Special triple points days each month
  • Free shipping and extra point days throughout the year
  • Earn higher Angel status for more valuable rewards and benefits
  • No annual fee
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If you’re a big Victoria’s Secret shopper, the Angel credit card may be one you’ve considered signing up for especially since the holidays are right around the corner. The Angel card gives members the opportunity to earn Victoria’s Secret rewards, free shipping, and other gifts.

1. What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

3. What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

What Victoria's Secret Angel Credit Cards Are Available?

Retailer cards usually come with high interest rates, and this one is no exception. It's really meant for the most loyal Victoria's Secret fans. The cards have 3 versions, or tiers, and everyone starts out with the regular Angel Card. Spend more on the card, accumulate more points, and you'll be upgraded to the next tiers - Angel VIP and then Angel Forever. The higher the tier, the higher the benefits.

How does the tiered rewards system work?

All cardholders earn one point for every $1 spent at victoriassecret.com and all Victoria’s Secret and PINK stores in the U.S.

Cardholders in the first two tiers — Angel Card and Angel VIP — earn a $10 Angel Reward certificate for every 250 points earned

Cardholders in the highest rewards tier — Angel Forever — earn a $15 Angel Reward certificate for every 250 points earned

All cardholders begin at the Angel Card level, but once you earn 500 points in a rolling 12-month period, you’ll be automatically upgraded to Angel VIP. Once you earn 1,000 points in a rolling 12-month period with the Angel VIP card, you’re automatically upgraded to Angel Forever credit card.

How Victoria's Secret Angel Credit Card Works

The Victoria’s Secret credit card is issued by Comenity Bank and can be used for purchases online at VictoriasSecret.com or in a Victoria's Secret retail location. While the card cannot be used in any other stores, it rewards cardholders with points that accrue and can be used for money off of future purchases.

Pros

1. Rewards: You earn 1 reward point for every dollar you spend in the store (and 2 points per dollar spent on bra purchases). When you reach 250 points, you're sent a gift card - $10 for the lower two reward tiers and $15 for the highest. You're automatically bumped to the second reward tier when you accumulate 500 points and to the third when you accumulate 1,000. The gift cards are equal to a 4% and 6% rewards rate, respectively. Given that most rewards cards have reward and/or cash back rates in the neighborhood of 1-2%, those are very respectable reward rates.

2. Perks: In addition to rewards points, all cardholders are sent a $10 gift card on their birthday and an anniversary gift, and they also get early access to the retail chain's semi-annual sale. Cardholders in the upper two reward tiers enjoy additional perks like triple points during select sales events, free beauty gifts, and an annual thank you gift.

3. No annual fee

Cons

1. Risk of losing points: You must make at least one purchase on the card within a 12-month time span or the card will become inactive and you'll lose any accumulated points. For infrequent Victoria's Secret shoppers, this is a major drawback. You may want to look for a credit card with no expiration on rewards.

2. Limited use: The Angel Card can only be used in Victoria's Secret and PINK stores. While you may also use the card at Bath & Body Works stores, you will not earn Angel Reward points on those purchases. This limits its usefulness, especially when compared to other rewards cards that allow you to earn points on all purchases regardless of where they're made. If VS is one of your favorite retailers and you go at least twice a year - and are especially keen to get a head's up about sales and the occasional free-shipping break, then the limitation doesn't matter.

3. High interest: The card has a high variable interest rate of 24.99%. That means any rewards will quickly be negated by interest fees if you carry a balance. Consider a credit card with low interest rate instead such as the Barclaycard Ring.

Bottom Line: Is the Victoria’s Secret Angel Credit Card Right for You?

If you like to shop at Victoria’s Secret and regularly spend more than $250 per year, the Angel Card could be a good way to get rewarded for shopping. But if that doesn’t sound beneficial to you, you might be better off with a regular cash back rewards credit card instead.

Unless you shop heavily at Victoria’s Secret and PINK stores, getting a card that will only reward you for spending at these retailers is not a good idea. And since the credit card reward is a coupon for more shopping, taking part in the program may even cause you to spend more than necessary.

Be careful if you’re thinking about opening this credit card just for holiday shopping. Buying now with the intent to pay later can cost you. Accumulating interest charges may outweigh any benefit that you would get from free shipping, rewards points, or birthday gifts.

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