If you can’t help feel like a kid in a candy shop when you walk into a Victoria’s Secret or PINK store, you probably drop way too much of your paycheck on silky underthings and comfy athleisure clothes.
So when the cashier asks if you’d like to open a Victoria’s Secret Angel Credit Card account, the thought makes you both nervous (too much temptation!) and curious, especially when you hear about all the discounts, freebies, and perks associated with being a cardmember.
While your heart may be screaming Sign me up!, your brain could use a bit more intel before you agree to open up another (or your very first) credit card.
Have no fear! :)
Today, I’ll be discussing the finer details of the Victoria’s Secret Angel Credit Card so you feel as confident and secure with your decision as you do when you’re wearing their merchandise.
What is the Victoria’s Secret Credit Card?
The Victoria’s Secret credit card — also known as the Angel Credit Card — works like any other credit card except you can only use it to charge purchases made at Victoria’s Secret and PINK stores, online at www.VictoriasSecret.com, and over the phone when ordering from the catalog.
In exchange for not using your other credit or debit cards, you’ll earn one point for every dollar you spend when you swipe your Angel Card for purchases.
What’s the Difference Between the Angel, Angel VIP, and Angel Forever Status Tiers?
There are three different membership tiers based on how many points you accumulate within the program year (or consecutive 12-month period from February 1–January 31).
You’ll automatically jump tiers as long as you keep your account in good standing.
To upgrade to the next level, you’ll need to accumulate:
- Angel: Zero points (base level)
- Angel VIP: At least 500 points
- Angel Forever: At least 1,000 points
Each cardholder tier comes with better freebies and benefits (we’ll talk more about each group’s specific perks later in section 8). You also receive a $10 reward for becoming an Angel VIP and a $15 reward for earning your Angel Forever wings.
Once you reach Angel VIP status, you’ll never get demoted back to Angel level.
Climb to the Angel Forever tier and you’ll maintain this status for the entire year you earned your 1,000 points and the following year. However, you’ll need to earn and maintain those 1,000 points to keep your crown after that.
Though you’ll never be demoted to Angel, you can drop down to the Angel VIP tier if you fall below this 1,000-point requirement.
Which Customers Benefit Most From Having an Angel Card?
It’s mighty hard to resist the initial discount you’re offered at the register just for applying for a Victoria’s Secret credit card—and if you’re approved, the discounts only continue from there.
Yet unlike a traditional rewards credit card, your Angel Credit Card rewards you with discounts for future purchases, not cash back for the purchases you’ve already made.
If you’re a dedicated Victoria’s Secret fan, you’ll obviously love being rewarded for your loyalty and spending habits. The more points you rack up, the more gifts, discounts, and special event invites you’ll receive, making it a card well-worth your attention.
Just not that in love with Victoria’s Secret?
You may not find the card as useful since you’re locked in to spending your rewards there all the time.
What Bank Is the Angel Card Issued Through?
Which Stores Can I Use My Angel Card At?
You can use your Angel Card to make in-store purchases from Victoria’s Secret and PINK locations. Online purchases made at www.VictoriasSecret.com also count.
Additionally, you’re also allowed to use your Angel Card at Bath & Body Works stores. However, you can’t use your VS card for online purchases here and you don’t accumulate any points like you would with Victoria’s Secret/PINK purchases.
What are the Rates and Fees for the Angel Credit Card?
Beware the Crazy High Interest Rate
Interest rates for standard credit cards average between 15–20%.
The annual percentage rate (APR) for the Victoria’s Secret credit card is a staggering 25.49%.
That’s why it’s crucial to pay your VS card bill—in full—every month.
You have a 25 day grace period to pay your credit card bill before interest starts to accrue so set those calendar reminders on your phone to avoid these high charges.
What is the Credit Limit on a Victoria’s Secret Angel Credit Card?
According to user reviews, this limit averages a starting point of $250, but users haven’t had problems asking for an increase in spending power later down the line.
Want to see if you’re pre-approved and check your estimated credit limit without taking a hit on your credit report?
It’s called the Shopping Cart Trick.
Basically, hop on the Victoria’s Secret website and start adding items to your virtual cart as if you were on a shopping spree. Get cray! Some users say the more you add to your shopping cart, the higher credit limit you’ll be offered.
