Victoria’s Secret Mastercard Credit score Card overview
The Victoria’s Secret Mastercard Credit score Card comes with an honest earnings charge at Victoria’s Secret and Pink shops, and it additionally provides some bonus classes exterior the retailers. Nonetheless, the cardboard’s rewards are restricted to low-value redemptions, which make it a usually poor choice except you’re a particularly loyal Victoria’s Secret shopper. Card score*: ⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With Victoria’s Secret bank cards, it is vital to notice a distinction between the Victoria’s Secret Credit score Card and the Victoria’s Secret Mastercard Credit score Card. The Victoria’s Secret Credit score Card is a closed-loop card, which means you’ll be able to solely use the cardboard (and, thus, earn rewards) on purchases with Victoria’s Secret and Pink shops. In the meantime, the Victoria’s Secret Mastercard can be utilized to earn rewards anyplace Mastercard is accepted, which broadly broadens your capacity to gather factors to redeem for Victoria’s Secret or Pink purchases.
Because the Victoria’s Secret Mastercard is extra just like the playing cards we sometimes cowl at TPG, this would be the model of the cardboard mentioned on this overview.
The Victoria’s Secret Mastercard is issued by Comenity Financial institution and has no annual payment and a beneficial credit score rating of no less than 670. Let’s study extra concerning the card and see if it may very well be a great match for you.
The knowledge for the Victoria’s Secret Credit score Card and the Victoria’s Secret Mastercard Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Victoria’s Secret Mastercard Credit score Card professionals and cons
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Victoria’s Secret Mastercard Credit score Card welcome supply
The Victoria’s Secret Mastercard Credit score Card comes with a small welcome supply of as much as $55 in rewards that can be utilized towards purchases at Victoria’s Secret or Pink.
First, you’ll routinely obtain $25 off your first buy when you’re accepted for the cardboard. This is not a very profitable supply, as different retailer playing cards provide you with a percentage-based low cost that may be redeemed at the next worth should you make a bigger first buy in your card. With this selection supplied by the Victoria’s Secret Mastercard, you are strictly restricted to $25 off within the type of a single-use supply code.
Moreover, you’ll be able to earn a $30 reward by spending greater than $500 on purchases exterior of Victoria’s Secret and Pink shops along with your Victoria’s Secret Mastercard inside 90 days of account opening.
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Frankly, this is not notably precious both, but it surely may very well be price pursuing should you’re a frequent Victoria’s Secret or Pink shopper and will use the low cost. Plus, there is no motive to go away rewards on the desk should you select to get the cardboard.
Associated: The very best bank card welcome provides at present accessible
Victoria’s Secret Mastercard Credit score Card advantages
The Victoria’s Secret Mastercard Credit score Card comes with minimal advantages. Nonetheless, it routinely provides the next standing inside the Victoria’s Secret & Pink Rewards program.
As a cardholder, you will get the center tier of standing — Silver — routinely. You may attain this tier with out having the Victoria’s Secret Mastercard, however it’s essential to spend $300 in a program yr to get there.
With Silver standing, you will earn 20 factors per greenback spent with the cardboard at Victoria’s Secret and Pink, which is double the earnings charge for the essential rewards program member tier (10 factors per greenback). Silver members additionally get two days per yr to earn double factors, a 15% off anniversary reward, a $10 birthday reward and 30 factors per greenback spent on bras bought at Victoria’s Secret or Pink.
You may additionally obtain associated Mastercard advantages with this card, which embody zero fraud legal responsibility.
Whereas these perks are restricted and positively not as huge as these of many cash-back and journey rewards playing cards, they’re first rate choices for a retailer bank card.
Associated: How to decide on one of the best bank card for you
Incomes and redeeming rewards on the Victoria’s Secret Mastercard Credit score Card
Because the Victoria’s Secret Mastercard comes with computerized Silver standing, you will earn 20 factors per greenback spent at Victoria’s Secret and Pink.
