Victoria's Secret Credit Card
Basic Information
Program ID: victorias-secret-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:55
Last Scraped: 01/15/2026 10:28
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $50.00
Time Period: 30 days
Bonus Timing: Typically applied at the point of sale for the qualifying first purchase, or as a statement credit within 1-2 billing cycles after the requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Victoria's Secret & PINK purchases (standard earning is 2 points per $1, with promotional opportunities up to 5 points per $1)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after earning if not redeemed. Reward certificates typically expire 90 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Victoria's Secret Credit Card (issued by BreadFinance) in 2026 typically requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to BreadFinance's creditworthiness criteria, generally requiring fair to good credit. Bonus rules often include an initial discount on the first purchase made with the card, or a points bonus after meeting a specified spending threshold within Victoria's Secret stores or online. Specific bonus offers are promotional and subject to change annually. Store-specific restrictions apply, meaning the card is primarily for purchases at Victoria's Secret and PINK locations, and their respective online stores.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Late payments, defaulting on other credit accounts, high cumulative credit limit across multiple BreadFinance (Comenity) cards, suspected fraudulent activity, abuse of return policies, or excessive manufactured spending (though less common for store cards).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for building credit, exclusive discounts and rewards for Victoria's Secret purchases, special birthday offers.
Top Negative Feedback:
High APR, rewards are limited to Victoria's Secret, frequent complaints about Comenity Bank customer service, limited acceptance outside the store.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Store Card
- Capital One Platinum Secured Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: March 2024