The Victoria’s Secret Angel Card: A Credit Card Review

Brendan Harkness

Brendan Harkness | Reviews

Jul 06, 2015 | Updated Jul 05, 2017

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The Victoria’s Secret Angel Card can actually be one of four cards:

  • Angel Card
  • VIP Angel Card
  • Angel Forever Credit Card
  • the PINK Angel Card (design available only at PINK stores)

Where can I use it?

You can use any of the four versions at any Victoria’s Secret or PINK store in the United States. You can also use them at any Bath & Body Works stores, but you won’t earn Angel Rewards points for those purchases.

If you go to the store but forget your card, customer service can look up your account and you can still make purchases on it if you have a valid government-issued ID.

Victoria's Secret Angel Card
Apply Now

Victoria's Secret Angel Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 25.49% Variable
Quick Card Facts
  • Earn 3 points for every $1 spent on bra purchases at Victoria's Secret
  • Special triple points days each month
  • Free shipping and extra point days throughout the year
  • Earn higher Angel status for more valuable rewards and benefits
  • No annual fee

The Rewards

  • 3 points per dollar on bra purchases from Victoria’s Secret
  • 1 point per dollar on all other purchases from Victoria’s Secret
  • Special triple point days on all purchases each month (the number of days depends on your card tier)

The points you earn will automatically be redeemed for gift cards, according to your particular card tier status.

The higher your card tier, the more valuable your points will be and the more benefits you’ll get. You’ll need to spend a certain amount and earn a certain number of points each year to raise your status.

The card tiers and their requirements are:

  • Angel Card – No point requirement: $10 gift card per 250 points
  • Angel VIP Card – Requires 500 points per year: $10 gift card per 250 points
  • Angel Forever Card – Requires 1,000 points per year: $15 gift card per 250 points

So the points you earn will be redeemed for gift cards, and they will also raise your Angel status.

Card Tiers & Benefits

Benefit Angel Card Angel VIP

(500 points)

Angel Forever

(1,000 points)

Triple points on all bra purchases




Choose your Triple Point Days 1 day 2 days 3 days
Rewards Gift each time you earn 250 points $10 $10 $15
Birthday Gift $10 $10 $15
Anniversary Gift




Early access to Semi-Annual Sale



First to receive news about product updates X X X
Free standard shipping on purchases that include bras X X X
Triple points on purchases during events
throughout the year
Free beauty gifts throughout the year X X
Free standard shipping twice a year on
Spring and Fall collections
Annual Thank You Gift for maintaining status X
Participation in exclusive Angel Forever Panel X

Do I Need to Request the VIP Card, or Will It Come Automatically?

You’ll automatically earn the VIP and Forever upgrades once you reach the point threshold: 500 points for an Angel VIP card, and 1,000 points for an Angel Forever card. When you do, you’ll receive a new card and a reward, $10 for VIP and $15 for Forever status.

If you just got an Angel VIP or Angel Forever card in the mail, it’s probably because you reached the point threshold without realizing it.

Keep in mind that your points won’t last forever – if you go 12 consecutive months without making any purchases with the card, you’ll lose all of your accumulated points.

The Benefits

Regular customers of Victoria’s Secret will appreciate the plethora of special offers provided by these cards. They offer many opportunities for benefits, such as rewards for connecting with Victoria’s Secret via social media and for managing the account online (“Green Awards”).

Depending on the card level, members are also eligible for occasional sweepstakes promotions and are invited to exclusive in-store events. All cardholders get early access to the Semi-Annual Sale and receive a birthday gift each year.

VIP and Forever cardholders receive free gifts and/or free shipping at certain times of the year, and Forever members can participate in the exclusive Angel Forever Panel.

The Costs & Fees

Annual Fee Regular APR
$0 25.49% Variable
Late Fee Returned Payment Fee
Up to $37 Up to $25

Your billing cycle will always end on the 7th of the month, and your statement will be available the next day. There is a 25-day grace period for purchases, and you can avoid interest if you pay your balance in full BEFORE the due date.  For this card and other store credit cards, it’s very important to pay off your balance before it is due in case the processing time causes your payment to be submitted after the due date.

How You Can Pay

You can pay your bill online, in-store, by phone, or by mail.

If you pay online before 6PM, the balance will be updated that same day; after 6PM, the payment will be posted but the balance will not be updated until the next day.

If you pay in-store, your payment will be posted to your account immediately, so this is a good option if you need to pay your bill as quickly as possible. You will not see your balance updated for 24 to 48 hours, but you will be credited for having paid on that day.

If you pay by phone, it must be between Monday and Saturday, and between 8AM to 9PM EST. If you make a same-day payment with a representative, you may be charged a fee. The phone number to call is 1-800-695-9478.

If you pay by mail, it will take up to 7 business days for the payment to be credited to your account. You can use personal checks, bankers checks, travelers checks, or money orders. The address is:

Victoria’s Secret
PO Box 659728
San Antonio, TX 78265 – 9728

The Bottom Line

Die-hard fans of the brand and its products (or those partnered with die-hard fans of the brand and its products) will appreciate this card because of the many discounts and benefits. However, the card’s interest rate is high, the card can only be used at Victoria’s Secret stores or other approved outlets, and the card must be “active,” that is, have been used to make a purchase within the last 12 months, or the member will lose any accumulated points.

Unfortunately we’ve received a number of complaints about this card, especially concerning the customer service and the way payments are processed. If you use this card be sure to pay very close attention to your account and pay your bills several days ahead of the due date to allow for processing time.

So, if you’re not a die-hard fan, the card’s features may not benefit you and a general-use rewards card might be better for you. In fact, light users might not make enough purchases to accumulate many points, and might actually end up losing the accumulated points.

Applying for the Victoria’s Secret Angel Credit Card

Want to learn more or apply for this card? Just click the name below.

Victoria's Secret Angel Card
Apply Now

Victoria's Secret Angel Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 25.49% Variable
Quick Card Facts
  • Earn 3 points for every $1 spent on bra purchases at Victoria's Secret
  • Special triple points days each month
  • Free shipping and extra point days throughout the year
  • Earn higher Angel status for more valuable rewards and benefits
  • No annual fee

Was this review helpful to you? Go ahead and share it with a friend! And if you use the Victoria’s Secret Angel Credit Card, click here to leave a reviewwe’d love to hear from you!

Looking for a rewards credit card you can use anywhere?

Browse rewards credit cards on our partner’s site below.

Rewards Credit Cards

  • Earn rewards with your everyday spend, and get a little closer to your next vacation.
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  • Loyalty pays off — earn additional rewards when you use your card to book a qualifying trip with your favorite hotel or airline.
  • Enjoy additional travel perks like travel insurance, waived foreign transaction fees, and airport lounge access.
  • Terms vary by partner offer. Please see each bank’s application for terms and conditions.
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