Victoria’s Secret isn’t just about lingerie, beauty products, and fashion-forward designs.
For loyal customers, the brand also offers a credit card that unlocks exclusive perks and rewards.
Whether you're a frequent shopper at Victoria's Secret or just looking to build credit with a store card, the Victoria's Secret Credit Card might be the right fit.
Overview of the Victoria’s Secret Credit Card
Comenity Bank issues the Victoria’s Secret Credit Card and is available in three versions:
Victoria Card (entry-level), PINK Card (targeted to younger customers), and VIP Tier (for high spenders).
These cards are designed for use exclusively at Victoria’s Secret and PINK stores, including online platforms.
As you spend more annually, you may qualify for a higher tier, unlocking additional benefits such as increased rewards and early access to sales.
Key Features and Benefits
Managed by Comenity Bank, this card comes with three tiers of membership and a reward system tailored to encourage customer loyalty.
- Reward Points: Earn 1 point per $1 spent. For every 250 points, you receive a $10 reward.
- Birthday Gift: A special birthday reward every year.
- Early Access: Cardholders get early access to sales and exclusive events.
- No Annual Fee: There’s no annual charge to use the card.
- VIP Upgrade: Spend $250+ annually to qualify for the VIP card tier.
- Special Offers: Regular cardholder promotions via mail or email.
- Free Shipping: Available on select purchases for higher-tier cardholders.
Victoria Card vs. PINK Card vs. VIP Card – Comparison Table
| Feature | Victoria Card | PINK Card | VIP Card |
|---|---|---|---|
| Branding | Classic Victoria’s Secret | PINK (younger brand line) | Victoria’s Secret (VIP tier) |
| How to Get It | Apply and get approved | Apply and get approved | Upgrade after $500 annual spend |
| Annual Fee | $0 | $0 | $0 |
| Points per $1 Spent | 1 point | 1 point | 1 point |
| Rewards | $10 for every 250 points | $10 for every 250 points | $10 for every 250 points |
| Birthday Gift | Yes | Yes | Yes + Enhanced Gift |
| Early Access to Sales | Yes | Yes | Yes (priority access) |
| Anniversary Gift | No | No | Yes |
| Exclusive Perks | Basic offers | Basic offers | VIP-only events and promotions |
| Eligibility | 18+, credit check | 18+, credit check | Only after meeting spend limit |
| Where You Can Use It | Victoria’s Secret and PINK | Victoria’s Secret and PINK | Victoria’s Secret and PINK |
Eligibility Requirements
To apply, you must be at least 18 years old, have a valid U.S. mailing address (no P.O. Boxes), and a valid Social Security Number or ITIN.
Undergo a credit check (typically a soft inquiry during prequalification, a hard inquiry upon approval).
Comenity Bank evaluates your creditworthiness during the application process. Approval is based on credit history, income, and overall financial standing.
How to Apply
You can apply for the Victoria’s Secret Credit Card online or in-store:
Online Application
Visit the official website and click on "Apply Now" to start the process.
If you don't have an account, you must create one. Provide your email, phone number, and name. Then, confirm your email with a code and join Patreon.
Fill out the application form:
- Full name
- Date of birth
- Social Security Number
- Annual income
- Contact details (email, phone, zip code, address)
- Account Assure and Additional Users
- Review the terms and conditions.
- Submit your application.
You may receive an instant decision. You’ll be contacted via email or mail if more review is needed.
In-Store Application
Visit any Victoria’s Secret or PINK store and ask a store associate about applying for the credit card.
Provide your personal and financial details at the register or kiosk.
Wait for approval notification at the point of sale or via follow-up communication.
Approval and Credit Check Details
Applicants may receive instant approval if they meet the requirements. If approved, your new card can often be used immediately for in-store purchases.
Comenity Bank may perform a soft credit pull if you check for prequalification, and a hard inquiry upon final submission of your application.
Credit decisions are typically based on your FICO score, income, and current debt obligations.
Managing Your Account
Once approved, you can manage your Victoria’s Secret Credit Card via the Comenity Bank website or mobile app.
Services include paying your bill online, viewing transaction history, tracking points and available rewards, and setting up payment alerts or autopay.
Always monitor your account to avoid missed payments or unexpected fees.
Fees, APR, and Payment Terms
The card is a retail credit card, meaning interest charges are applied if you carry a balance.
To avoid high interest, paying your balance in full each month is recommended.
- APR: Variable, around 29.99% (check official site for current rate)
- Late Payment Fee: Up to $41
- Returned Payment Fee: Up to $41
- Annual Fee: None
Pros and Cons
Pros:
- Easy to qualify for with fair credit
- Ideal for Victoria’s Secret and PINK shoppers
- Access to exclusive events and offers
Cons:
- High interest rate
- Limited usability outside Victoria’s Secret ecosystem
- Rewards expire if unused
Customer Service and Contact Info
They'll help with everything you need to know, from features and benefits to the eligibility criteria and detailed instructions on how to apply online or in-store.
- Phone Support: 1-800-695-9478
- Website: https://www.victoriassecret.com/us
- Live Chat: Available on the official site during business hours
- App: Comenity Bank mobile app for iOS and Android
- Payment Address: Comenity Bank, PO Box 659728, San Antonio, TX 78265-9728
(Always confirm this address on your billing statement or the issuer’s website.)
Final Thoughts
The Victoria’s Secret Credit Card is a valuable option for loyal customers who want to earn rewards, access special events, and enjoy exclusive promotions.
However, managing your account responsibly is important to avoid fees and interest charges. As with any financial product, terms may change.
Always refer to the official Comenity Bank site for the latest details before applying.
Disclaimer: Information is accurate as of publication. Terms and benefits are subject to change by Comenity Bank and Victoria’s Secret without notice.
