Victoria’s Secret Angel Credit Card Review


Verdict: If you shop at Victoria’s Secret often, you might like the perks of the Victoria’s Secret Angel Credit Card. The special offers are nice, but the reward points are even better because the gift card rewards equal out to about 4% cash back. However, this card has a very high percentage rate, so you will need to pay this credit card off each month.

Overview: This is a Store rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by World Financial Network National Bank. This card is intended for consumers, or “personal use” with a fair credit history. APR’s may vary among applicants, however the lowest standard APR is 22.80%.  More information on this card can be found at

How this card works: For each dollar you spend with your card, you will earn 1 Angel Reward point. Once you accumulate 250 angel reward points you will reach Angel V.I.P. status and will receive a $10 gift card. You will then get a $10 gift card for every 250 points you earn afterward. And, for the first six months, you will get special savings of over $100 when you open a Victoria’s Secret card.

Another benefit this card has to offer is that you will get exclusive mailings and discounts on Victoria’s Secret products and occasional free shipping and bonus points when you buy selected purchases, online or from their catalogue. As an added bonus, for each year your account is active, you will get an Angel Reward for your birthday.


      Get exclusive access to sensational savings (worth over $100) for six months when you open your Angel Card.
      Each dollar spent with your Angel credit card will equal one Angel Reward point. Qualify for Angel V.I.P. card** status and receive a $10 Angel Reward when you earn your first 250 points using your Angel Card. Then receive a $10 Angel Reward Card for every 250 points earned. Plus, receive periodic free shipping and handling on qualified catalogue or online purchases, exclusive discounts and bonus points.
      Receive Angel-only mailings and discounts on Victoria’s Secret merchandise.
      You’ll receive a special Birthday Angel Reward each year that your account is active.
      Register at today and receive 25 bonus points.


The grace period listed for the Victoria’s Secret Angel Credit Card is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or “personal use”.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Pros: Many special offers as listed above, with the reward points being the best because the gift card rewards equal out to about 4% cash back.

Cons: There is not an introductory APR for this card, so the lowest or standard rate of 22.80% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 13.8% to the U.S. prime rate.

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