If you shop at Victoria’s Secret, you may want to consider signing up for their Victoria’s Secret Angel Credit Card, which provides several valuable benefits.
Nuts and Bolts
The VS Angel Card has no annual fee and is offered through Comenity Bank. It has an annual percentage rate (APR) of 25.99%. Keep in mind that if you pay off your credit card statement balance in full by the payment due date every month, you’ll pay 0% interest, thanks to the credit card grace period.
It is unlike most rewards credit cards in that it only can be used at Victoria’s Secret, PINK, and Bath & Body Works stores. You can’t earn or redeem rewards at Bath & Body Works, though; I advise against using it there.
One perk of the VS Angel Card is you’ll receive $10 off as a birthday gift each year.
You’ll also get free shipping on purchases that include a bra, except those on clearance (with a price ending in .99). Note that they also have discounted bras that are lower than full price, but not considered clearance, and they’ll still trigger free shipping.
Each $1 you spend at Victoria’s Secret earns you 1 point, and 250 points gets you a reward, which is different depending on the tier you’re in. The exception is all bra purchases (including clearance and discount), which earn triple points.
There are three different tiers that depend on the number of points you accrue in a rolling 12-month period. The most basic and default tier is Angel. If you earn 500 points, you’ll move up to the VIP tier, and if you earn 1,000 points, you’ll enter the Forever Angel tier.
Once you upgrade from the VIP tier, you won’t be moved back down to the Angel tier. However, if you reach Forever Angel tier status, you’ll remain as such during the program year (February 1st to January 31st) during which the status was reached and one subsequent program year. Unless you earn 1,000 points in each following subsequent year, you’ll be downgraded to the VIP tier.
In the Angel and VIP tiers, for every $250 you spend, you’ll earn a $10 reward, which is effectively 4% back. Except since $1 spent on bra purchases earns 3 points, they earn you 12% back.
If you’re in the Forever tier, you’ll earn a $15 reward every 250 points, which is 6% back. Except since $1 spent on bra purchases earns 3 points, they earn you 18% back.
You can choose up to 3 triple points days per “program year,” which is from February 1st of each year to January 31st of the following year. Those in the Angel tier earn 1 selected day, the VIP tier earns 2 selected days, and the Forever Angel tier earns 3 selected days. But you must call 1.844.392.6435 to specify your choice of day(s) for triple points to apply within 90 days after the purchase(s); otherwise purchases that exclude a bra will not receive triple points. When calling in, be sure to provide the date the purchases posts to your card, which is later than the day you make the purchase.
You’ll lose any accumulated points if you don’t make any purchases for 12 consecutive months.
For full details, view the terms and conditions.