Review of the Victoria’s Secret Angel Card
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The Victoria’s Secret Angel Card provides some strong benefits and high rewards for Victoria’s Secret shoppers who spend a significant amount of money on their lingerie. Just watch out for its high APR; you won’t want to carry a balance on the card, or it may become more of a curse than a blessing.
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Are you spending an ungodly amount of money on underwear? Looking for ways to save a bit of cash or get more bang for your buck?
Devotees of Victoria’s Secret might love the Victoria’s Secret Angel Card, which provides ample rewards and perks for cardholders.
It provides 3X points per dollar for bra purchases from Victoria’s Secret, and 1X point for all other Victoria’s Secret purchases. You’ll also get to choose triple point days each year, and once per month you can get double points on a purchase when making a card payment in-store (bra purchases don’t get double or triple points, though).
This card is available at three different tiers, depending on how many points you earn in a 12-month period:
|Card||12-Month Point Requirement|
The more you spend with Victoria’s Secret, the higher your status level. Higher status comes with better rewards and benefits, with a pretty significant boost in your earnings potential.
Angel and Angel VIP cardholders earn a 12% cash back equivalent on bra purchases at the 3X rate, with 4% back on everything else. Angel Forever cardholders earn 50% more for their spending, with an 18% cash back equivalent on bras and 6% back on everything else.
There’s also the PINK Angel Card, which is just an alternate design you can choose. There are no differences in the rewards and benefits for the PINK card.
This card has no annual fee, and can only be used at Victoria’s Secret and Bath & Body Works. You won’t earn any points at Bath & Body Works, however.
The Angel Card has a very high APR, so you shouldn’t get it if you’re looking to pay for purchases over time by carrying a balance from month to month. If you do, the interest charges will likely cancel out any rewards or cost-saving benefits you get from the card. Instead, pay your statement balance in full each month to prevent interest from accruing.
You’ll get very good rewards and benefits, but there are some issues with other aspects of this card — particularly the customer support and payment processing. This card is issued by Comenity Bank, which does not have a great reputation.
If you like Victoria’s Secret, you probably don’t want to ruin your shopping experience by dealing with a card that has problems accepting payments and poor customer service. Although most cardholders probably never run into an issue, it would be a shame to stop shopping at one of your favorite stores because this card soured the experience. So if you use this card try to make your payments early, well ahead of the due date, to help avoid any potential issues.
It might be difficult to figure out all the reward and benefit details of the Victoria’s Secret Angel Card by browsing the Victoria’s Secret website or checking your card documentation. But we’ve got all the information you’re likely to need right here, like how to earn double or triple points on purchases. If your questions aren’t answered, feel free to leave a comment below or send us a message.
Our Rating: 3 Out of 5 Stars
We give the Victoria’s Secret Angel Card 3 out of 5 Stars, because although it can be very rewarding for frequent shoppers of this popular lingerie retailer, it loses some points for having poor customer service and many reports of problems with payment processing.
Why We Like It
- Triple points on bras
- Triple point days every year
- Birthday gift every year
- Free standard shipping on purchases that include bras
- Early access to sales
- Invitations to events throughout the year
- Relatively easy to get for people without great credit, like most store cards
Why It Could Be Better
- Poor payment processing system, with no autopay option (according to online reports)
- Poor customer support from Comenity Bank, the issuer
- Some cardholders report having their credit limits drastically reduced
You may get value from the Victoria’s Secret Angel Card if you shop there consistently every year, but otherwise you’d probably be better off with a general-use reward card. Check out some alternatives to this card below.
Insider Advice: Getting The Most Out of Your Card
- Use it for all your Victoria’s Secret shopping: You’ll earn 3X points on bras and 1X point on all other purchases from Victoria’s Secret, which will provide a nice return on your spending to help offset those high prices.
- Choose your triple point days: Each year you can choose one to three triple point days (depending on your status tier), during which you’ll earn 3X points on non-bra purchases.
- Earn double points by paying off the card in-store: Once per month you can earn double points on non-bra purchases, when making a credit card payment in-store at the time of purchase.
- Get free shipping on purchases that include bras: Use code JUST4ANGELS to get free standard 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.
- Sign up for marketing emails: Submit your email address to get a newsletter email from Victoria’s Secret that will let you access certain card benefits, and to receive special offers and discounts.
- Pick a design you love: When applying for this card you can select either the basic VS design (the default option) or the PINK Angel Card design. The only difference is in the card design, all the other card features are the same.
