Learn how to apply for the Pink Credit Card
Experience the perks of three distinct spending levels with the credit card tailor-made for dedicated Victoria's Secret customers.
Applying for the Pink Credit Card: What You Need to Know
If you’re a frequent shopper at Victoria’s Secret, the Pink Credit Card can provide you with several benefits and a 0% annual fee.
As part of the Victoria’s Secret credit card program, you’ll receive $25 off your first purchase and 5% cashback in rewards, making it an attractive option for regular customers. Along with this initial offer, you’ll also receive “The Little Book of Offers,” which provides additional discounts in-store.
After acquiring your Pink Credit Card, you’ll be eligible for one of three card tiers: basic, silver, and gold. Your tier will depend on the number of points you accumulate over 12 months. Every dollar spent earns you one point.
Once you’ve reached 250 points in 12 months, you’ll be upgraded to a silver cardmember. By accumulating an additional 250 points, totaling 500 points, you’ll become a gold cardmember. The gold tier offers the best rewards and perks of the Pink Credit Card.
It’s worth noting that Victoria’s Secret’s card is primarily beneficial for those who regularly purchase the brand’s products, like most proprietary store cards.
Pink Credit Card customers can enjoy free shipping on qualifying in-stock items totaling $50.00 USD (after all discounts are applied). However, this benefit is limited to orders shipped within the United States.
To receive your half-birthday treat, you must meet the following requirements:
- Be a Silver or Gold Cardmember.
- Provide your email to TheVictoriaCreditCardProgram.com or ThePINKCreditCardProgram.com to qualify.
- Have made a purchase at Victoria’s Secret or PINK in the previous 12 months, starting two months prior to the event.
- Have an account that is not in default.
- Have a valid email address and U.S. mailing address.
Your eligibility for this perk is determined two months prior to your half-birthday month.
Eligibility and Application Process
To be eligible for the Pink Credit Card, you must be at least 18 years old, have a valid government-issued photo ID and U.S. Social Security number, and be a resident of the United States with a valid mailing address. Comenity Bank verifies personal information and obtains a copy of the consumer’s credit report to determine creditworthiness.
The credit limit on the card depends on the applicant’s personal credit history and finances. Store credit cards, like the Pink Credit Card, often have slightly easier qualification requirements compared to general-use cards.
How to Apply for the Pink Credit Card
If you meet the eligibility criteria, you have two options to apply:
1. Online: Visit Victoria’s Secret website and complete an online application.
2. In-store: Visit a Victoria’s Secret or PINK store to apply.
Is the Pink Credit Card Worth It?
The Pink Credit Card can be a valuable tool for individuals with limited credit history looking to establish a good credit record. As there is no cost to owning the Victoria’s Secret card, using it responsibly can help build credit.
Pink Credit Card vs. Premier Bank Card Mastercard
The Premier Bank Card Mastercard is recommended for individuals with bad credit to fair credit. However, the high fees associated with the Premier Bank Card put it at a disadvantage compared to the Pink Credit Card, which can serve the same purpose.
To put the fees into perspective, let’s consider a scenario where you’re approved for the Premier Bank Card with a $600 credit limit. In your first year as a cardholder, you’d pay a $75 program fee, a $79 annual fee, a $70.20 monthly fee, and an additional $5.85 per month. In total, you’d pay $224.20 in non-refundable fees.
However, these fees only make sense if you plan on shopping at Victoria’s Secret within the next 12 months.
Pros of the Pink Credit Card:
- $25 off on your first purchase.
- 2% back in rewards for dining, travel, and streaming services when using the card.
- Free shipping on orders of $50 or more.
- $10 birthday gift.
Pros of the Premier Bank Card Mastercard:
- An unsecured card option for people with bad or no credit.
- First Premier reports positive payment history to three credit bureaus.