After you’ve filled up your shopping bag with happiness, start the checkout process and enter your name, address, and phone number exactly as it matches with the other financial documents in your credit report (i.e., bills, credit cards, bank accounts, etc.).
Before you get to the final screen asking for payment, you should receive a pop-up offer for a pre-approval. Here you’ll be given an estimated credit limit.
See this screen and you have a pretty high chance of qualifying for an Angel Card if you fill out the application for reals.
This pre-approval process uses what’s known as a soft credit check, which means it won’t affect your credit score. However, you may notice much lower credit limits because this route doesn’t dive deep into your financial records. To minimize risks, you’ll be approved for less.
Fill out an application and you’ll have what’s known as a hard credit inquiry. This kind of check can lower your credit score by as much as five points. On a positive, because it’s so all-encompassing, you’ll have an accurate credit limit instead of a guesstimate.
How Do You Apply for a Victoria’s Secret Credit Card?
What’s the Online Application Process Like?
To apply for an Angel Card online, click the pink credit card logo on the right hand side of the navigation bar on the Victoria’s Secret website. You’ll see a drop down with the choice to Apply Now.
You can also head over to the secure Victoria’s Secret online portal directly at www.VSAngelCard.com to start the 3-step application.
Choose which type of Angel Card you want to rock: a sleek black Victoria’s Secret Angel Card or a bright PINK Angel Card.
Both cards tout the exact same benefits so there’s no real difference; both work at all VS and PINK stores and for purchases made online at www.VictoriasSecret.com.
Next, fill in some basic information about yourself like your name and social security number. This information should match what you use for your bills and other credit cards so the online algorithms find and sync your identity and obtain your credit history correctly.
You’ll also be asked to submit your annual income amount here, but don’t get freaked out.
Federal law requires all institutions to ask for your income before determining credit limits. This information will be used to figure out if you’ll be able to cover the minimum payments of the credit they extend to you.
Move on and type in your contact information. You’ll need a valid street address—not a P.O. box—to qualify for an Angel Card.
After this screen you’ll need to read through the Victoria’s Secret Angel Credit Card terms and conditions and agree to them before your application is whisked away for approval.
What Eligibility Criteria and Credit Qualifications are Required to Apply for an Angel Credit Card?
Applicants looking to score a Victoria’s Secret credit card must:
Be at least 18 years old
Have a U.S. social security number
Have a valid government-issued photo ID
Be a U.S. resident with a valid mailing address
Do you need a minimum credit score?
Credit cards tied to stores are usually much easier to qualify for than traditional credit cards.
Imagine being a loyal customer at a store, applying for a credit card to spend more money at said store, and being rejected!
Retailers don’t want to risk losing a customer clearly interested in what they have to offer so they’re generally a lot more lenient with their requirements.
Can You Manage Your Account Online?
Sign up for your Angel Account Center at www.VSAngelCard.com and you’ll have online access 24/7 to your Angel Card account management portal.
Here you’ll be able to:
Make your monthly payments
View your statements and current/past transactions
Check your credit card balance
Update your personal information
Add authorized buyers
Send secure messages to Customer Care if you need help
At the top of the navigation bar, you’ll see a link that says Register for Access.
Fill out your Victoria’s Secret Angel Credit Card account number, zip code, and the last four digits of your social security number to register and activate your Angel Card.
You’ll also need to verify your identity by entering either your:
- full social security number
- social insurance number
- or alternate form of identification
Make sure all this info matches what you used on the application form for your card. When you’re done, hit the pink Find My Account button.
After your account’s located, create a username and password, add your email address and phone number, and access to your Angel Card dashboard will be granted.
How Long Does it Take to Get Your Victoria’s Secret Credit Card?
How Do You Check the Status of Your Victoria’s Secret Credit Card Application?
You may have to wait up to 30 days if additional information is needed to approve your application.
What are My Payment Options for the Angel Credit Card?
You have four options for paying your monthly Angel Credit Card bill:
PS: It could take up to two days for your payment to leave your bank account and transfer to your Angel Card account so make sure you give yourself enough time to avoid being late (and facing a hefty late fee).
What is the Minimum Payment?
Your Angel Card minimum payment is the amount you must pay each billing period to avoid a late fee.
Your minimum payment will never be less than $27. If you have less than $27 charged on your account, your minimum payment will be your entire statement balance.
