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Bath and Body Works Credit Card Review

Written by Mike Pearson
Updated June 11, 2023

Bath and Body Works is a well-known retailer of fragrances, skincare products, and more. Many loyal customers may wonder if there’s a specific credit card they can use to earn rewards or discounts on their purchases. Though Bath and Body Works itself does not have a dedicated credit card, there is an alternative option that can be used at their stores and online.

The Victoria’s Secret credit card, issued by Comenity Bank, can be used in Bath and Body Works stores and on bathandbodyworks.com. However, it is important to note that purchases made at Bath and Body Works do not earn rewards through the Victoria’s Secret credit card program. Additionally, this credit card comes with a high annual percentage rate, making it less suitable for those who tend to carry a balance from month to month.

Shopaholics may still find the Victoria’s Secret credit card appealing when shopping at Bath and Body Works, but it’s essential to be aware of the card’s limitations in terms of earning rewards and managing balances.

Overview of the Bath and Body Works Credit Card

The Bath and Body Works Credit Card is a store credit card designed for loyal customers of Bath and Body Works, offering rewards and perks for their purchases at this popular store chain. This section will provide a brief overview of the issuer, network, and rewards program associated with the credit card.

Issuer and Network

While Bath and Body Works does not have its own dedicated credit card, you can use a Victoria’s Secret Credit Card, which is accepted at Bath and Body Works, Victoria’s Secret, and PINK stores. The card is not a Visa, Mastercard, American Express, or Discover card, but rather a store-specific card with unique features and benefits.

Rewards Program

By using the Victoria’s Secret Credit Card at Bath and Body Works, cardholders can access rewards such as:

  • Earning 10 points for every dollar spent on eligible items (with 1 point being equal to 10 cents)
  • Special promotions and offers available only to cardholders
  • Exclusive access to sales and events

It is important to note that the rewards program is subject to change, and it is always a good idea to check the latest terms and conditions to get the most accurate and up-to-date information on the card’s benefits.

Cardholder Benefits

Offers and Discounts

Bath and Body Works does not have a dedicated credit card. However, you can use the Victoria’s Secret credit card for shopping at Bath & Body Works. This card offers various benefits that can be utilized at both Victoria’s Secret and Bath & Body Works. Cardholders can enjoy various offers and discounts on their favorite products. Some of these benefits include:

  • Rewards: Earn 1 point for every $1 spent, and accumulate 250 points to receive a $10 reward.
  • Free Shipping: On purchases of $50 or more when using the Victoria’s Secret credit card.
  • Birthday Treat: Exclusive gift or discount offer during your birthday month.
  • Anniversary Gift: Silver and gold cardmembers receive a special treat on the card’s anniversary.

Loyalty Program

The Victoria’s Secret credit card loyalty program extends to Bath & Body Works, allowing cardholders to benefit from both brands. Here’s an overview of the loyalty program features:

  • Tiered Membership: The Victoria’s Secret credit card’s tiered membership consists of Angel, Angel VIP, and Angel Forever. Each tier offers enhanced benefits and rewards, ensuring members are rewarded based on their spending habits.
  • Perk of the Month: Cardholders can enjoy various perks, such as exclusive sales, events, or early access to new product launches, as part of the loyalty program.
  • Bonus Points: Members can earn bonus points during select promotional periods, allowing them to accumulate rewards more quickly.

By taking advantage of the Victoria’s Secret credit card and its associated loyalty program, shoppers at Bath & Body Works can enjoy a range of benefits and savings on their favorite products.

Application Process

Eligibility Requirements

To be eligible for the Victoria’s Secret Credit Card, which can be used at Bath and Body Works, you need to:

  • Be at least 18 years old
  • Have a valid government-issued photo ID
  • Have a valid Social Security Number
  • Have a U.S. mailing address

It’s important to note that having a satisfactory credit history is necessary for approval. While there is no specific credit score requirement, having a fair to good credit score might increase your chances of approval.

