You’ve probably seen the sleek black card at the bottom of your purse or buried in your digital wallet for years. For the longest time, owning a Victoria’s Secret Angel card was a specific kind of status symbol for frequent shoppers. It meant you were part of an exclusive club that got the first crack at the Semi-Annual Sale and triple points on bras. But if you’ve tried to look up the "Angel Card" lately, you might have noticed something weird. The name is basically gone.
The brand didn't just change the font on the card. They completely overhauled how the whole thing works.
Honestly, the "Angel" branding—which defined the company for decades—started feeling a bit dated. As Victoria's Secret pivoted toward a more inclusive image, the wings were clipped, and the card was rebranded simply as the Victoria’s Secret Credit Card. It’s part of a broader loyalty shift called the VS & PINK Collective. If you're still calling it the Angel card, don't worry—most of us are. But here is the reality of what that piece of plastic actually does for you in 2026.
The Big Rebrand: From Angel to Collective
The transition wasn't just a marketing gimmick. Victoria’s Secret moved away from the "Angel" terminology to align with their new loyalty program, the VS & PINK Collective. This program is a tiered system—Member, Silver, and Gold.
When you have the credit card, you don't start at the bottom. You are automatically bumped to Silver status.
If you spend enough (currently $750 in a program year), you hit Gold. The perks at these levels are where the card actually earns its keep. We’re talking about things like a $15 birthday gift for Gold members instead of the standard $10, and an "anniversary gift" which is usually a 15% to 20% discount code.
📖 Related: Bridal Hairstyles Long Hair: What Most People Get Wrong About Your Wedding Day Look
What happened to my old card?
If you had an original Angel card, it likely still works, but Comenity Bank (the issuer) has been rolling out new designs for a while now. The new versions come in a standard Victoria’s Secret black or a PINK-branded version. They also added a Mastercard option.
That’s a big distinction.
The "Store" version only works at VS and PINK. The Mastercard version works anywhere that takes Mastercard, allowing you to earn points on groceries or gas that you can later spend on pajamas or perfume.
The Math: Is the Reward System Actually Worth It?
Let's talk numbers because this is where people get tripped up. The reward structure is aggressive but restrictive. You earn 10 points for every $1 spent at Victoria’s Secret. If you’re buying bras, that jumps to 30 points per $1.
On the surface, that sounds huge. But you need 2,000 points to get a $10 reward.
👉 See also: Boynton Beach Boat Parade: What You Actually Need to Know Before You Go
Basically, if you spend $200 on random clothes, you get $10 back. If you spend about $67 on bras, you get $10 back. It’s a 5% to 15% return depending on what’s in your bag.
Important Note: These rewards aren't like cash. They expire. Usually, you have 90 days to use that $10 certificate once it’s issued, or it just vanishes into the ether.
The Mastercard "Outside" Earning
If you managed to get the Mastercard version of the Victoria’s Secret Angel card replacement, the earning looks like this:
- 4x points on dining, travel, and streaming services.
- 2x points on everything else outside of VS.
It's a decent way to rack up points if you're already paying for Netflix or eating out, but it only makes sense if you actually shop at Victoria’s Secret enough to use the rewards.
The Interest Rate Trap
We have to be real for a second. The APR on this card is high. We are talking nearly 30% (it fluctuates with the market, but it's always up there).
✨ Don't miss: Bootcut Pants for Men: Why the 70s Silhouette is Making a Massive Comeback
If you carry a balance of $500, you’re going to be paying so much in interest that those "free" $10 rewards are costing you a fortune. This card is strictly for people who can pay it off in full every month. If you’re using it to finance a shopping spree you can't afford, the math will never work in your favor.
Managing Your Account in 2026
Managing the account isn't done through the Victoria’s Secret main website. Since it's issued by Comenity Bank (part of Bread Financial), you have to use their specific portal.
Most people get frustrated because the VS app will show you your rewards, but it won't let you pay your bill easily without redirecting you. You’ve got to register your account on the Comenity Victoria’s Secret "Account Center." This is where you set up Autopay—which I highly recommend so you don't get hit with a late fee that wipes out your rewards for the year.
Actionable Steps for Cardholders
If you're looking to maximize what's left of the Victoria’s Secret Angel card legacy, follow this plan:
- Check your tier: Log into the VS app and see if you’re Silver or Gold. If you’re close to $750 for the year, one more purchase might bump you to Gold for better birthday perks.
- Use the Bra Hack: Only use the card for bra purchases to get that 30x point multiplier. Use a different cash-back card for everything else.
- Watch the Expiration: Don't let your $10 rewards sit. They are "use it or lose it." Set a calendar reminder when a reward hits your inbox.
- Confirm your Card Type: Look for the Mastercard logo. If it’s not there, don't try to use it at the grocery store—it’ll just be an awkward moment at the register.
- Update your Email: The "Half-Birthday" and "Anniversary" coupons are sent via email. If your account is linked to an old college email you never check, you’re literally throwing money away.
The "Angel" name might be retired, but the credit line is still one of the most popular store cards in the country. Just treat it like a tool for discounts, not a primary credit card for daily life.