Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $749.70
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39
Victoria's Secret Mastercard
Top-25 issuerNationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
35.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered35.99%
Median35.99%
Highest offered35.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered35.99%
Median35.99%
Highest offered35.99%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeCharged (amount not reported)
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Paper Statement Fee$2.99
Rewards, benefits and features
Rewards
- Other rewards
Services
- Credit card registration
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: $25 off first purchase. 5% back in rewards at Victoria's Secret and PINK (10 points/ $1 spent); 2% back in rewards on Dining, Travel and Streaming Services (4 points/ $1 spent); 1% back in rewards on everything else; $10 reward issued for every 2000 point
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-855-271-2596
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 35.99%$1,079.70
Annual / periodic fees$0
Total yearly cost$1,079.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
46 documents filed by Comenity Bank in the 2026 Q1 archive.
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More from this issuer
Purchase APR
19.24–34.24%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $802.20
Purchase APR
19.74–34.24%
Annual fee
$149
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $958.70 incl. $149 fee
Purchase APR
35.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,079.70