How The Victoria’s Secret Credit Card Works: Benefits And Rewards
Thomas J. Catalano is a CFP and Registered Investment Adviser with the state of South Carolina. He is a CFP, registered investment advisor, and he owns his own financial advisory firm. Thomas’ experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.
Victoria’s Secret, a subsidiary of L Brands Inc. , has its own branded named the Victoria card. Here is a discussion of the card’s benefits, drawbacks, and the type of consumer for whom the credit card is best suited. Its chief competitors are cards from Gap and Lane Bryant.
How Do I Pay Someone Using Apple Pay
On your iPhone or iPad
What Can I Pay With Apple Pay
Use Apple Pay on the App Store to buy apps and games, or within apps to pay for a ride, a pizza delivery, or a new pair of sneakers with just a touch or a glance. You can also use Apple Pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Or for upgraded iCloud storage and other Apple services.
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Financial Flexibility And A Potentially Higher Credit Limit: Secured Mastercard From Capital One
Our Thoughts
The Secured Mastercard® from Capital One is another excellent option for rebuilding credit. While most secured cards only extend a credit limit equal to your initial deposit on the card, the Secured Mastercard® from Capital One offers a credit limit up to four times higher than your deposit. The card also comes with a $0 annual fee and a suite of online tools that can help you manage your account.
The one downside to this cardwhen compared to the Discover it® Secured Credit Cardis that it doesn’t earn any rewards points. The trade-off is that you may qualify for a credit limit higher than your security deposit. You’ll be required to make a $49, $99 or $200 refundable minimum security deposit. And youll need access to an authorized bank account to make your deposit.
Alliance Data Improves Customer Experience With Reissue Of Victoria’s Secret Credit Card Providing New Digital Payment Features And Added Security
— Now processed by Mastercard®, the private label program is the first of its kind from Alliance Data that can be provisioned to Apple Pay®, bolstering cardmember security and convenience through contactless mobile payments
— Enhanced Victoria’s Secret Credit Card offers cardmembers market-leading private label security features such as chip technology and security code
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Where Can Someone Get The Victoria’s Secret Credit Card
You can apply for the Victoria’s Secret Credit Card at;www.TheVictoriaCreditCard.com;and complete an application form online or apply in person at any Victoria’s Secret or PINK store. You’ll need to create or sign in to your VictoriasSecret.com account to begin your application for the Victoria’s Secret credit card program.
Which Is Better Chase Or Capital One
Capital One is a great choice for you if you value high interest rates and fee-free bank accounts, but dont mind limited branch accessibility. Chase, on the other hand, may be perfect for you if youre looking for banking perks like sign-up bonuses, branch accessibility and various account options.
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Where Can The Lane Bryant Card Be Used
As noted above, cardholders can only use the Lane Bryant Card at participating stores. This includes Lane Bryant or Cacique stores as well as any affiliated outlet stores. Alternatively, you can use the card online for purchases on the company’s website. Because this is a store credit card, you can’t use it at other retailers for everyday purchases.
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Victorias Secret Angel Credit Card Review
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*Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated Sep 17, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
Consumers who frequently shop at Victorias Secret and PINK stores can see benefit from the Victoria’s Secret Angel Card. This is a store card, so you can only use it at Victorias Secret and their family of stores, including PINK and Bath & Body Works though the latter wont earn you any rewards.
At a $0 annual fee, this card wont cost you anything to use it on lingerie, apparel, perfume and other eligible purchases, as long as you pay your bill on time and in full each month. Plus, you can benefit from perks like free shipping on purchases that include bras and a birthday gift.
In this review, well break down who should consider applying for the Victoria’s Secret Angel Card, the rewards associated with a card, and alternative cards for lingerie shopping.
What Stores Partner With Comenity Bank
With so many partnering stores, Comenity Bank offers a great variety of store credit cards, including online stores, clothing shops, furniture stores and more.
Below, you can find the list of retail credit cards that Comenity Bank is currently offering.