How to Apply

To apply for the Victoria’s Secret Credit Card, follow these steps:

  1. Visit the Victoria’s Secret Credit Card website
  2. Click on “Apply Now”
  3. Fill out the application form with your personal information, including your Social Security Number and annual income
  4. Review the terms and conditions and submit your application

Once approved, the credit limit on your Victoria’s Secret Credit Card will be determined based on your credit score and financial profile. Remember, this credit card can be used both online and in-store at Bath and Body Works.

To manage your account, simply log in to the Victoria’s Secret Credit Card website with your username and password. From there, you can view your credit balance, make payments, track recent transactions, and more.

Keep in mind that purchases made at Bath and Body Works using the Victoria’s Secret Credit Card do not earn rewards. It’s also worth noting that this credit card has a high annual percentage rate (APR), so it might not be ideal for individuals who tend to carry a balance from month to month.

Using the Card for Purchases

In-Store Purchases

The Victoria’s Secret Credit Card can be used for purchases at Bath and Body Works, Victoria’s Secret, and PINK stores. The card serves as a store credit card and will only be accepted at these three specific stores. When shopping at Bath and Body Works, simply present your Victoria’s Secret Credit Card at the checkout to complete your purchase. However, it’s important to note that purchases at Bath & Body Works do not earn any rewards on the card.

Online Orders

When shopping online, you can use the Victoria’s Secret Credit Card both at bathandbodyworks.com and victoriassecret.com. To make a purchase on the Bath and Body Works website, you’ll need to sign in to your My Bath & Body Works account and then enter your credit card details during the checkout process.

Similarly, when placing orders on the Victoria’s Secret or PINK websites, input your card information during the checkout process. Although you can use the card for online orders, be aware that the card comes with a high annual percentage rate. It is therefore not ideal for someone who regularly carries a balance from month to month. As with in-store purchases, using the card for online orders at Bath and Body Works will not earn any rewards.

Alternative Payment Options

Other Store Credit Cards

While Bath & Body Works does not have its own credit card, you can use the Victoria’s Secret Credit Card for purchases at Bath & Body Works stores and on bathandbodyworks.com. Be aware that as per the latest update, Bath & Body Works may stop accepting Victoria’s Secret Credit Cards within the next few months. Keep an eye on this situation before deciding to rely on the Victoria’s Secret Credit Card for future purchases at Bath & Body Works.

PayPal

Bath & Body Works accepts PayPal as a payment method for online purchases. It’s a convenient and secure payment option, especially if you already have a PayPal account. To use PayPal, select it as your payment method during the checkout process on the Bath & Body Works website.

Apple Pay

Apple Pay is another alternative payment method accepted by Bath & Body Works. Customers can use Apple Pay for in-store and online purchases. For in-store purchases, simply use your compatible iPhone or Apple Watch at the payment terminal. For online purchases, look for the Apple Pay option at checkout.

Bath & Body Works also accepts various other payment methods to accommodate its customers. These options include Visa, MasterCard, American Express, Discover, debit cards, gift cards, and eGift cards. However, it is important to note that Bath & Body Works does not accept Affirm financing as a payment method.

Product Offerings and Customer Experience

Fragrance and Body Care

Bath and Body Works offers a wide variety of fragrance and body care products, including body wash, hand soaps, shower gels, and lotions. The collection includes both signature scents and seasonal creations. Many customers find their aromatherapy line featuring essential oil-infused products particularly appealing. Popular fragrances worth mentioning are Ocean and Japanese Cherry Blossom. The company is also known for its foaming soaps, which provide a luxurious experience during hand washing.

Candles and Home Fragrance

Candles are another major product category for Bath & Body Works. Customers can choose from a vast selection of scents that cater to every preference and season. From aromatherapy candles to 3-wick candles with various themes, there is something for everyone. Additionally, their home fragrance line includes room sprays, wallflower plugs, and car scent portables, allowing customers to enjoy their favorite fragrances throughout their home and vehicles.

Gifts

Bath & Body Works offers a variety of gift options, making it easy for customers to find the perfect present for any occasion. The pre-packaged gift sets often include popular items like body wash, lotion, and fragrance mist, and many sets are available in the best-selling scents. For customers looking to create a more personalized gift, they can always mix and match products to create their custom gift basket.

