Comenity BankVictoria's Secret MastercardRegistry illustration · issuer artwork unavailable
Victoria's Secret MastercardComenity Bank · NM bank, DE · FDIC 27499
CurrentLast observed Aug 31, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Balance transfer
—
Foreign fee
Grace period
25 days
from cycle close
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| 35.99%Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “35.99%”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 | |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| APR for cash advances | 35.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — | — |
| Minimum interest charge | $3 | — | — |
| How we calculate your balance | Other | — | — |
| Annual fee | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Transaction fees | |||
| Cash advance | Either $10.00 or 5.0% of the amount of each cash advance, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Balance transfer | Either $10 or 5% of the amount of each transfer, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Foreign transaction | 3.0% of each transaction in U.S. dollars.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Penalty fees | |||
| Late payment | up to $41Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “Up to $41”Comenity Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Repeat late fee within six billing cycles | $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Returned payment | — | no source read | |
| Other fees | |||
| Returned Payment Fee | $30, If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored on resubmission. The fee is $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Alternative Payment Method Fee | $15, We may allow you to make an expedited payment over the phone. If you do, we may charge a fee. Currently, that fee is up to $15. We’ll let you know the current fee before you authorize any payment and you can withdraw your request if you don’t want to payConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Paper Statement Fee | $2.99, Paper Statement Fee: Up to $35.88 annually ($2.99 each month in which your balance is greater than $3.50 and a paper billing statement is mailed to you; you can avoid this fee each month you are enrolled in paperless statements on the last day of a billinConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026 | — | Website |