You can learn how your minimum payment is calculated according to your credit plan by reading the financial terms of your Victoria’s Secret Angel Card account.
Can I Pay My Victoria’s Secret Credit Card With Paypal?
What are the Late Payment Repercussions?
Being habitually late will cost you even more. The late fee jumps to $37 if it’s your second late payment (or third, or fourth…) within the last six months. Yikes!
What are the Benefits of Having a Victoria’s Secret Credit Card?
Being an Angel Card holder gives you access to exclusive perks and offers regular shoppers don’t even know exist.
Here are five major reasons to apply for a Victoria’s Secret credit card:
You Receive a Birthday/Anniversary Gift (woo!)
You can use this credit anytime without limitations or combined offer restrictions. Happy birthday to you!
Forever Angel cardholders will also receive a Thank You gift on their anniversary as Victoria’s way of showing appreciation for their top tier members.
Free Shipping On Bra Purchases
Earn Special Rewards Just for Shopping with VS and PINK
So if you buy one $50 bra, for example, you’ll be raking in 150 points. Add a few pairs of undies ($40) and a sweet pair of workout leggings ($60) and you’ll bank another 100 points for a grand total of 250 in a single transaction.
Then you’ll reach the magic threshold.
When your account hits 250 points:
- Angel and Angel VIP cardholders receive a $10 Angel Reward credit
- Angel Forever cardholders receive a $15 Angel Reward credit
The best news?
There’s no cap to how many points you can earn during a billing cycle or during the year so you have unlimited opportunities to hit the 250-point mark. So if you earn 500 points during the month, you’ll receive two rewards!
On top of that, VS cardholders can pile on the points during special “triple-points days” where you’ll earn three points for every dollar you spend.
The number of triple-points days you have every year depends on your membership status:
- Angel: 1 day
- Angel VIP: 2 days
- Forever Angel: 3 days
How do these triple-point days work?
Unlike sales and specials that run on the company’s schedule, cardholders are allowed to pick the dates they want to designate as triple-points days after they make their purchase.
Here’s the catch: Your triple points won’t be automatically added to your account unless you call 1-844-3XANGEL (1-844-392-6435) within 90 days after your purchase to specifically call out that shopping transaction as one of your triple-points days.
Additionally, if you pay your Victoria’s Secret credit card bill at any VS or PINK store—and you also make a purchase during that time with your card—you’ll earn double points on merchandise (excluding bras). You can only earn this perk once a month, for a maximum limit of 1,000 points.
With all these opportunities for earning points, your Angel rewards are sure to stack up. Once you’ve earned a reward, it will be mailed to your home three to six weeks later. Then you can apply it towards your next purchase.
Beware: Your Angel Rewards expire after 90 days so you need to use them fairly soon.
Still, when you crunch the numbers, you’ll see that the Angel Card may be better than a cash back reward card if you’re a VS addict.
When you earn $10 per 250 points, you’re actually earning four points for every dollar you spend; Angel Forever members earn six points per dollar they spend because they receive $15 for spending the same amount.
As Leah Norris points out for Credit Donkey, this is no minor perk. “Most rewards cards have reward and/or cash back rates in the neighborhood of 1–2%.”
Gain Access to Special Deals and Invitations to Exclusive Events
Plus, one Hip2Save reader and card-carrying member of the Angel club says you’ll also snag “about 50 coupons per year for FREE panties!”
Who could pass all that up?
No Annual Fee
Though these five perks of having an Angel Card sound amazeballs, there are three big downsides to having one as well.
The Drawbacks of Having a Victoria’s Secret Credit Card
If you can manage or get past these cons, maybe the good of an Angel Card will outweigh the bad for you. But you should still know what you’re getting into.
You Can Only Use it at VS and Bath & Body Works Stores
You Angel Card can only be used to make purchases at Victoria’s Secret and PINK stores. You can also use it to shop online or via the VS catalog.
While you can use your Victoria’s Secret credit card at Bath & Body Works stores, you don’t earn any points for the money you spend there. Plus, you can’t use your Angel Card on the Bath & Body Works website so you have to schlep those heavy lotions and candles instead of having them shipped to your door.
High APR Compared to Other Credit Cards
As we discussed way back in section 3, the annual percentage rate (or APR) for the Victoria’s Secret credit card sits high at 25.49%.