- AKC Visa Credit Card
- Brylane Home Platinum Credit Card
- Buckle Credit Card
- Burkes Outlet One Credit Card
- Good Sam Rewards Visa Credit Card
- Carters Credit Card
- Christmas Tree Shops andThat! Mastercard
- Christopher & Banks Credit Card
- Cost Plus World Market Mastercard
- Davids Bridal Credit Card
- Diamonds International Credit Card
- Drapers & Damons Credit Card
- DSW Visa
- El Dorado Furniture BLUCard Credit Card
- Express NEXT Credit Card
- Express NEXT A-List Credit Card
- Floor & Decor Credit Card
- Forever 21 Visa Credit Card
- FullBeauty Platinum Credit Card
- Gordons Jewelers Credit Card
- Grandin Road Credit Card
- Hot Topic Guest List Credit Card
- Houzz Credit Card
- LUCKY BRAND Rewards Credit Card
- Mayors Credit Card
- Pottery Barn Kids Credit Card
- RH Credit Card
- The Tile Shop Credit Card
- Torrid Insider Credit Card
- Woman Within Platinum Credit Card
- The Diamond Card
Note that this list only contains cards Comenity Bank is offering at the moment. Other cards might be still available to previous cardholders, but closed for new applications.
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The Credit Card Is Right For You If:
- You shop at Victoria’s Secret often
- You plan to pay off your balance in full every month
The Victoria’s Secret Angel Card, while it’s a beauty of a product inside the store, must compete with general-purpose rewards that generate points/cash back wherever they’re used.
The bottom line is that the Victoria’s Secret Angel Card is really only appropriate for people who buy from the retailer on at least a somewhat regular basis. The more frequently they do, the more savings and bonuses they’ll earn. Everyone else should consider other products for their credit needs.
Why Repair Your Credit W/credit Glory Vs Diy
Removing mistakes on your credit report helps boost your score, so you qualify for a better credit limit on a Victoria’s Secret Angel card. However, DIY credit repair is a headache . Partnering w/Credit Glory is often a simpler alternative. Why?
- Easier – Making a mistake disputing DIY costs you. Credit Glory helps you build a strong case for disputing inaccurate collections .
- Saves you money – An unsuccessful dispute leaves you stuck with debt . Credit Glory helps you boost your score â which means saving money on loans .
- Top-class customer support – Credit Glory has best-in-class customer service to answer questions and keep you updated. Credit Glory even offers an industry-leading 90-day, 100% money-back guarantee.
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Alternatives To The Lane Bryant Card
Like the Lane Bryant card, the Victoria’s Secret Angel Credit Card is store-only,;and can only be used at Victoria’s Secret family of stores. Purchases earn one point per dollar spent, with $10 vouchers awarded for every 250 points accumulated. This is increased to $15 per 250 points once a cardholder earns more than 1,000 points. New cardholders are rewarded with $15 off the first purchase made on the credit card. This card has an annual interest rate of 24.99%.
The Gap’s credit card comes in two versions: Store-only or with added Visa affiliation. This allows Gap cardholders with Visa to accrue bonus points anywhere Visa is accepted. New Gap cardholders receive a sign-up discount of 20%, followed by a point system. Purchases made at the Gap family of stores receive five;points per dollar spent, while purchases made elsewhere receive one point per dollar .
For standard customers, $5 reward vouchers are given for every 500 points accumulated. Frequent customers who reach Silver status also get an extra 20% bonus points per quarter. The interest rate for both cards is is 25.99%.
Victoria’s Secret Credit Card Benefits
Each card tier comes with more benefits, although they dont appear to be much different in comparison for an occasional shopper.
For instance, the difference between the first two levels and the Angel Forever status is $5 extra in rewards. You do however get an extra $5 on your birthday as well.
Most of the other incentives to move up in tier status are spending related, such as free shipping periodically throughout the year or choosing your triple points days.
You can enjoy all the same benefits, regardless of whether you receive a PINK Angel Card from a Pink Store or a Victoria’s Secret Angel Card from Victorias Secret.
Its up to you which one you want to apply for, as it really comes down to a name and appearance.
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Who It’s Best For
| Victoria Secret Opens in Yorkdale © Derek Hatfield via Flickr |
The Victoria’s Secret Angel Card is best for diehard Victoria’s Secret customers who don’t plan to carry a balance and who have an array of other credit cards in addition to the Angel Card. The card’s rewards program is very generous; take advantage by planning your Victoria’s Secret shopping sprees around the special sales. And make at least one purchase a year with the card or risk losing all your accumulated points. If you go only once a year as it is – or even less frequently – then you may want to leave the extra space in your wallet for another card. Our favorite card for the casual shopper who wants to earn rewards is the Chase Freedom Unlimited.
