Manage Your Victoria’s Secret Credit Card or Mastercard: Apply, Login and Payment Guide & Review

Are you a loyal customer of Victoria’s Secret? If that is true, you might be overlooking some remarkable benefits by not having a Victoria’s Secret credit card or Mastercard. Everything you need to know about the Victoria’s Secret credit card will be covered completely in this post, including account management tips, benefits and more for cardholders.

Victoria’s Secret credit card

The Victoria’s Secret credit card is one of the top store-branded credit card issued by Comenity Bank. You can use this card to make purchases of inner and outer clothing, such as push-up bras, underwear, sleepwear, tops, leggings, etc., as well as beauty products, accessories, perfumes, bags, shoes, and more from both Victoria’s secret & PINK stores and victoriassecret.com.

There is a little chance to accumulate savings because the card’s rewards are intended to increase your spending. This card offers special rewards, benefits, discounts, gift card for future purchases and exclusive promotions to its cardholders, is just one example of how many customers value the benefits of store credit cards.

Types of credit cards in Victoria’s Secret

There are four categories of credit cards offered at Victoria’s Secret, depending on your personal style wish and credit background. Those are:

1. Victoria Secret credit card.
2. Victoria Secret PINK credit card.
3. Victoria Secret Mastercard credit card.
4. Victoria Secret PINK Mastercard credit card.

The Victoria’s Secret and PINK credit cards are only accepted at Victoria’s Secret retail locations and on VictoriasSecret.com. Pink is the sister brand of Victoria’s Secret. Wherever Mastercard is accepted, you can use both the PINK and Victoria’s Secret Mastercard credit cards. All four card types are accepted and have the same benefits at Victoria’s Secret & Pink stores and official site. Your eligibility for the store-only card or Mastercard versions is ultimately decided by Comenity Bank based on your creditworthiness.

Victoria’s Secret Credit cards benefits

VS and PINK Members and credit card holders are eligible for a number of benefits, rewards, perks, and more when they use their credit cards to make purchases at VS and PINK stores as well as online. Two different tiers will provide the extra benefits for cardholders and members, respectively. These are listed below.

1. Silver.
2. Gold.

Basically, Members of the Victoria’s Secret credit card are automatically promoted to the Silver tier. VS and PINK memberships do not have a minimum spend, but silver and gold members must spend $300 and $750 annually, respectively, for those two tires.

You will receive the following benefits when you use a Victoria’s Secret credit card to make purchase at VS or PINK stores. Mastercard members receive all the VS & PINK Rewards benefits.

Benefits	Silver	Gold
For each 2,000 points, receive a $10 reward	✔️	✔️
You will get 10 points for every $1 spent (equal 5% cashback).	✔️	✔️
Receive 3x points for Bra’s purchases at VS & PINK.	30 points/$1	45 points/$1
Get reward for Birthday	$10	$15
Receive offer for Anniversary	15%	20%

The benefits listed below are yours when you use a Victoria’s Secret Mastercard to make purchase everywhere.

Benefits	Silver	Gold
Earn 4 points for every $1 spend services for dining, travel, and streaming.	✔️	✔️
Get 2 points for every $1 spend outside of VS & PINK, everywhere	✔️	✔️
Within 90 days of opening an account, you can receive a bonus reward when you spend $500 or more outside of VS & PINK.	$30	$30
Free Shipping	$50+ orders	$25+ orders
Get double the time Points per day	Two times per annually	Two times per annually
Choose your benefit	–	Once per year

Other Common Perks

• Save $25 when you use your credit card for the first time.
• There are no additional fees and there is no annual fee.
• zero fraud liability.

Drawbacks

• The primary disadvantage is that the rewards will be expired after ninety days.
• Limited options for redemption and low-value rewards.

Fee Details of Victoria’s Secret credit cards

Regular APR	35.99% (varied).
Purchase APR	26.49% (non-fixed).
Minimum Interest Charge	$2.
Late Payment Fee	$37.
Returned or Bounce Payment Fee	$25.
Statement Fee	$5.
Grace Period	25 days.
Recommended Credit Score	640+ (Fair Credit).

Eligibility Conditions to get Victoria’s Secret credit card and Mastercard

• People must be at least eighteen years of age.
• A valid proof of residence in the United States, a bank account number, and necessary contact & personal details must be submitted.
• You must have a valid SSN or ITIN.
• To prove your ability to repay, you must have a steady source of income.
• Having a good or fair credit score.
• No recent bankruptcies or significant credit issues should be present.
• Avoid applying for more than one card at once and try to pay off any outstanding debts.

How to create VS or PINK membership account?

