Everyone's favorite intimate apparel retailer has its own branded credit card. Known as the Angel Card, it carries a set of perks when used to buy Victoria's Secret merchandise. And, as with many store credit cards, its worth depends on how much of a Victoria's Secret devotee you are. Let's discuss the specifics in this Victoria's Secret Angel Card review so you can learn whether it's right for you.
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Capital One Venture Rewards Credit Card | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 75,000 Miles75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2X-5X milesEarn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. | Intro: Purchases: N/A Balance Transfers: N/A Regular:19.99% - 29.99% (Variable) |
Full Victoria's Secret Angel Card review
This credit card is a good fit for: Frequent Victoria's Secret shoppers who want to save a little money on their lingerie purchases and don't plan to carry a balance.
Top perks
For what's essentially a one-company, two-retailer product, the Victoria's Secret Angel Card packs some punch. Here are the main perks.
No annual fee
We at The Ascent are fond of no annual fee credit cards. This card doesn't charge an annual fee, so as long as you pay off your balance in full every month, it shouldn't cost you a penny.
Earn up to 3 points per $1 at Victoria's Secret
Frequent Victoria's Secret shoppers can quickly accumulate points using an Angel Card to buy merchandise. It earns credit card points for purchases made in the namesake store, plus sister brand PINK, and online shopping portal victoriassecret.com. The base rate is 1 point per $1 spent, but you get 3 points per $1 on bra purchases. For every 250 points you earn, you get a $10 reward. At the lowest end, that's the equivalent of 4% cash back, which is high.
Monthly and annual gifts
Active cardholders get a "Perk of the Month" and a birthday gift. If you achieve Silver or Gold status by earning enough points in a year, you also get a half-birthday gift and an anniversary gift.
Intro bonus
You get $15 off your first online purchase with the card. After you open the card, your discount offer arrives in your email.
Free shipping
This card gets you free shipping on orders of $50 or more. While free shipping on all orders would be better, this is a decent perk for a card with no annual fee. This only applies to orders shipped within the United States.
Read more: Best Sign-Up Bonus Credit Cards
What could be improved
While the Victoria's Secret Angel Card offers some generous perks for frequent shoppers, it also comes with some serious drawbacks.
High APR
It isn't unusual for store cards to have high APRs. This one is no exception. If you think you might carry a balance from time to time, this credit card APR isn't ideal.
Points and rewards expire
Points expire 12 months after a purchase. Additionally, Angel Rewards gift certificates expire 90 days after they're issued. These are pretty major cons, considering how many of the best rewards credit cards offer points and benefits that never expire.
Read more: Best Store Credit Cards
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Suggested credit score
The Victoria's Secret Angel Card is meant for people with a good credit score of at least 670. That gives you the best chance at getting approved for this card. That said, store credit cards are often a bit more lenient with approvals. If you have fair credit or a score slightly below 670, you might still qualify.
Learn more: Store Card vs. Traditional Credit Card: What’s the Difference
The Victoria's Secret Angel 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 credit cards 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.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
The credit limit for the Victoria's Secret Angel Card typically ranges from $250 to $2,500, although some cardholders have reported larger limits. Since this is a store credit card, credit limits tend to be on the low side.
You can use the Victoria's Secret Angel Card at:
- Victoria's Secret and PINK stores in the U.S.
- Victoria's Secret website and apps
- Bath and Body Works stores and website
You won't earn rewards points on Bath and Body Works purchases, however.
Yes, the Victoria's Secret Angel Card can build credit if you pay the bill on time. Card activity is reported to the three consumer credit bureaus, so it can help raise your credit score.
Our Credit Cards Expert
By:Elizabeth Aldrich
Elizabeth is a personal finance writer specializing in credit cards, debt repayment, and small business. Her work has appeared on The Motley Fool, MSN Money, Yahoo! Finance, and Business Insider. She’s an avid credit card points collector and perpetual traveler currently living in Costa Rica.