- Keep your Angel Reward points active: Your points will expire after 12 consecutive months of no card activity, so be sure to use your card at least once per year to keep your points active. But bear the following point in mind too…
- Keep your card open: Some former cardholders report having their accounts closed for inactivity, so you’ll want to use this card throughout the year to make sure it stays active. We recommend using your card at least once every six months to keep it open.
- Use reward gift cards before they expire: After accruing 250 points you’ll automatically get a Victoria’s Secret gift card in the mail: $10 for Angel and Angel VIP users, and $15 for Angel Forever. These gift cards are only valid for 90 days after they’re issued, so be sure to use them before then.
- Pay the full statement balance every month: You shouldn’t carry a balance from month to month on this card because interest will accrue at a very high APR. Pay your statement balance in full each month instead, which will let you avoid interest charges completely.
- Make payments early: Make your payments well ahead of your due date because many people have reported issues making payments, either from slow processing times or administrative errors. Consider paying off the card throughout the month as you make purchases, rather than waiting for your statement. Online payments must be made before 8 p.m. EST to be credited for that same day; after 8 p.m. EST, online payments will be credited for the next day (which could make your payment late).
- Read more if you have questions: Victoria’s Secret provides a few informational pages to help cardholders out: an FAQ Page and a Payments FAQ.
Where Can I Use the Victoria’s Secret Credit 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.com. And you will not earn any Angel Reward points for Bath & Body Works purchases.
If you go to Victoria’s Secret (and maybe Bath & Body Works) but forget your card, customer service can look up your account if you have a valid government-issued ID, letting you make purchases on your card.
How Do I Pay My Bill?
You can pay your credit card account bill online, in-store, or by phone.
If you pay online before 8 p.m. EST, you’ll be credited for paying on that same day; after 8 p.m. EST, you’ll be credited for paying the next day. The transaction may take up to two business days to complete, but you’ll be credited for paying according to the rules just described.
This means if your due date is today but you make an online payment after 8 p.m. EST, your payment will be late because it won’t be credited until tomorrow. And this will probably result in you being charged a late fee. This is an unfortunate situation, because if you’re trying to pay at the last minute but the website is having problems, you might end up late.
You can click here to make an online payment, after logging in to your account.
If you pay in-store, your payment will usually be posted to your account immediately, so this can be 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.
However, you’ll be charged a $9 fee when paying by phone! So you should obviously avoid this payment method if you can help it.
How Do I Upgrade to the Angel VIP and Angel Forever Cards?
There are three versions of this rewards card: Angel, Angel VIP, and Angel Forever. The VIP and Forever tiers come with enhanced benefits, as explained below.
|Card||12-Month Point Requirement|
You’ll automatically be upgraded to the Angel VIP or Angel Forever tiers after meeting the point requirement, as long as your account is open and in good standing. When you do, you’ll receive a new card in the mail along with a reward: $10 for VIP, and $15 for Forever. If you just got an unexpected Angel VIP or Angel Forever card in the mail, it’s probably because you reached the point threshold without realizing it.
Once you reach VIP or Forever status, you’re guaranteed to get at least VIP status going forward. You won’t be dropped down to the basic Angel status.
An upgrade to Forever status will last for the rest of the Program Year, and for the entire subsequent Program Year. A Program Year is defined as February 1st to January 31st.
After that period is over you’ll drop down to VIP status, unless you earned enough points to maintain Forever status.
The amount you’ll need to spend to upgrade your status will depend on the rate at which you earn points. Regular Victoria’s Secret purchases earn 1X point per dollar, while bra purchases earn 3X points (you can also get double point for paying in store, and you can choose triple point days every year).
To reach VIP status at 500 points, the most you’ll need to spend is $500, when earning 1X point per dollar. Or if you buy all bras, earning 3X points per dollar, you’d only need to spend $167 to earn 500 points. If you have a variety of spending you’ll be somewhere in between.
And to reach Forever status at 1,000 points, the most you’ll need to spend is $1,000, if you’re earning at the basic 1X rate. The minimum required spending, if you always earn 3X points, is $334.
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. You also run the risk of having your account closed altogether for inactivity.
How Do I Get the PINK Angel Card?
The PINK Angel Card is an alternative design for the Victoria’s Secret Angel Card. The only difference is the card design — there are no differences in the rewards, benefits, or terms.
You can express yourself with the PINK Angel Card by selecting it when applying for the Victoria’s Secret Angel Card, in-store or online.
