Visible Infrared Imaging Radiometer Suite (VIIRS) data were systematically evaluated and used to detect harmful algal bloom (HAB) and classify algal bloom types in coasts of the East China Sea covered by optically complex and sediment-rich waters. First, the accuracy and spectral characteristics of VIIRS retrieved normalized water-leaving radiance or the equivalent remote sensing reflectance from September 2019 to October 2020 that were validated by the long-term observation data acquired from an offshore platform and underway measurements from a cruise in the Changjiang Estuary and adjacent East China Sea. These data were evaluated by comparing them with data from the Moderate-Resolution Imaging Spectroradiometer. The bands of 486, 551, and 671 nm provided much higher quality than those of 410 and 443 nm and were more suitable for HAB detection. Secondly, the performance of four HAB detection algorithms were compared. The Ratio of Algal Bloom (RAB) algorithm is probably more suitable for HAB detection in the study area. Importantly, although RAB was also verified to be applicable for the detection of different kinds of HAB (Prorocentrum donghaiense, diatoms, Ceratium furca, and Akashiwo sanguinea), the capability of VIIRS in the classification of those algal species was limited by the lack of the critical band near 531 nm.