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Victoria's Secret Angel Credit Card Review

Victoria's Secret Angel Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Shopping has been proven therapeutic to stress and depression-relieving. And for girls, this is a haven that we can't just live without. With Victoria's Secret releasing new designs by the day, our thirst for that sexy wear has to be quenched. This card could not have come at a better moment! For regular shoppers, this is your secret weapon in disguise. Get some perks of being part of the Angels' team earning points in your card with every single expense you make.

Victoria's Secret Angel credit card is one of the 3 versions offered by VS. This is the regular card that is the best position to start from, especially if you are not a frequent shopper here. If you do increase your visits, points earned in the card might warrant an upgrade to the Angel VIP or the Angel Forever option.

Victoria's Secret Angel Credit Card Details

CARD DESCRIPTION:

  • Earn a reward every time you earn 250 points.12
  • Earning is easy - with every $1 you spend you earn a point.12
  • Free Shipping on purchases that include bras.12
  • Exclusive rewards for shopping.12
  • Birthday gift just because we love you.12

AVAILABLE REWARDS

Max. Rewards: 1 Point12
Sign-up Bonus: No

RATES & FEES

Purchase Intro APR: n/a12
Purchase Regular APR: 25.24%12
Cash Advance Fee: n/a12
Cash Advance Regular APR: n/a12
Balance Transfer Intro APR: n/a12
Balance Transfer Regular APR: n/a12
Balance Transfer Fee: n/a12
Annual Fee: None12

Victoria's Secret Angel Credit Card Benefits

Shopping is always fun and has been made more fun with this card, in that with every dollar spent you earn a point. There is an exception for bras, which earns 2 points for every dollar.

So don't worry about your birthday and anniversary gift shopping, with the VS card, you get a 10 dollar gift card! The higher the tier the better the point earning is. With no annual fee to worry you, you will enjoy picking those bras from off the shelf.

Victoria's Secret Angel credit card is proof that you can earn from spending. How's that, with an accumulation of 250 points, you get a 10 or a 15 dollar gift card depending on the tier reward you fall under (lower and higher respectively). With 500 points you get bumped to a second reward tier automatically and with 1000 points to the third. For the lower and higher tiers, they are equal to a 4% and 6% reward rate. Additionally, these cards have a cash back rewards of 2% maximum. For a credit card, these rates are pretty impressive.

Victoria's Secret Angel Credit Card Drawbacks

Despite the high glorious pink glow that is the Victoria's Secret Angel credit card, there are some downfalls that come with it. For instance, this card can only be used in either PINK or VS stores. Outside of this, you will not earn points for purchases or services like spas and massages. Considering there are other cards that will earn you points regardless of where you spend, this is a huge setback. But if you're a regular, faithful client to the VS outlets especially during sales and free shipping breaks, then this might not affect you as much.

In addition to earning points only at VS and PINK, you also stand the risk of losing all your points should you not make a purchase with a 12-month time span. Once your card has been declared inactive, there is salvaging all the points you had earned previously.

If you are one who is strict on budgets, consider evaluating the interest rates on this card. it has an outstanding rate of 24.99%. A high rate as such might even result in negated rewards if a balance is carried forward. This is probably one of the worst disadvantages of the card.

Contact Information

TELEPHONE

Victoria's Secret Credit Card Customer Service: 1.800.411.5116

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