On high of elevated earnings at Victoria’s Secret and Pink shops, you will additionally earn 4 factors per greenback spent on eating, journey and streaming companies and a pair of factors per greenback spent on all different purchases.
Whereas it’s simpler to build up factors than it’s with many different retailer bank card choices, you are still restricted by way of redeeming them. You may get a $10 reward for each 2,000 factors collected inside the rewards program — which means factors are successfully price 0.5 cents apiece.
This yields a ten% return on Victoria’s Secret and Pink purchases, however there are some drawbacks. Rewards are solely redeemable as reductions on purchases at Victoria’s Secret and Pink and expire 90 days from after they’re issued.
Whereas incomes 20 factors per greenback spent on Victoria’s Secret and Pink purchases and 4 factors per greenback spent on a variety of different purchases may appear engaging, these factors are restrictive and never notably precious. Plus, they expire comparatively shortly, which means it’s essential to use them while you get them or threat dropping your hard-earned rewards. And since they’re solely price 0.5 cents apiece, the very best return you will get in your bonus purchases exterior of Victoria’s Secret is a 2% return — which you may get on all purchases with a number of cash-back playing cards.
Nonetheless, should you frequent Victoria’s Secret and Pink and are searching for a approach to earn cash on these frequent purchases, this may very well be an honest choice if that’s actually the place a large chunk of your spending goes.
Associated: Are cash-back bank cards price it?
Which playing cards compete with the Victoria’s Secret Mastercard Credit score Card?
In the event you’re in search of out a card that earns versatile rewards to your purchases, listed here are another choices:
- In the event you’re trying to earn flat-rate money again: The Citi Double Money® Card (see charges and charges) will get a simple 2% money again on each buy (1% as you purchase and 1% while you pay) for no annual payment. It’s a strong choice to earn extra on each buy, together with these at Victoria’s Secret and Pink. To study extra, try our full overview of the Citi Double Money.
- If you wish to maximize spending in standard classes: The Blue Money On a regular basis® Card from American Specific earns cash-back rewards at an elevated charge throughout a number of on a regular basis spending classes, together with 3% money again on groceries at U.S. supermarkets, U.S. on-line retail purchases and fuel at U.S. fuel stations (on as much as $6,000 per yr, then 1%). Plus, the cardboard comes with no annual payment (see charges and charges). To study extra, try our full overview of the Amex Blue Money On a regular basis.
- In the event you’re occupied with rotating bonus classes: The Chase Freedom Flex® earns 5% money again on as much as $1,500 in rotating classes every quarter you activate, so you will be incomes extra throughout a wide range of your bills with out an annual payment. Plus, you will all the time get 3% money again on eating and drugstore purchases. To study extra, try our full overview of the Chase Freedom Flex.
For added choices, see our full checklist of the greatest cash-back bank cards.
Associated: Why I bought the Chase Freedom Flex and the way I am getting max money again this quarter
Is the Victoria’s Secret Mastercard Credit score Card price it?
Whereas you should utilize your Victoria’s Secret Mastercard anyplace to earn factors that add as much as rewards, you are virtually actually higher off with a card that earns extra versatile rewards at a greater charge. Rewards earned with the Victoria’s Secret Mastercard are extremely restrictive and supply little worth. Nonetheless, it provides a excessive return on Victoria’s Secret and Pink purchases, so it may very well be price getting if you’re extraordinarily loyal to the manufacturers.
Backside line
Except you’re fiercely dedicated to Victoria’s Secret and Pink, the Victoria’s Secret Mastercard Credit score Card issued by Comenity Financial institution is not one of the best card so as to add to your pockets. Whereas it’s engaging to earn factors towards rewards at an particularly elevated charge inside the shops, you are virtually actually higher off with a general-use card for the reason that rewards are extra versatile and extra precious.
Associated: Retailer vs. cash-back bank cards: Which one ought to I get?
For charges and charges of the Blue Money On a regular basis, click on right here.
