Victoria's Secret Credit Card

BreadFinance Pending

Back Apply Now

12

Benefits

3

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: victorias-secret-credit-card

Issuer: BreadFinance

Card Name: Victoria's Secret Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:55

Last Scraped: Feb 11, 2026 05:51

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Victoria's Secret & PINK Purchases (Mastercard) 2x Points Purchases made at Victoria's Secret and PINK stores, and at victoriassecret.com and pink.com using the Victoria's Secret Mastercard. No Cap
Victoria's Secret & PINK Purchases (Store Card) 1x Points Purchases made at Victoria's Secret and PINK stores, and at victoriassecret.com and pink.com using the Victoria's Secret Credit Card (store card). No Cap
All Other Purchases (Mastercard) 1x Points Purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Victoria's Secret & PINK purchases. Bonus points on select categories (e.g., bras) or during promotional events.

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after earning if not redeemed for a Reward Certificate. Reward Certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates may have minimum purchase requirements and restrictions on combining with other offers or using for certain items like gift cards.

Benefits & Protections (Detailed) 12 Total
PENDING
Lifestyle 4
Birthday Offer
Special offer

Receive a special offer during your birthday month each year.

Silver Status Half-Birthday Offer
Special offer

Silver Status cardmembers (spending $300-$749 in a program year) receive a special offer during their half-birthday month.

Silver Status Annual Anniversary Gift
Special gift

Silver Status cardmembers (spending $300-$749 in a program year) receive a special gift annually on their card anniversary.

Gold Status Priority Customer Service
Dedicated phone line

Gold Status cardmembers (spending $750+ in a program year) have access to a dedicated phone line for priority customer service.

Shopping 8
Accelerated Rewards Earning
2 points per $1

Earn 2 points for every $1 spent on Victoria's Secret and PINK purchases.

Free Standard Shipping
Free shipping on orders $50+

Cardmembers receive free standard shipping on orders of $50 or more.

Exclusive Cardmember Offers
Various offers

Access to special offers available only to Victoria's Secret Credit Cardmembers throughout the year.

Triple Points Days
3 points per $1 on select days

Opportunity to earn triple points on select purchases during designated promotional days.

Early Access to Sales
Early access

Gain early access to select sales events before the general public.

Rewards Redemption
$20 reward for 2,000 points

Receive a $20 reward for every 2,000 points accumulated.

Gold Status Free Shipping
Free shipping on all orders

Gold Status cardmembers (spending $750+ in a program year) receive free standard shipping on all orders, with no minimum purchase required.

Gold Status Bra Discount
$10 off a bra

Gold Status cardmembers (spending $750+ in a program year) receive $10 off a bra on their Gold Status anniversary.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Victoria's Secret Credit Card (issued by Bread Financial) typically requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. A fair to good credit score (generally 600+ FICO) is usually sufficient for approval. Application is available online or in-store, often with instant decisioning. Common bonus rules include an immediate discount on the first purchase (e.g., 20% off), an ongoing points program (e.g., 5 points per $1 spent at Victoria's Secret and PINK), annual birthday offers (e.g., $10-$15 off), and special financing promotions (e.g., 0% APR for 6-12 months on qualifying purchases). Approval is contingent on creditworthiness and existing credit exposure with Bread Financial.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for typical sign-up bonuses; if a spend-based bonus is offered, usually 30-90 days.

Shutdown Risk Triggers: High credit utilization across Bread Financial accounts, missed or late payments on any Bread Financial account, opening too many new credit accounts with Bread Financial in a short period, rapid accumulation of high cumulative credit limits across multiple Bread Financial cards, suspicious activity inconsistent with typical retail spending patterns, or significant derogatory marks on credit report (e.g., bankruptcy).

Cliff Effect Rules: The Victoria's Secret Credit Card typically does not have complex 'card family' rules or upgrade/downgrade paths that impact bonus eligibility for other cards. Each card is generally treated as a distinct product. While there may be different loyalty tiers based on annual spend, these are usually within the same card product and do not create 'cliff effects' with other card types or programs.

Special Events: Semi-Annual Sale (typically January and June), Black Friday/Cyber Monday promotions, seasonal sales (e.g., Spring, Summer, Fall collections), loyalty member exclusive early access or bonus points events, birthday offers, and special financing offers on large purchases.

Holiday Promos: Valentine's Day (February), Mother's Day (May), Memorial Day (May), Fourth of July (July), Labor Day (September), Halloween (October), Thanksgiving/Black Friday/Cyber Monday (November), and Christmas/New Year (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Exclusive discounts and rewards for Victoria's Secret purchases, relatively easy approval for brand loyalists, and special birthday offers.

Top Negative:
High APR, limited use outside Victoria's Secret, and occasional customer service issues with the issuer.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured Credit Card
  • Amazon Store Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023