To give you an indication of what that means in terms of other credit cards, consider these averages:
Why does this matter so much?
If you spend enough to earn a bonus reward, you’ll need to pay off that purchase before you start accumulating interest at this crazy high rate. If you wind up paying more than $10–$15 in interest fees, your reward is basically a wash.
Your Points Expire in 12 Months & Your Angel Rewards are Only Good for 90 Days
You snooze, you lose when it comes to your points and your rewards with the Victoria’s Secret credit card.
Though you have the option to earn an unlimited amount of points during the program year, these points do not rollover to the next year. So you’ll probably wind up spending more at the end of the year to meet your 250-point threshold, or you’ll risk losing all the points you earned during the previous months.
Those expire if you don’t use them within 90 days of earning them.
As you can probably tell by now, these rewards work a lot more like coupons that expire than actual gifts or rewards. But hey, if you make frequent purchases or visits to the VS brand stores, this won’t keep you up at night at all.
What are the Customer Reviews Like for the Victoria’s Secret Credit Card?
Customers gave the Victoria’s Secret Angel credit card an average of 3.7 stars out of 5 on Credit Karma’s review portal:
The overall customer experience seems to be positive as 5- and 4-star reviews account for 67% of the total reviews; only 28% of the reviews are 1- or 2- star ratings.
And when ranking other factors like Customer Service and the application process, customers seemed more than happy and rated Victoria’s Secret Angel Card with almost perfect scores:
Customers like that you can qualify for an Angel credit card with little or no credit. When used responsibly, the Victoria’s Secret credit card can help you build or repair your credit and eventually lead to higher credit limits.
Check out these positive reviews about the Victoria’s Secret Angel Card:
Now for the negatives:
Reviewers frequently complained about the high interest rate and the expensive late fees.
Moral of the story?
If you don’t have enough to pay off your balance before you start accruing high-interest charges on your account, don’t charge that much when you’re shopping. And definitely don’t make your payment late or your wallet (and credit) will suffer.
Try to set alarms on your phone’s calendar to pay your Angel Card bill earlier than the due date so you’re never late. Pay your bill within your grace period and that gigantic APR won’t mean a thing.
FAQs About the Victoria’s Secret Angel Credit Card
Though you may feel as though you know everything about the Angel Card from application to rewards, you may also be wondering about a few specifics we haven’t touched on.
Check these frequently asked questions about the this credit card and enlighten yourself:
What can I use my Victoria’s Secret credit card for?
Use your Victoria’s Secret Angel credit card when you make purchases at Victoria’s Secret and PINK stores, online at www.VictoriasSecret.com, or via telephone when ordering from a VS catalog.
Your Angel card works just like a regular credit card (i.e., you don’t need cash up front, but you’ll need to make a minimum payment—including interest charges—every month until you pay your balance off.).
When you use your card, you rack up rewards points for every dollar you spend. You can then use these Angel Rewards (discounts) for your future purchase.
How can I redeem my points?
When you’ve earned 250 points, you’ll receive an Angel Reward worth $10 if you’re an Angel or Angel VIP cardholder and $15 if you’re an Angel Forever.
This reward will be mailed to your home three to six weeks after you hit this mark.
Bring your Angel Reward to any VS or PINK store to use it for your purchase.
If you want to make a purchase online (or over the phone), you’ll be asked if you have any offer codes you’d like to use (heck yes!). When prompted, just enter your offer code, certificate number, and your certificate value for redemption.
Big boo: You can’t redeem your points at Bath & Body Works.
Can the card be used to make purchases on the Victoria’s Secret website?
Absolutely—this isn’t the 80s, people! You can use your Angel Card to pay for your shopping bag of goodies on the Victoria’s Secret website (www.VictoriasSecret.com) 24/7.
Where and what stores can I use my credit card at?
You can use your credit card at any Victoria’s Secret or PINK store. You can also use your card to make purchases online at the Victoria’s Secret website (www.VictoriasSecret.com) or via telephone to order from their catalog.
Additionally, you can use your card for purchases at Bath & Body Works stores. You cannot use it to make online purchases at B&BW though.
How long does it take Victoria’s Secret to refund your credit card?
The website says it may take up to two weeks to process a return, but they’ll send you a confirmation email when the deal’s done on their end.
