Torrid Credit Card – Everything You Need to Know

Torrid Credit Card – Everything You Need to Know

Written by Alison Lurie, In Finance, Published On
May 4, 2024

In Short

  1. The Torrid credit card is attractive to frequent shoppers because it provides a 5% discount on purchases and has no annual fee.
  2. Nevertheless, the card’s ridiculous 35.24% variable APR on purchases would offset any savings for balance carriers.
  3. Although there are exclusive discounts and prizes, its overall value and customer service are called into question due to its limited usability (in-store only) and unfavourable member experiences.

If you want to save a little money on plus-size purchases, consider using the torrid credit card*. There is no yearly cost, and cardholders always receive 5% off Torrid purchases. But after that, things get worse. You’ll be searching elsewhere for a store-branded credit card due to the excessive APR (35.24% variable APR on purchases) and additional costs. It is also less reward-focused than most retail cards, only redeemable for rare coupons or special promotions.

Features of the torrid credit card

  • No yearly charge: You don’t have to pay a fee to receive incentives for your purchases.
  • Welcome offer: (New customers may be eligible to receive 40% off without obtaining a card.).
  • Instant access to special offers, discounts, freebies, and in-store events is granted to cardholders.
  • A great credit score is not necessary: If your credit score is higher than 640, your chances of being accepted are high.

Advantages of the torrid credit card

  • Warm welcome offer: However, the coupon must be used on the day the card is accepted. This is the ideal time to update your clothing if you’ve been thinking about doing so. It should be noted that by simply subscribing to Torrid’s promotional emails at Torrid stores and, you may be eligible to receive the same 40% discount if you have never bought at Torrid before without having to obtain a credit card. However, you cannot use this discount in addition to the 40% off sign-up offer. Not to be used in conjunction with box stuffer codes, catalogue/mailer coupons, or certain site-wide promotions.
  • Exclusive deals and promotions that aren’t available to non-cardholders are accessible to cardholders.
  • Simple retail loyalty program: There are three levels to the program: Insider, Loyalist, and VIP.
  • The tier you are assigned depends on how much you pay. Every 250 points earned by members earns them different goodies, as well as a birthday present.
  • Additional points can be earned in various ways, such as clicking the marketing email from the business, sharing a product or a product review online, uploading an Instagram photo, or connecting an Instagram account to a Torrid Rewards account.
  • Credit bureaus report account activity. Making consistent, on-time payments will help you raise your credit score.

Disadvantages of the torrid credit card

  • You Can Only Use the Card in-Store: Due to its closed-loop nature, the Torrid credit card* can only be used for purchases made at Torrid. This significantly reduces the card’s potential for rewards. This card won’t be a wise decision if you only occasionally shop at Torrid. A generic cash-back or rewards card might be more beneficial for you, as it allows you to collect points at Torrid and other locations.
  • Excessive Rate of Interest: If you are unable to make your monthly balance payments in full, you will be charged a high interest rate of 35.24% variable APR on purchases. If you ever miss a payment, this is much higher than most cards and carries a considerable financial risk. Any such interest expenses immediately offset the savings the card accrues.

Who should get the torrid credit card?

Get the Torrid card to gain access to exclusive discounts and a 5% discount on all of your purchases. However, the card’s high annual percentage rate (APR) will cancel out any benefits if you typically carry a load. If a customer has a free Torrid Rewards account, they can still take advantage of the Torrid Rewards Program even without the card. Customers can take advantage of a variety of in-store promotions, such as buy one, get one free offer, 50% off clearance goods, 25% off certain designs, and more.

Although there isn’t an annual charge for the torrid credit card, its high APR makes it a costly addition to your wallet as of this writing. If you carry a balance for an extended time, the savings will be entirely lost. The card comes with hefty fees in addition to a higher-than-usual APR.

You can only use the torrid credit card to make in-store transactions. If you don’t shop at Torrid very often, you might want to acquire a general rewards credit card.

Member Reviews

A member gave it all five stars, remarked it was “Great”, and said, “I applied for this card on a whim in the store. I was approved for 500. A few months later, I got a limit increase of 800. Just recently, I received another for 1,200 cl. The apr is high. However, I really enjoy this card. I have never had to use customer service, so I can’t comment on that. I really enjoy this card.”

Another member gave it three stars out of five and said, “Love the store, but…” “I had the same issue as the above poster. I made my payments on time and then paid off my card, but then they closed my account. I was disappointed because I really like Torrid, but I won’t reapply and take the hit to my score.”

“It was rated as the “worst card EVER” by a member, who also gave it one star out of five. “This card seriously harmed my credit! I then closed it and paid it off. Comenity charged me $35 in overdue fees and interest after I closed this account. Two days later, I paid it in full and terminated the account! I would give this business/card no stars if I could, and I do not recommend it!”


Is there a yearly cost associated with the torrid credit card?

No, the torrid credit card does not come with an annual fee.

What is the annual percentage rate (APR) for using the torrid credit card?

Purchase-related variable APR is 35.24%.

Outside of Torrid stores, is it possible to use the Torrid credit card?

No, only in-store purchases at Torrid are eligible for use with the torrid credit card.

What are the advantages of the torrid credit card?

In addition to receiving 5% off Torrid purchases, cardholders get access to special offers and discounts.

Who ought to think about applying for a torrid credit card?

Frequent shoppers at Torrid can take advantage of special offers and incentives, but if they have a balance, they should be aware of the high annual percentage rate.

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