Comenity Capital Bank
Victoria's Secret Mastercard
No annual fee · Earns POINTS
The Victoria's Secret Mastercard from Comenity Capital Bank has no annual fee and earns VS & PINK Rewards points: 10 per $1 at VS and PINK, 4 per $1 on dining, travel and streaming, and 2 per $1 elsewhere. Cardmembers start at Silver tier, and 2,000 points earn a $10 reward. It suits regular VS and PINK shoppers; it charges a 3% foreign transaction fee.
- StatusSilver in VS & PINK Rewards
Maintained by Creddy Editorial · Catalog checked Oct 21, 2026
Victoria's Secret Mastercard at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Comenity Capital Bank
- Rewards:
- POINTS
Victoria's Secret Mastercard Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 4x | |
| Travel general | 4x | |
| Streaming | 4x | |
| Everything else | 2x |
Who Should Get the Victoria's Secret Mastercard?
The Victoria's Secret Mastercard fits people who spend most on dining (4x) and travel general (4x). It has no annual fee, so it costs nothing to keep.
Is the Victoria's Secret Mastercard Worth It?
The Victoria's Secret Mastercard has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Victoria's Secret Mastercard Welcome Bonus
- $25 off first purchase plus a $30 Reward
Be approved for and use the card on a first purchase at VS or PINK; minimum purchase required to redeem
Checked Oct 21, 2026Source
Victoria's Secret Mastercard Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Victoria's Secret Mastercard. Its value comes from its rewards and other benefits on this page.
Victoria's Secret Mastercard Travel Benefits
Hotel Status
- Automatic Silver Tier in VS & PINK Rewards
Cardmembers are automatically upgraded to Silver tier in VS & PINK Rewards. Gold tier requires $750 or more in net eligible purchases each program year (January to December).
Checked Oct 21, 2026Source
More Victoria's Secret Mastercard Card Benefits
Bonus Earnings
- 10 Points per $1 at VS and PINK (15 at Gold)10x points
Cardmembers earn 10 points per $1 at Victoria's Secret and PINK at Silver tier, and 15 points per $1 at Gold tier ($750 or more in a program year). A $10 reward is earned for every 2,000 points.
Checked Oct 21, 2026Source - 2 Points per $1 Everywhere Else2x points
Earn 2 VS & PINK Rewards points per $1 on Mastercard purchases outside VS and PINK that are not dining, travel or streaming.
Checked Oct 21, 2026Source - 4 Points per $1 on Dining, Travel and Streaming4x points
Victoria's Secret Mastercard cardmembers earn 4 VS & PINK Rewards points per $1 on dining, travel and streaming services outside VS and PINK. Category earning depends on the merchant code.
Checked Oct 21, 2026Source - Triple Points on Bras at VS and PINK30 pts
Cardholders earn triple points on bras bought with the card at Victoria's Secret or PINK: 30 points per $1 at Silver and 45 points per $1 at Gold.
Checked Oct 21, 2026Source - Two Double Points Days per Year
Twice a year, on selected days, Silver cardholders earn 20 points per $1 and Gold cardholders earn 30 points per $1 at VS and PINK using the card.
Checked Oct 21, 2026Source
Purchase Protection
- Mastercard Benefits Including Zero Fraud Liability
Mastercard benefits, including Zero Fraud Liability, apply. See the Mastercard Guide to Benefits for terms.
Checked Oct 21, 2026Source
Fees & Miscellaneous
- Birthday Reward
Get a $10 birthday reward at Silver tier or $15 at Gold. You must add your birthday to your rewards profile and have made a purchase in the prior 12 months. A minimum purchase is required to redeem.
Checked Oct 21, 2026Source - Card Anniversary Discount
Cardholders get a card anniversary offer of 15% off at Silver tier or 20% off at Gold, emailed to the account email. A purchase in the prior 12 months is required.
Checked Oct 21, 2026Source - Foreign Transaction Fee3%
The Victoria's Secret Mastercard charges a 3% fee on each foreign transaction, in U.S. dollars.
Checked Oct 21, 2026Source - Free Standard Shipping on victoriassecret.com
Free standard U.S. shipping at victoriassecret.com on orders over $50 at Silver tier and over $25 at Gold tier.
Checked Oct 21, 2026Source - No Annual Fee
The Victoria's Secret Mastercard has no annual fee. A paper statement fee of $2.99 a month applies unless you enroll in paperless statements.
Checked Oct 21, 2026Source
Victoria's Secret Mastercard vs Other Comenity Capital Bank Cards
- Caesars Rewards Visa SignatureNo annual fee
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Victoria's Secret Mastercard FAQs
What is the Victoria's Secret Mastercard annual fee?
No annual fee