Victoria’s Secret (VSCO), one of many world’s most well-known lingerie manufacturers that additionally affords clothes, fragrances, and physique care, has its personal branded bank card—the Victoria card.
Like many co-branded bank cards, the Victoria’s Secret card has some advantages for individuals who store within the retailer usually. Its chief opponents are playing cards from Hole and Lane Bryant, with which it shares many options.
Key Takeaways
- The Victoria’s Secret’s bank card works on the model’s shops and web site, and at sister corporations PINK and Tub & Physique Works.
- Victoria’s Secret’s card has three tiers, relying on how a lot a cardholder spends annually, which carry totally different rewards and perks.
- All cardholders earn one level for each greenback spent.
- As with most proprietary retailer playing cards, Victoria’s Secret’s card primarily works finest for many who frequently buy the model’s merchandise.
How the Victoria’s Secret Credit score Card Works
Victoria’s Secret points the Victoria card in partnership with Comenity Financial institution. Comenity, primarily based in Draper, Utah, gives Victoria’s Secret customers with a revolving line of credit score. Victoria’s Secret cardholders earn rewards in response to the worth of their purchases, each on-line and in retailer.
The place Can the Victoria’s Secret Credit score Card Be Used?
The Victoria card can be utilized for purchases on-line at VictoriasSecret.com or in individual at a Victoria’s Secret or PINK retailer. It’s additionally accepted at Tub & Physique Works shops, though purchases there don’t earn any reward factors.
Proprietary retailer bank cards just like the Victoria’s Secret bank card are formally often known as closed-loop or single-purpose playing cards.
Rewards and Advantages of the Victoria’s Secret Credit score Card
There are three totally different reward tiers—fundamental, silver, and gold—that mirror the sum of money spent on a rolling 12-month interval. All cardholders earn one level for every $1 of internet new purchases on their Victoria’s Secret bank card. As soon as a cardholder earns a sure variety of factors, the cardholder is upgraded to the subsequent stage.
The primary tier is the essential Victoria card. All cardholders earn triple factors on all bra purchases, free delivery for certified purchases (above $50), and one triple-point day of their selection. As well as, cardholders get $10 on their birthday annually that the cardboard is energetic and a $10 reward to make use of on future purchases.
The second tier is the Victoria silver card. Cardholders qualify for this tier by incomes 250 factors on their Victoria’s Secret card in a rolling 12-month interval. Silver cardholders accrue factors on the similar stage and charge as a fundamental Victoria cardholder, and obtain the identical annual $10 reward and birthday deal with, however accrue extra advantages: a half-birthday deal with of $10 and a 15% low cost on the anniversary of their sign-up.
The highest tier is the Victoria gold card. To qualify, the cardholder should earn 500 factors on their Victoria’s Secret bank card inside a rolling 12-month interval. Extra perks of being a gold cardholder embody $15 birthday and half-birthday treats and a 20% anniversary low cost.
Different little perks and particular occasions could happen every month. To keep up the tier, a cardholder has to maintain spending the identical quantity annually; in any other case, the cardboard reverts to a decrease tier.
The place Can I Get the Victoria’s Secret Credit score Card?
You’ll be able to apply for the Victoria’s Secret bank card at www.TheVictoriaCreditCard.com or www.comenity.internet/ac/victoriassecret/public/dwelling. You’ll be able to full an utility kind on-line or apply in individual at any Victoria’s Secret or PINK retailer. You’ll must create or register to your VictoriasSecret.com account to start your utility.
What Form of Credit score Is Required for the Victoria’s Secret Credit score Card?
Candidates have to be at the least 18 years outdated, have a sound government-issued picture ID and U.S. Social Safety quantity, and have to be a resident of america with a sound mailing tackle. Comenity Financial institution verifies private data and obtains a duplicate of a client’s credit score report when making its choice to increase credit score to a possible cardholder.