At the first two membership tiers — Angel and Angel VIP — the Victoria’s Secret Angel Card provides a 12% cash back equivalent for bra purchases at Victoria’s Secret, with a 4% cash back equivalent for other purchases. Points are worth 4 cents each at these tiers.
At the highest membership tier — Angel Forever — this card provides an 18% cash back equivalent for bra purchases, with a 6% cash back equivalent for other purchases. Points are worth 6 cents each at these tiers.
|Introductory Bonus Offers|
Bra purchases from Victoria’s Secret earn 3X points per dollar, but you’ll only earn 1X point for other Victoria’s Secret purchases with this rewards program.
However, you’ll be eligible for double points if you make a credit card payment in-store at the time of purchase. This bonus points offer is only available once per month, and bra purchases are not eligible for double points.
For Angel and Angel VIP cardholders, each point is worth 4 cents. That means you’ll be getting a 4% cash back equivalent when earning at the 1X rate; an 8% cash back equivalent at the 2X rate; and a 12% cash back equivalent at the 3X rate.
For Angel Forever cardholders, each point is worth 6 cents. So at this level you’ll get a 6% cash back equivalent at the 1X rate; a 12% cash back equivalent at the 2X rate; and an 18% cash back equivalent at the 3X rate.
You’ll also be able to choose triple point days every year, when you’ll earn 3X points per dollar on non-bra purchases from Victoria’s Secret. You’ll only earn a maximum of 3X points on bras, not 9X.
Triple point days can be activated by calling 1-844-392-6435, and must be chosen within 90 days after the date of purchase.
Basic Angel members will get one triple point day per year; Angel VIP members will get two per year; and Angel Forever members will get three per year.
After being approved, you’ll get $15 off your first purchase with the Angel credit card. That future purchase can be either in-store or online. You’ll also receive a Little Book of Offers in the mail along with your card, containing total of $65 in savings at Victoria’s Secret stores.
The value of your Angel Reward points will depend on your tier status: Angel, Angel VIP, or Angel Forever. You’ll automatically receive a Victoria’s Secret reward gift card in the mail after reaching the 250-point threshold.
|Tier Status||Reward||Value per Point|
|Angel||$10 gift card per 250 points||4 cents|
|Angel VIP||$10 gift card per 250 points||4 cents|
|Angel Forever||$15 gift card per 250 points||6 cents|
For Angel and Angel VIP cardholders, your points are worth 4 cents each.
For Angel Forever cardholders, your points are worth 6 cents each. So your points will be worth 50% more once you reach Forever status, giving you a pretty strong incentive to upgrade if possible.
You should receive your reward gift card within three to six weeks of earning enough points. If you don’t receive your gift card, call 1-800-695-9478, or TDD/TTY 1-800-695-1788, from Monday to Saturday, and between 8 a.m. to 9 p.m. EST.
Take note that reward gift cards will expire 90 days after being issued, so you won’t have very long to use them.
You can redeem your gift cards during checkout in-store, by phone, or when shopping online at Victoria’s Secret:
- Navigate to the “OFFERS & PAYMENT” section of the checkout screen.
- In the Offer Code field, type in your Angel Reward number and press “Apply Offers.”
- When prompted, enter your Certificate Number and Amount to use the gift card.
Card Tiers & Benefits
Here’s a summary of the card benefits you’ll get at each status tier. There may be some additional perks for having this card as well, like mailed coupons and special offers. Take note that you must sign up for Victoria’s Secret’s email newsletter to get some of these offers.
The status requirements for each tier are explained above. And we go into more detail about a couple of these benefits below.
|Benefit||Angel Card||Angel VIP
|Triple points on all bra purchases||
|Choose your Triple Point Days||1 day||2 days||3 days|
|Rewards Gift Card each time you earn 250 points||$10||$10||$15|
|Free standard shipping on purchases that include bras||X||X||X|
|Insider access and invitations to events throughout the year||X||X|
|Annual thank you gift for maintaining status||X|
Triple Point Days
As an Angel cardholder you’ll get to choose triple point days every year, during which you’ll earn 3X points on non-bra purchases from Victoria’s Secret. Bra purchases, which already earn 3X points, are not eligible for triple points.
The number of triple point days you get per year depends on your tier status:
|Tier Status||Triple Point Days|
For triple point days, a year is defined as February 1st to January 31st.
You must call 1-844-392-6435 to select your triple point days.
Triple point days are selected after the fact, rather than before. You can choose any day from the past 90 days for triple points; if you don’t call within that time frame, that day’s purchases will no longer be eligible for triple points.
