Victoria's Secret Mastercard® Credit Card

BreadFinance Mastercard Pending

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16

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: victorias-secret-mastercard-credit-card

Issuer: BreadFinance

Card Name: Victoria's Secret Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 11, 2026 10:48

Last Scraped: Feb 11, 2026 10:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including certain fees. This is in compliance with the Military Lending Act.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Victoria's Secret & PINK Purchases 2x Points Purchases made at Victoria's Secret and PINK stores, including online at victoriassecret.com and pink.com. No Cap
All Other Purchases 1x Points Purchases made everywhere else Mastercard is accepted, outside of Victoria's Secret and PINK. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 16 Total
PENDING
Lifestyle 6
Insider Tier - Birthday Offer
Birthday offer

Cardholders in the Insider tier (0-249 points) receive a special offer during their birthday month.

All-Star Tier - Anniversary Reward
$10 anniversary reward

Cardholders in the All-Star tier (250-499 points) receive a $10 anniversary reward.

All-Star Tier - Half-Birthday Offer
Half-birthday offer

Cardholders in the All-Star tier (250-499 points) receive a special offer during their half-birthday month.

Icon Tier - Anniversary Reward
$15 anniversary reward

Cardholders in the Icon tier (500+ points) receive a $15 anniversary reward.

Icon Tier - Special Gift
Special gift

Cardholders in the Icon tier (500+ points) receive a special gift.

Icon Tier - Priority Customer Service
Priority customer service

Cardholders in the Icon tier (500+ points) receive priority access to customer service.

Shopping 10
Points Earning - Victoria's Secret & PINK
10 points per $1

Earn 10 points for every $1.00 spent on Net Eligible Purchases at Victoria's Secret & PINK stores and online.

Points Earning - Everywhere Else (Mastercard)
2 points per $1

Earn 2 points for every $1.00 spent on Net Eligible Purchases everywhere else Mastercard is accepted. This applies to Victoria's Secret Mastercard Credit Card and PINK Mastercard Credit Card only.

Reward Redemption
$10 Reward for 2,000 points

For every 2,000 points earned, Cardholders will receive a $10 Reward. Rewards expire 90 days from the date of issuance.

Insider Tier - Free Shipping ($50+ orders)
Free shipping on orders $50+

Cardholders in the Insider tier (0-249 points) receive free standard shipping on orders of $50 or more.

Insider Tier - Triple Points Days
Triple points on select days

Cardholders in the Insider tier (0-249 points) are eligible for special days where they can earn triple points on purchases.

Insider Tier - Exclusive Offers
Exclusive offers

Cardholders in the Insider tier (0-249 points) receive exclusive offers.

Insider Tier - Early Access to Sales
Early access to sales

Cardholders in the Insider tier (0-249 points) receive early access to sales events.

All-Star Tier - Free Shipping ($25+ orders)
Free shipping on orders $25+

Cardholders in the All-Star tier (250-499 points) receive free standard shipping on orders of $25 or more.

Icon Tier - Free Shipping (All Orders)
Free shipping on all orders

Cardholders in the Icon tier (500+ points) receive free standard shipping on all orders, with no minimum purchase required.

Icon Tier - Early Access to New Collections
Early access to new collections

Cardholders in the Icon tier (500+ points) receive early access to new product collections.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
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

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Projected 2026 Rules: Eligibility requires applicants to be 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 Bread Financial's credit underwriting standards, typically requiring good to excellent credit for the Mastercard version. Bonus Rule: New cardholders are projected to receive a discount on their first purchase (e.g., 20% off) or a statement credit (e.g., $25-$50) after spending a specified amount (e.g., $500) within the first 90 days. Ongoing rewards focus on points per dollar spent at Victoria's Secret and PINK, with a lower earning rate on all other Mastercard purchases. Cardholders may also unlock tiered benefits (e.g., Silver/Gold status) based on annual spending.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive returns, high cumulative credit limit across all Bread Financial accounts, sudden drastic changes in spending patterns, late payments, defaulting on other credit obligations, suspected fraudulent activity, account inactivity followed by large transactions.

Cliff Effect Rules: No complex card family rules or 'once-per-lifetime' bonus restrictions. The Victoria's Secret Mastercard is a distinct product from the basic Victoria's Secret Store Card, offering broader acceptance and potentially different reward structures. Upgrading from the store card to the Mastercard version typically requires a new application and credit pull. Rewards and benefits are specific to the card product held.

Special Events: Exclusive cardholder-only sales events, double/triple points days on specific categories or dates, early access to new collections, birthday rewards, annual spending tier upgrades (e.g., Silver to Gold status) with associated benefits.

Holiday Promos: Black Friday/Cyber Monday week, Valentine's Day, Mother's Day, Semi-Annual Sales (typically June/July and Dec/Jan), Christmas/New Year's shopping season, seasonal collection launches.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval for those with fair credit, exclusive discounts and promotions for Victoria's Secret shoppers, birthday rewards.

Top Negative:
High APR, poor customer service from Comenity Bank, tricky deferred interest promotions, limited rewards outside the store, frequent unsolicited credit limit increases.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Prime Rewards Visa Signature Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0