After that, it could take 3–5 business days for your refund to post to your account. And it may take 1–2 billing cycles for the return and refund to show up on your Angel Card statement.
How can I check my credit card balance?
Easy peasy—once you register your Angel Card online at www.VSAngelCard.com and create an account, you’ll be able to view your credit card balance, statements, and pay your bill from any smartphone, tablet, or computer anytime day or night.
How do I withdraw money from Victoria’s Secret credit card? Can cash be withdrawn from the card using an ATM?
Unlike credit cards with a cash advance option, you can only use your Angel credit card online, over the phone, and in-store for a merchandise purchase. You cannot take cash out at an ATM using your Angel Card.
Can I pay for the balance on my credit card with debit card?
You cannot pay your Angel Card bill online in the Account Center with a debit or credit card. You’ll need your full checking account and bank routing numbers, which are not the same number as what’s on the front of your debit card.
However, if you want to pay by phone, you can call 1-800-695-9478 (TDD/TTY: 1-800-695-1788) to make a payment using your debit card.
Debit cards can also be used to make your Angel Card payment in-store.
Can I use my card without having it physically at the store?
Don’t have your Angel Card on you when your friends decide to make an impromptu visit to the mall? No problem!
You don’t need your Victoria’s Secret credit card in your wallet to charge a purchase to your account. Just ask the associate at the register to look up your Angel Card account number for you. You’ll need to provide the last 4 digits of your social security number for ID purposes.
How do you add an authorized user to your Angel card?
You can add one Authorized Buyer to your account when you register your card online and sign up for a mobile Account Center login. When your account has been established, you’ll be able to add up to four total authorized buyers to your card.
This buyer can make purchases using your Angel Card (and help you rack up more points!). However, you’re still responsible for making payments as the primary account holder.
Designate each authorized buyer (or remove them) by signing in to your Account Center's My Profile page and selecting the authorized buyers section.
Can I upgrade the Angel card?
Your Victoria’s Secret Angel credit card will automatically upgrade depending on how many points you accumulate during a continuous 12-month period (February 1–January 31).
Earn 500 points on your Angel Card during this time and you’ll be upgraded to Angel VIP status. Bank 1,000 points and you’ll be Angel Forever level.
FYI: Your account must be in good standing before you’re eligible for an upgrade.
Can I use the card for cashback?
Your Angel Rewards cannot be redeemed for cash, applied to previous purchases, or credited to your statement balance. They can only be used towards a purchase you make at Victoria’s Secret or PINK stores, online at www.VictoriasSecret.com, and over the phone.
When you receive your Angel Rewards in the mail, you’ll redeem them during the checkout process. You can add multiple Angel Rewards when making a purchase in-store or over the phone, and up to three Angel Rewards per online transaction, as long as the offer codes are different.
These are one-time rewards so you can toss them after you receive your discounts.
PS: Your Angel Rewards expire after 90 days so don’t forget about them!
I just received my card, can I use it right away?
You can use your Angel Card for purchases as soon you rip open the envelope at the mailbox and activate your card with Victoria’s Secret headquarters.
Just call the Customer Care line at 1-800-695-9478, or register your card online atVictoria’s Secret Account Center.
How do you contact the customer service?
You can contact Customer Care for Victoria’s Secret Angel credit card by:
1-800-695-9478 (TDD/TTY 1-800-695-1788)
- Automated Customer Care is available 24/7; 365 days a year (including holidays)
- Live Customer Care is available Monday–Saturday from 8AM–9PM ET (hours vary for holidays)
PO Box 182273
Columbus, OH 43218-2273
Online Secure Message Center:
When you sign up for online account access, you’ll be able to send a secure message and receive an answer for your question/concern ASAP.
A representative from the Live Chat feature on the Victoria’s Secret website may be able to assist you with basic questions or concerns, but they’re not dedicated to handling Angel Card questions so try the Customer Care line and the online secure message center first.
How do I register my card online?
To activate your credit card, visit www.VSAngelCard.com and click the link that says Register for Access. You’ll provide your Angel Card account number, zip code, last 4 digits of your social security number, and one other piece of identification.
Check out section 5.3 if you need a quick walkthrough for registering your Angel Card and creating your online account.
How often can I get cashback from Victoria’s Secret credit card?
