Victoria’s Secret Angel Card

For People with
Fair Credit



The Victoria’s Secret Angel Card is definitely a card to consider if you shop at Victoria’s Secret frequently.

Cardholders earn 3X points per dollar on bras, with 1X point per dollar for all other purchases. You’ll also get access to triple point days throughout the year, along with a once-a-month opportunity to earn double points on a purchase when making a card payment in-store.

There are three status tiers with this card, depending on how many points you earn in a 12-month period:

Card 12-Month Point Requirement
Angel None
Angel VIP 500
Angel Forever 1,000

You’ll get better benefits with higher status, including a boost to your earnings potential.

This card provides free standard shipping on purchases that include eligible bras.

The Victoria’s Secret Angel Card has no annual fee. When applying, you can choose the PINK Angel Card design instead of the standard VS Angel design. All the card features are the same, the only difference is the design.

You may want a different card instead

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

Cash Back Cards

Where can I use my Victoria’s Secret Angel Card?

The Victoria’s Secret Credit Card can only be used at:

  • All Victoria’s Secret and PINK stores in the United States
  • Bath & Body Works stores

Take note that although you can use this card at physical Bath & Body Works stores, you can’t use it BathAndBodyWorks.comAnd you will not earn any Angel Reward points for Bath & Body Works purchases.

Card Quick Facts

Card Quick Facts

  • Earn 3X points per dollar on bra purchases at Victoria’s Secret
  • Earn 1X point per dollar on all other Victoria’s Secret purchases
  • Special triple points days each month
  • Double points for making an in-store card payment while making a purchase (once per month)
  • Free standard shipping on purchases that include bras
  • Earn higher Angel status for more valuable rewards and benefits
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3X Angel Reward points per dollar on bra purchases at Victoria’s Secret
  • 2X Angel Reward points per dollar on non-bra purchases from Victoria’s Secret when making an in-store payment (only once per month)
  • 1X Angel Reward point per dollar on all other purchases from Victoria’s Secret

Introductory Bonus

  • $15 off your first Victoria's Secret purchase; Little Book of Offers, containing $65 in savings
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.24% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Raise Your Membership Status Tier

    This card is available at the Angel, Angel VIP, and Angel Forever tiers. Higher tiers come with better benefits. Learn more about these card benefits here.

  • Free Standard Shipping on Purchases That Include Bras

    Use code JUST4ANGELS at checkout and pay with your Angel credit card to get free shipping on purchases that include eligible bras. Clearance bras (price ending in $.99), prior purchases, and purchases with other shipping or bra offers are not eligible.

  • Triple Point Days

    Choose one to three triple point days per year, depending on your membership status. Bra purchases are not eligible for triple points.

  • Double Points for Paying In-Store

    Once per month, you can earn double points on a purchase if you make an in-store card payment at the time of purchase.

  • Birthday Gift

    You’ll receive a birthday gift every year, a bit before your birthday.

  • Insider Access and Event Invitations

    Angel VIP and Angel Forever cardholders get early access to sales and new products, along with invitations to special events.

  • Annual Thank You Gift

    Cardholders with Angel Forever status get an annual thank you gift for maintaining that status level.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 15 reviews
by Madison

DO NOT SIGN UP FOR THIS. I worked at Victoria’s Secret and this card is a SCAM! I opened a card for myself and you will get charged random charges and customer service will not help. Terrible company and they only care about dollar signs, not the people that are giving them the money!!

Horrible experience

Horrible experience!! They are not worthy to earn one star, but the system will not let me go through if I don't rate a star. Don't apply this card! If I had read these reviews I would not apply this card. It was a nightmare! All they want it to steal your money!! I canceled it! If you are using it, please check your account every day! Make sure they do not put a little amount in your account and then charge your late fees. I have had never countered this kind of terrible credit card company!!

by Kayla Williams

I wouldn't even give this one star. I applied for this card years ago. I made a couple purchases to build my credit and haven't used the card in over a year. I've been paying twice my monthly payment to get my balance lower and my credit limit was $1250. I logged into my account and saw that my new credit limit is now $500!! I called and they said when they report to the credit bureau they receive an update on the customers current status and will lower or decline the limit if they feel they are at risk. So what they're telling me is they don't even review if you've been a good customer and paid on time. They go by what the credit bureau reports. I've had my credit stolen amongst other things that have caused hell. The entire reason I got this card was to help my credit and keep my credit usage low. Now it looks like I've maxed out my card. I'm closing my account and will never shop at Victoria Secret again. This is unfair, deceiving, and a terrible way to treat valued customers.

by Ashley
Horrible terms and service!

Not even worth one star. This card is my nightmare come true! There customer service will not even help you or pass you to legitimate supervisors. They have a ridiculous once every 18 month late payment waiver. I haven’t been late since November 2017 (25mins past 5pm cut off) and they gave me faulty account information last month so I made a $24 and $0.72 was left on my account so they’re charging me almost $26 for $0.72!! They’re a card that is not worth it! I get more cash back from my other cards than the tiny “perks” of this card. Closing this card immediately!

by Mandy
Not worth the hassle

If you already shop there a lot anyway and you can remember to pay off your bill in full, the card is worth giving you perks for what you're already spending.The card as a very high interest rate (as do most "store cards") and the perks are mediocre. There is no way to auto-pay so if you miss a payment you will have huge fees and a negative mark on your credit. If you move between tiers (spend enough money) you're mailed a new card which you have to call to "activate" which is actually just listening to them read a prompt to sell you "insurance" for $3 a month which you can decline.The only person who should consider this card is someone who shop there all the time and doesn't mind that they don't have autopay, give you a very small credit limit (which is actually nice considering the other reviews about fraudulent activity) and mediocre rewards. TBH you should probably pass since they mail everybody coupons even if you don't have their card. Especially if you're just trying to build credit - skip this card and get a card that isn't associated with a specific store.

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