Customer Service

As part of the customer experience, Bath & Body Works strives to provide attentive and helpful customer service. While shopping in-store or online, customers can expect prompt assistance and knowledgeable answers to their questions. Additionally, they offer an easy return policy on any unsatisfactory products. This, combined with their wide variety of product offerings and fragrances, makes Bath & Body Works a popular choice for many consumers.

Return and Exchange Policy

Bath & Body Works offers a generous return policy, allowing customers to return or exchange their products within 90 days of purchase. If you wish to receive a refund back to your original form of payment, you’ll need to bring the item and your receipt within the 90-day timeframe. After 90 days, customers can still return items, but they’ll have to settle for store credit or an even exchange.

This policy is created to ensure customer satisfaction and to assist shoppers in making informed buying decisions. Bath & Body Works prioritizes addressing customer concerns and providing clear responses to any questions or issues that may arise.

In case you don’t have a receipt, the store may still process the return based on the item’s lowest selling price and issue store credit. This flexibility in the return policy is designed to help customers feel confident in their purchases and guarantee a positive shopping experience.

It’s essential to consider that the return policy may be subject to change, and it’s always a good idea to check for updates or ask in-store staff for any clarifications. The goal is to provide consistent and accessible returns and exchanges, ultimately maintaining Bath & Body Work’s commitment to endorsing high-quality products and ensuring customer satisfaction.

Store Locations and Contact

Store Locations

Bath & Body Works offers a convenient store locator on their website to help you find the nearest location to you. To find a store, simply enter your city and state or zip code. This will show you all of the Bath & Body Works and PINK stores in the U.S. near your location, making it easy to access their wide range of products for everyone. These stores are perfect for trying out new fragrances, exploring seasonal sales, and checking out their business offerings.

Additionally, Bath & Body Works often offers in-store pick up services. Check for local store availability and pick up the products you need conveniently without waiting for them to be shipped.

Customer Support

Should you have any questions or concerns, Bath & Body Works provides various methods to reach their customer support team.

  • My Bath & Body Works Reward Program: Contact the customer service team through their Frequently Asked Questions page or by calling 1-800-869-0158 (available between 6am and 2am ET).
  • Store Customer Care: Get assistance with in-store experiences and purchases by calling 1-800-395-1001 (available between 9am and 7pm ET).

For customers who require relay service, please dial 711. Bath & Body Works is committed to accommodating assistive readers when visiting their website and aims to provide helpful information and support to all customers.

When using the Victoria’s Secret Credit Card, it is important to note that it can be accepted at Bath and Body Works, Victoria’s Secret, and PINK locations.

Frequently Asked Questions

Credit score needed?

The credit score needed for a Bath and Body Works credit card is not applicable since there isn’t a specific Bath & Body Works credit card at this time. However, you can use the Victoria’s Secret Credit Card at Bath and Body Works. For the Victoria’s Secret Credit Card, it is recommended that applicants have a fair or better credit score to increase their chances of approval.

Victoria Secret card usage?

Yes, you can use your Victoria’s Secret Credit Card at Bath and Body Works, both in-store and online. This credit card is a store credit card and is accepted at Bath and Body Works, Victoria’s Secret, and PINK.

Highest credit limit?

Credit limits vary depending on your creditworthiness and the terms set by the issuer of the Victoria’s Secret Credit Card. For specific information regarding credit limits, it is best to contact the card issuer directly.

Online use possible?

Yes, you can use the Victoria’s Secret Credit Card for online purchases at Bath and Body Works. Simply enter your card information during checkout as you would with any other credit card.

Credit card login?

To manage your Victoria’s Secret Credit Card account, visit the Victoria’s Secret Credit Card website and log in with your username and password. Here, you can view your balance, make payments, and manage your account details.

Payment methods?

As the Bath and Body Works credit card does not exist, payment methods for the Victoria’s Secret Credit Card include online payments, by phone, or by mailing a check or money order. To pay online, log in to your account on the Victoria’s Secret Credit Card website. Payments can also be made in-store, either at Victoria’s Secret or Bath and Body Works locations.

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Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.