Participation in the VS & PINK Rewards program requires you to create a Victoria’s Secret account or have an existing one, along with a completed Rewards member profile. When you apply for a Victoria’s Secret credit card and are accepted as a cardmember, you will automatically join the VS & PINK Rewards program, starting at the Silver tier.

• Visit the official website of Victoria’s Secret.
• Locate and select the “create an account” option.
• The page where you create an account will show up after you click on it.
• Complete the form with your name, mailing address, password, location, and phone number.
• Then, check and validate your information.
• Lastly, click “Submit” button and follow the instructions to complete the account creation procedure.

How do I apply for Victoria’s Secret credit card or Mastercard?

By applying for a Victoria’s Secret credit card in-store, you might get instant approval, as store associates can provide direct assistance to you throughout the process. If you intend to apply for the Victoria’s Secret credit card, go to the nearby store and inform a staff member. After that, with the store assistant’s guidance, fill out the application by providing your financial, personal, and other required data.

• Check out the official Victoria’s Secret homepage.
• Spot the “Sign in” option and click on it.
• After logging in your VS membership account, go to the “Credit Card” section.
• Before submitting an application, carefully review the terms and conditions.
• Find the “Apply Now” button and click on it.
• The application page will show up after you click the “Apply Now” button.
• Enter your name, birthdate, phone number, residential and mailing addresses, ZIP code, yearly income, Social Security number, and other details to finish the application.
• Before clicking “Submit” option, make sure your application is correct.
• After that, click “Submit” to complete the application.
• A bank representative will normally review your application within a few business days.
• If you fulfill the requirements, you will receive a confirmation email from the bank.

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How can I activate my Victoria’s Secret credit card or Mastercard?

• Access the official Victoria’s Secret site.
• Look for the “Sign in” button and click on it.
• After logging in your account, proceed to the “Primary Cardholder Information” section.
• Click the “Activate Card” option when you find it.
• It will direct you to the page for card activation.
• Enter your credit card number, expiration date, last four SSN digits, and ZIP or postal code on the activation form.
• Once your information has been verified, click “Submit“.
• Once the process is finished, your card will be activated almost immediately, allowing you to make purchases right away.

How to Login Victoria’s Secret Credit Card?

• Navigate to the official Victoria’s Secret online portal.
• Find out and click the “Sign in” button on the top right corner.
• On the assigned credentials, enter your email address and password.
• To access your VS account, select the “Secure Sign in” option.
• To log in and access your VS account, you can also use your Google or Facebook account.
• You can also use official “Victoria’s Secret MENA” mobile application to access your account.
• Once you have finished the login process, you are able to explore the features of your account, which include checking your balances, paying bills, viewing your transaction history, setting up auto-pay, configuring reminder alerts, enabling two-factor authentication, managing your settings, and much more.

Victoria’s Secret Credit Card Payment

Through Website

• After you have successfully logged in your account, look for and click the “Make Payment” option.
• Complete the payment page with the necessary information to start your Victoria’s Secret credit card payment.
• Verify that all the information you provided on the payment page is accurate.
• Finally, “Submit” or “Make Payment” option must be clicked in order to complete your payment.

Via Mobile banking

• Open the official Victoria’s Secret MENA mobile banking application.
• After inputting your username or user ID and password, click the “Sign in” button.
• Identify and press the “Make Payment” feature in your credit card account after logging in.
• Enter the required payment details on the payment page and confirm it.
• At last, you need to select “Submit” or “Make Payment” to complete the payment process.

At a Store

• Payments can be made during regular business hours at any Victoria’s Secret stores.

By Mail

• In order to pay your Victoria’s Secret credit card bill through the mail, you can write your credit card number on a check or money order and send it.
• Sending your payments through the mail is recommended at least five to seven days before the due date, as it takes longer for them to be delivered.
• The mailing address for payments is provided below.

Comenity Bank,
PO Box 182273,
Columbus, OH 43218-2273.

Using Phone call

• To settle your Victoria’s Secret credit card bill, simply dial 1-800-695-9478, provide your card number, the payment amount, and any other necessary details, then follow to the subsequent instructions.
• For those using the Victoria’s Secret Mastercard, please reach out to 1-844-271-2596 and present the necessary details to complete your payment.
• You can reach telephone officers from 8:00 am to 9:00 pm, Monday to Saturday.
• A fee of $9 is applicable for this payment method.

Victoria’s Secret credit card FAQS

Bottom Line

From the insights of users and my own assessment, The Victoria’s Secret credit card or Mastercard is the ultimate financial asset, with benefits, rewards, and safety features that are notably superior to other fashion store credit cards. Thank you for reading the full article. I trust you now have a better understanding of this card. Don’t hesitate to ask your doubts and share this article with those around you who might benefit from it.