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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.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
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= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our 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.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
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Rating image, 4.50 out of 5 stars.
4.50/5
Our 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.
= Best = Excellent = Good = Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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.
For what's essentially a one-company, two-retailer product, the Victoria's Secret Angel Card packs some punch. Here are the main perks.
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.
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.
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.
You get $15 off your first online purchase with the card. After you open the card, your discount offer arrives in your email.
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
While the Victoria's Secret Angel Card offers some generous perks for frequent shoppers, it also comes with some serious drawbacks.
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 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
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
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, 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.
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.
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:
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.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
The Motley Fool owns shares of and recommends Visa.