You’ll receive an Angel Reward as soon as you accumulate 250 points on your Angel Card. Since there’s no cap to how many points you can earn during the month or year, your cash back rewards are totally dependent on your spending habits.
Rack up more points, earn more rewards. Pretty simple.
How can I pay for my balance online?
Pay your Angel card online at www.VSAngelCard.com.
Log in to your account where you’ll be able to view your statement balance and the minimum payment you owe. You can only use a personal checking account when you pay online so be sure to have your bank account and routing number handy to complete the payment process.
How can I change my information on my Victoria’s Secret credit card?
You can update your personal and contact information online by logging into your Account Center (www.VSAngelCard.com). However, certain information cannot be changed online as a matter of protecting your account security and privacy.
For these updates, you’ll need to send Customer Care a message via the online Secure Message Center or contact Customer Care directly (1-800-695-9478 / TDD/TTY: 1-800-695-1788) to make the changes over the phone.
How can I increase the credit limit on my credit card?
You may be able to request a higher credit limit from Customer Care if your account is in good standing.
Call Customer Care (1-800-695-9478 / TDD/TTY: 1-800-695-1788) or submit a request via the Secure Message Center in your online Account Center to find out how much you could be approved for.
How do I report if my card is stolen?
If this unfortunate situation happens, contact Angel Card Customer Care as soon as you discover your credit card’s gone missing or suspect it’s been stolen (1-800-695-9478 / TDD/TTY: 1-800-695-1788). They’ll give you all the details about how to replace your card.
An online Live Chat associate will not be able to help you deal with a lost or stolen Angel credit card.
You won’t lose your points if your Angel Card is stolen, lost, or damaged. But you also won’t earn any points until you receive your replacement card and activate that.
How can I cancel my Victoria’s Secret credit card?
Keeping an established line of credit in good standing helps improve your credit score so always think twice before you cancel your Angel Card. Since it doesn’t have an annual fee, it costs nothing to keep open.
If you’re dead set on canceling your Angel Card, just keep in mind that you’ll still need to pay off your balance before your account is totally dunzo.
Contact Angel Customer Care (1-800-695-9478 / TDD/TTY: 1-800-695-1788) and they’ll walk you through the step-by-step process to verify your identity. After they figure out you’re the real deal, they’ll deactivate your account and you can take a pair of scissors to your card.
Can someone co-sign for the credit card?
You’re all alone on this one, kid. Co-signers are not allowed on your account.
Can I use my card overseas/abroad? If yes, what are the related fees?
You cannot use your Angel Credit Card outside of the United States.
Which credit bureaus does Victoria’s Secret credit card report to?
Comenity Bank, the issuer of the this card, will report your borrowing activity to all three credit bureaus (Equifax, Experian, and TransUnion). This means negative marks on your account (like late fees) will start to affect your overall credit score so be extra careful.
On the bright side, display positive creditworthiness and your credit score will shine.
What are the security features of the Angel card?
All your personal information stored in your online Account Center—including your Victoria's Secret Angel Credit Card Account number, Social Security number, name, address, phone number, and email address— is encrypted for your security.
You’ll also receive email alerts if changes are made to your online profile or account settings (such as a request to change your password) to monitor for suspicious activity.
If the card is lost or stolen, will purchases made using the card be refunded and if so, what is the procedure?
The Victoria’s Secret Angel Credit Card offers Zero Liability Protection to cover you in case there are unauthorized transactions charged on your account.
If your card’s in the wrong hands, call Customer Care immediately at 1-800-695-9478 (TDD/TTY: 1-800-695-1788) so they can help protect your account, deactivate your card, and start the refund process. Check section 11.5 for more info about this procedure.
12. So Is the Victoria’s Secret Angel Credit Card Worth It?
If you’re not a regular Victoria’s Secret shopper, you’ll probably have better luck with a traditional rewards card that gives you more options for earning and spending points. Plus, you’ll have a much lower interest rate.
The ideal Victoria’s Secret Angel Credit Cardholder makes more than a few purchases during the year, never spends more than they can pay off each month (thus avoiding the crazy high interest fees), and takes advantage of the discounts offered at times when they’ll also receive the highest points per dollar.
When you’re game for everything pink, sexy, and girly, the Angel Card boasts reward returns sure to make you smile.