You’ll receive your triple points within three to six weeks after making your selection. Triple points can’t be combined with any other point-earning promotions.
Free Shipping on Purchases That Include Bras
You’ll get free standard shipping on Victoria’s Secret purchases that include eligible bras.
Use code JUST4ANGELS at checkout and pay with your Angel credit card to get free shipping.
This offer excludes clearance bras (price ending in $.99), prior purchases, and purchases with other shipping or bra offers.
The Terms & Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|24.99% Variable||Not Available||Not Available|
|Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|$0||Not Applicable||Not Applicable||Not Applicable|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||Up to $40||Up to $25|
We’ve received quite a few reports of people having trouble making payments to this card, either from issues with the payment processing system or administrative errors. Apparently there is no autopay feature with this and some other Comenity Bank cards, which is a major downside. (It’s 2021, Comenity! Get with the times!)
We recommend making your payments early with this card to allow for any delays — don’t wait until your due date is just around the corner. Consider making payments throughout the month after you make purchases, rather than waiting until your monthly statement arrives.
This is especially important with the Angel card because it has a very high APR, like most store cards. Be sure to pay your statement balance in full each month to prevent interest charges from being applied. If you don’t, the interest charges (also known as finance charges) can quickly negate any rewards you earn.
You can see your payment options for this card above. Take note that online payments made before 8 p.m. EST will be credited to your account that same day; but payments made after 8 p.m. EST will be credited to your account the next day. And phone payments will cost $9 each, so avoid them like the proverbial plague.
You can check the official terms and conditions for the Victoria’s Secret Angel Card here, on the application page.
|Comenity Bank Phone Support||1-800-695-9478|
Comenity Bank is the issuer of the Victoria’s Secret Angel Card, and it’s known for having a variety of issues itself. Most of the trouble centers on customer support and payment processing, although many cardholders report having their credit limits drastically reduced as well.
This doesn’t necessarily mean you have to avoid this card, but it does mean you should keep a careful eye on your monthly statements and payments. Be aware of the payment conditions mentioned in the section above, particularly the lack of autopay and the 8 p.m. cutoff for online payments. Take our advice and make your payments well ahead of the due date so you have time to correct any problems if they arise.
If you have to deal with customer support (and hopefully you don’t) try to get any important account information in writing. If a customer service agent tells you that a particular late fee was made in error or a charge will be refunded, try to get proof of your interaction.
The Bottom Line
Die-hard fans of Victoria’s Secret and its merchandise may appreciate the Victoria’s Secret Angel Card for its many rewards and benefits, and the high cash back equivalents you can get for purchases.
But unfortunately we’ve received a number of complaints about this card, especially concerning 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 ahead of the due date, to allow for processing delays and to give you time to sort out any errors. Consider paying off your purchases throughout the month, even before your statement is generated.
There are quite a few perks to go along with this card, like double points for paying in-store and triple point days every year, which are not advertised very strongly by Victoria’s Secret. Be sure to investigate your card carefully to get as much as you can out of it.
Although you’ll get great rewards at Victoria’s Secret — basic members get a 4% cash back equivalent on regular purchases, and 6% back on bras — many shoppers will probably be better off with a general-use reward card that could be used anywhere.
Remember that your Angel Reward points will expire after 12 months of no card activity, and reward gift cards will expire after 90 days. If you don’t use the card enough every year, you might find yourself chasing rewards that you’re never able to use. However, even if you’re not raking in tons of points, you may decide that the other benefits make this card worthwhile.
So, if you’re not a die-hard fan who visits the store every month or two, the Victoria’s Secret Angel Card may not be right for you. Consider some of our alternative card picks below — they aren’t as rewarding at Victoria’s Secret, but their rewards are easier to earn and use so they might be more valuable for you.
Applying for the Victoria’s Secret Angel Credit Card
To apply for this card, just click the Apply Now button below. You’ll be taken to Victoria’s Secret’s website to submit your information.
While applying you can choose your card design, either the basic VS Angel Card or the PINK Angel Card.
Most applicants will get an instant decision, either approved or denied. In some cases it may take longer to provide a response. If your application is denied you’ll receive an explanation why.
Qualifications and Requirements
- Must create a Victoria’s Secret online account
- Must be 18 to apply
- Personal identifying information: Birth date, Social Security number, and phone number
- Financial Information: Total household income and source of income, monthly mortgage/rent payment
Alternatives to the Victoria's Secret Credit Card
The following cards aren’t as rewarding as the Victoria’s Secret Angel Card for purchases from Victoria’s Secret, but you may find them more useful overall.
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Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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