Message From Victoria’s Secret Angel Credit Card
You dont just save to accumulate wealth.;You save to accumulate experiences, memories and moments;that enrich your life and the lives of the people you love. Comenity Direct is here to help. From the moment you open an account, our tools and customer care team make managing your money a pleasure instead of a process. We strive, every day, to create a customer experience worthy of your business.Comenity has been helping people get more for their money since we introduced our first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with many of the most recognized and respected retailers in the world, and more than 50 million people carry our private label, co-brand and business credit cards in their wallets. From the start, the Comenity mission has been to understand whats most important to customers and develop innovative solutions that meet their needs. Its why our cardmembers are supported by care centers that have been recognized for excellence 15 consecutive timesa record for the financial services industry. Its also why Comenity Direct was created. Our high-yield savings products and CDs deliver highly competitive rates, a simplified banking experience and elevated customer care to give customers what they want and what they deserve.
It all starts here. Exclusive benefits when you use the Victoria’s Secret Credit Card.
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How To Apply For Victoria Secret Credit Card
- Visit the Victoria Secret credit card website.
- 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 DisclosureEditorial Disclaimer
How The Lane Bryant Credit Card Works: Benefits And Rewards
Thomas J. Catalano is a CFP and Registered Investment Adviser with the state of South Carolina. He is a CFP, registered investment advisor, and he owns his own financial advisory firm. Thomas’ experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning.
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Ikea Visa Credit Card
If you find yourself shopping at IKEA often, the IKEA Visa Credit Card may be worth considering.
The card offers 5% back in rewards dollars on U.S. IKEA store and IKEA.com purchases, Traemand installation and TaskRabbit assembly services, as well as 3% back on dining, grocery and utility purchases and 1% back on all other purchases.
The 3% rate in such popular spending categories outside of IKEA is a notable feature. Many store cards only reward you for spending in their respective stores, making it harder to reap the benefits.
On top of that, cardmembers get free delivery, auto rental protection and automatic enrollment in the IKEA Family loyalty program.
Victoria Secret Authorized Users
Working on my husbands credit. Biggest issue is a low Average Age of Account History. Credit specialist advised I add him on my Victoria Secret account because its a good long standing account. I called Comenity Bank/VS inquiring about adding him on my account as a joint user & they told me they don’t offer joint accounts and wouldn’t report the account on his credit if I added him as an authorized user. We have an old ;Eddie Bauer collection still reporting which is also Comenity bank. He was just an authorized user on that account and it says so on his credit report although It was long ago when I added him to that account so I don’t remember if i gave them his social or not. I’m confused. They seem to only report authorized users on certain accounts. If you have an Athorized User on your Victoria Secret Account: does the account report on their credit? And, if it is reporting, Does it report all of the history from the date account was opened or does it report from the date they were added on as an authorized user?? I would hate to add him onto the account just for it to show up as a newly opened account and then get the opposite desired effect. Thanks for any info.
I think the collection is a bigger issue than the AAoA. ;You should post in “Rebuilding” if you want advice on how to deal with collections.
FWIW, VS doesn’t currently ask for SSN for AU, so I’m not sure adding him would be of benefit.
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Well, darn them! ;Heheh.
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Where The Victoria’s Secret Angel Card Falls Short Among Store Cards
The Victoria’s Secret Angel Card has a high APR setback, a typical characteristic of store cards, with a APR. This APR can become a real issue if youre someone who carries a balance month to month. Therefore, we strongly recommend only charging purchases you can afford to pay off in full by your statement due date. Dont let the prospect of Angel Rewards lead you to overspend and rack up high interest charges.
Can You Increase Your Credit Limit W/a Victoria’s Secret Angel Card
Requesting a credit limit increase is one way you can help build your credit. If you have a Victoria’s Secret Angel card, you can request a credit limit increase. You may also automatically get an increase after 6-9 months. A higher credit limit has a lot of benefits, including:
- Lowers your credit utilization
- Better loan options
- Helps in emergencies
However, to increase your chances of qualifying for a credit limit increase, you need good credit. Looking to increase the line of credit, but your credit needs help? Don’t worry. You have options to start boosting your credit . The easiest way is by finding & disputing mistakes on your credit report.
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