The credit score restrict on the cardboard is dependent upon the applicant’s private credit score historical past and funds. That being stated, retailer bank cards usually appear simpler to qualify for than general-use playing cards. For the reason that Victoria card doesn’t value something to personal, acquiring and utilizing one responsibly generally is a manner for somebody with a restricted credit score historical past to construct up a great report.
Phrases and Situations of the Victoria’s Secret Credit score Card
Like most store-branded bank cards, the Victoria card expenses a hefty quantity of curiosity: As of February 2022, the marketed annual proportion charge (APR) is 24.99%. It’s a variable charge, which fluctuates with the prime rate of interest. No curiosity is paid if a cardholder pays off their whole steadiness by the due date every month, and the cost due date is at the least 25 days after the shut of every billing cycle.
Like most retailer playing cards, the Victoria card has no annual payment, however there are expenses for late and returned funds. If a cardholder is late paying their invoice, they need to count on a payment of as much as $41. Charges on returned funds can go as excessive as $25.
As with all bank card, late funds can injury the cardholder’s credit score rating. Cardholders ought to completely learn their cardholder agreements for full particulars.
By the Numbers
- Variable annual proportion charge (APR): 24.99%
- Late payment: As much as $41
- Returned cost payment: As much as $25
- Grace interval: 25 days
How you can Cancel the Victoria’s Secret Credit score Card
You’ll must get in contact with Comenity Financial institution to cancel your Victoria’s Secret bank card, since Comenity manages the cardboard. You’ll be able to name Comenity at (800) 695-9478 or TDD/TTY at (800) 695-1788 to cancel your card. Alternatively, you possibly can ship them a message by way of their Safe Message Middle.
Victoria’s Secret Credit score Card Buyer Service
Comenity encourages clients to handle their Victoria’s Secret bank card account on-line by utilizing the Account Middle. The Account Middle has 24/7 entry and lets you view your steadiness, transactions and statements and make funds to your card. In case you haven’t registered for this service, you possibly can register right here.
It’s also possible to name Buyer Care on the telephone numbers talked about above.
Who Ought to Contemplate the Victoria’s Secret Credit score Card?
Getting a retailer bank card is sensible for shoppers who frequently store at that retailer. When you’ve got a excessive diploma of brand name loyalty to Victoria’s Secret and/or PINK and are on the lookout for particular reductions, then making use of for a Victoria card may very well be a wise selection.
Be warned, although, that retailer playing cards may be dangerous in the event you aren’t positive that you would be able to meet your funds on time. These playing cards include a excessive rate of interest, which may rapidly wipe out any of their advantages in the event you don’t repay your steadiness in full each month.
The place Can I Use the Victoria’s Secret Credit score Card?
The Victoria’s Secret bank card can be utilized at VictoriasSecret.com and in any respect Victoria’s Secret, PINK, and Tub & Physique Works shops.
How Can I Pay My Victoria’s Secret Credit score Card?
You’ll be able to pay your Victoria’s Secret bank card in shops or on-line. It’s also possible to make a cost by telephone by calling (800) 695-9478 or TDD/TTY (800) 695-1788 Monday via Saturday, 8 a.m. to 9 p.m. Japanese time.
How Can I Discover Out How Many Factors I Have Earned?
You’ll be able to view the factors wanted to your subsequent reward on-line. To study the overall factors you’ve earned in your account, name (800) 695-9478 or TDD/TTY (800) 695-1788 Monday via Saturday, 8 a.m. to 9 p.m. Japanese time.
The Backside Line
As is the case with proprietary bank cards, the Victoria card solely works with one service provider: Victoria’s Secret (and its company sister retailers). Whereas it carries a number of perks and privileges that make cardholders really feel like a part of the Victoria’s Secret household, its major profit is that it accrues factors that translate into cash for or reductions on future purchases. You usually have a restricted period of time to make use of these rewards.
General, this card is finest suited to shoppers who already spend cash early and infrequently at Victoria’s Secret. Those that aren’t large followers of the model will discover that the Victoria card has a fairly restricted enchantment.