BR
Bread Financial

Victoria's Secret Credit Card

Store Standard
$0 Annual Fee
29.99% Variable Purchase APR
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Victoria's Secret Credit Card

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.01¢ each
ExpirationPoints expire 12 months after the date they are earned.
CategoryRateTypeCap
Victoria's Secret & PINK Purchases
Earned on purchases made at Victoria's Secret and PINK stores, and at victoriassecret.com and pink.com when using the Victoria's Secret Credit Card.
2x Points No cap
All Other Purchases
Earned on purchases made everywhere else Mastercard is accepted, applicable only to Victoria's Secret Mastercard holders.
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
There is no annual fee charged for maintaining the Victoria's Secret Credit Card account.
Financial $0
Up to $0
Earn Rewards Points
Earn points on every dollar spent at Victoria's Secret and PINK stores and online. Points accumulate towards reward certificates that can be redeemed for discounts.
Rewards Varies by spend
Fraud Protection
Protection against unauthorized charges made on your account, ensuring you are not responsible for fraudulent activity.
Security Full protection
Zero Liability Protection
You are not held responsible for unauthorized charges made with your card or account information.
Security Full protection
Birthday Reward
Receive a special offer or discount during your birthday month as a cardholder.
Shopping Varies (e.g., percentage off or fixed dollar amount)
Card Anniversary Reward
Receive a special offer or discount to celebrate your card anniversary each year.
Shopping Varies
Exclusive Cardholder Promotions
Access to special discounts, promotions, and early sales events available only to Victoria's Secret Credit Cardholders.
Shopping Varies by promotion
First Purchase Discount
Receive a percentage discount on your first purchase made with the Victoria's Secret Credit Card upon approval.
Shopping Varies (e.g., 15-20% off)
Free Shipping Offers
Access to special promotions that include free standard shipping on eligible orders, often tied to VIP status or specific spending thresholds.
Shopping Varies by promotion/tier
VIP Tier Status Benefits
Achieve VIP status by meeting annual spending thresholds, unlocking enhanced benefits such as higher reward earning rates, more exclusive offers, or special gifts.
Shopping Enhanced benefits

Interest Rates

Purchase APR29.99% Variable
Min. Interest Charge$2
Deferred Interest Warning: Interest will be charged from the purchase date if the purchase balance is not paid in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Too many applications with Comenity in a short period, excessive returns, defaulting on other Comenity accounts, high credit utilization across Comenity cards.
International Friendly
May have limitations for international use.
Additional Issuer Rules
The primary welcome offer is a 20% discount on the first Victoria's Secret or PINK purchase made with the card. Comenity Bank (Bread Financial) does not typically enforce complex bonus eligibility rules like 'once-per-lifetime' or 'X/Y' restrictions for their store credit cards.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
0% APR on pre-service balances during active duty
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 29.99% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO580+
Card TypeStore
Online
Ask any doubts about cards.
Gemini 2.2 Ver