Last Updated: 07/28/2025
SuperMoney User Recommendation Score -70
Strongly not recommended10 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Victoria's Secret Angel Credit Card Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Victoria's Secret Angel Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $15.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Victoria Secret credit card
| The Good | The Bad |
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Victoria Secret credit card FAQ
Does Victoria Secret credit card have a cash back or rewards program?
Victoria Secret credit card is a rewards card. This card features rewards for purchases in the following categories:
- Retail
| Description |
Does Victoria Secret credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $15 .
Does Victoria Secret credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Victoria Secret credit card benefits?
Victoria's Secret Angel Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Victoria Secret credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Victoria's Secret Angel Credit Card has a variable purchase APR of 24.99%. Victoria's Secret Angel Credit Card does not offer balance transfers.
Does Victoria Secret credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Victoria's Secret Angel Credit Card does not offer balance transfers.Does Victoria Secret credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Victoria Secret credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Victoria Secret credit card?
The customer service number for Victoria Secret credit card is (185) 579-69632.
How do people rate the customer service and user experience of Victoria Secret credit card?
Overall, Victoria Secret credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Victoria's Secret Angel Credit Card report your account activity to credit bureaus?
Yes, Victoria's Secret Angel Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Victoria Secret credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Victoria Secret credit card
- Visit the website of Victoria Secret credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Victoria Secret credit card
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -70, or 1.6 on a 5-point rating scale.
-70
-1000+100
No one recommends
Everyone recommends
Victoria's Secret Angel Credit Card Community Reviews
Would you recommend Victoria's Secret Angel Credit Card to your friends?
U
Anonymous
May 5, 2023
May or may not recommend
Worst credit card ever, very bed customer service. Do not have good communication with customer all they want to do to add fees on customer for no reason. They do not care about their customers. Do not recommend at all.
ND
Nicole D.
Jan 23, 2023
May or may not recommend
They are not willing to help with pay off after being a customer for many years and continue to look for ways to charge extra in order to get more money out of you. I mailed in a payment to pay the total amount (which was a large amount) and when i called in the day before the due date because the payment had still not processed, the guy ...Show More
JO
Jennifer O.
Apr 16, 2022
May or may not recommend
This card is horrible!! I had a perfect payment history with them for the 2 years I carried this card. Out of nowhere they decreased my limit, which wasn't much to start with. Then, again out of nowhere cancelled my card! I have never had a company do this! Nobody can give me a legitimate reason either! Do yourself a favor and stay away from this card.
JG
Jennifer G.
Feb 16, 2022
May or may not recommend
I signed up for this card when I was younger because I was drawn into the whole "$15 off purchase... earn points with each purchase" line. It's honestly not worth it, especially if you don't shop at VS much. The APR is extremely high and the online payment system is not very user friendly. Not to mention, the rewards expire.
MP
Myra P.
Jul 16, 2021
May or may not recommend
I recently applied for this and I was about to pay but my card hasn't arrived. I need the card number to pay for it. so I had a chat with customer service and instead, they want me to call the hotline. When I called there are a lot of similar concerns in the main menu, I don't even know where to ask for my card. Instead, I tried paying ...Show More
WS
Warda S.
Feb 24, 2021
May or may not recommend
I always pay all of my payments on the due date but for this card you have to pay before your due date and if you pay them on the due date they did not clear it and you maybe charge a late fees. So they do not have grace period. But if you are good at paying your bills and remember everything then you’re in good hands. They give ...Show More
NI
Nicole I.
Nov 2, 2020
May or may not recommend
I usually do not like getting credit cards from many stores, however, The Victoria Secret Angel Card is one I am very happy I have. When using the card, I get a variety of benefits such as 1 point per dollar spent on non bra items, a variety of Victoria Secret awards that you only receive through the card, and a variety of free shipping deals, which definitely comes in ...Show More
AD
Alissa D.
Oct 11, 2020
May or may not recommend
The website is hard to navigate and when you talk to customer service during a heightened security breach, you may deal with a representative who will not listen or treat you with kindness. The card itself has an incredibly high interest rate. The late fee is $38! Further, they do not have an option for automatic payments and have a third step confirmation for payment. These both make it easy ...Show More
TD
T D.
Nov 8, 2019
May or may not recommend
They offer no-interest plans for several months, however, when you make a payment, they will apply it to that no-interest plan.
So even though the no interest plan pay off is not due for months, the keep paying down the balance.
Meanwhile they are scamming on the revolving account that you are paying off each month.
BEWARE: Scammers and rippoff artists.
U
Anonymous
Jul 31, 2019
May or may not recommend
This card is really awful. while the benefit might be attractive but the online account is super not user friendly without auto-payment option so you literally have to remember to login to the website every month to pay your balance. If you forget to do that for any month the late fee will be waiting for you in the next statement. What's more, there is no grace period or forgiveness ...Show More
Showing 10 of 10 reviews
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