Woman with Torrid Credit Card

Torrid Credit Card: Rewards, Fees, Pros and Cons, How to Apply

The Torrid credit card offers rewards and financing specifically for plus-size women’s clothing and accessories from Torrid stores and its website. Like any retail credit card, it has its pros and cons to weigh before applying. Here is an in-depth look at how the Torrid credit card works, its rewards program, fees, interest rates, and tips for responsible use.

Some highlights and features of the Torrid Credit Card:

  • Earn 1 points per $1 spent at Torrid in stores and online plus daily bonus
  • 5% off Torrid purchases
  • Get 40% off the first online Torrid.com purchase and $15 off $50 coupon when physical card arrives
  • Points can be redeemed for reward certificates to use at Torrid
  • Special financing offers for purchases
  • Online account management and bill pay
  • No annual fee

The Torrid Card is best suited for frequent Torrid shoppers who can maximize the rewards and get the most value from the card. It offers decent rewards, redemption rates and special discounts for cardholders.

How the Torrid Credit Card Works

Torrid Credit Card
Credits: Torrid

The Torrid Credit Card is a revolving credit account linked to the Torrid brand. It works similarly to any other retail credit card:

  • Apply and get approved for a credit limit based on creditworthiness
  • Make purchases at Torrid using the card
  • Earn 1 points per $1 spent on the card plus daily bonus
  • Earn 2x to 3x points per $1 spent on the card during special events
  • Points accumulate and can be redeemed for reward certificates
  • Receive a billing statement each month for purchases
  • Make monthly payments on the card balance
  • Enjoy benefits like special financing offers

The Torrid Card is ONLY accepted at Torrid stores and the Torrid website. It cannot be used anywhere else. Payments can be made online, by phone, by mail, or in Torrid stores.

The card is issued by Comenity Bank which handles the approval process, sets credit limits, provides account services, and issues bills and statements each month.

You may also like: Comenity Bank Credit Cards: Benefits, Interest, Fees

Rewards, Cashbacks, and Sign-Up Bonus

Paying with Torrid Credit Card
Credits: ChatGPT

Cardholders enjoy the following rewards and perks:

  • Earn 1 points per $1 at Torrid in-store and online plus daily bonus
  • 100 points = $1 reward certificate
  • Certificates expire 60 days after issuance
  • No cap on earnable points
  • Special financing offers on purchases
  • Extra 5% off every day with Torrid credit card
  • 40% off first online purchase with newly opened card
  • $15 off $50 coupon when physical card arrives
  • Birthday gift for Torrid Insiders and Loyalists
  • Earn Torrid Cash rewards – $25 for every $50 spent

Interest Rates & Fees of Torrid Credit Card

Here are the interest rates and fees associated with the Torrid Credit Card:

Interest Rates

  • 35.24% Variable APR on purchases and balance transfers
  • 35.24% Penalty APR (for late or missed payments)


  • No Annual Fee
  • No Foreign Transaction Fee
  • $41 Late Payment Fee
  • Up to $25 Returned Payment Fee

As a retail credit card, the Torrid Card has high interest rates. Paying your balance off in full each month is highly recommended to avoid interest charges. Late and returned payments have hefty fees too. Read all terms and conditions carefully.

How to Apply for a Torrid Credit Card

Applying for Credit Card
Credits: Canva

Applying for the Torrid Credit Card can be done in 3 ways:

  1. Apply online on Torrid.com website
  2. Apply by phone – call 1-800-853-2921 (TDD/TTY: 1-800-695-1788)
  3. Apply in person at any Torrid store location

To be approved, you will need:

  • Your Social Security Number
  • Your date of birth
  • Your address

Students under 21 can apply with verification of adequate independent income for repayment or with a cosigner.

Most applicants receive an instant decision. If approved, you can begin using your new Torrid credit card immediately in-store or online.

You may also like: BJ’s Credit Card: Rewards, Fees, Pros and Cons

Managing Your Torrid Credit Card

Torrid Credit Cards
Credits: Torrid

Managing your Torrid Credit Card account is easy through online banking or by phone:

  • Online account access at Torrid.com – view statements, make payments, check rewards, change personal info
  • Mobile app – manage card on the go with Android/iOS app
  • Phone support – call 1-800-853-2921 (TDD/TTY: 1-800-695-1788) for account assistance
  • Mail paymentssend check or money order to payment address on statement
  • Pay in Torrid stores – make payments in person at any Torrid register

Set up autopay or make manual payments by the due date each month to avoid late fees. Redeem rewards when you reach the minimum thresholds. Contact customer service with any account-related questions.

Where Torrid Credit Card Can be Used?

Torrid store
Credits: Torrid, Facebook

The Torrid Credit Card is explicitly a Torrid store card – it can ONLY be used at Torrid retail locations and on Torrid.com for purchases. Key restrictions:

  • Cannot be used at other stores, websites, restaurants, etc.
  • Not accepted anywhere besides Torrid and Torrid.com
  • Cannot use for cash advances, balance transfers, or cash back
  • Only permits Torrid purchases and account payments
  • Intended for Torrid loyalists who regularly shop there

Before applying for the card, ensure you frequently shop at Torrid. It’s not beneficial as an everyday use credit card due to the limited acceptance. Compare to other store cards that may match your shopping habits better.

You may also like: Fortiva Credit Card: Rewards, Fees, Pros and Cons

Pros and Cons of Torrid Credit Card

Credit Cards and Cash
Credits: Canva


  • 2x to 3x points per $1 spent adds up quickly on events
  • $15 off $50 coupon when physical card arrives
  • Special cardholder financing offers and discounts
  • No annual fee


  • Very high 35.24% interest rate
  • Can only redeem rewards at Torrid stores
  • Penalty APR of 35.24% for late payments
  • Reports to credit bureaus, so can impact credit score
  • Must shop frequently at Torrid to earn rewards

Overall, the Torrid Credit Card is best suited for loyal Torrid customers who can maximize the rewards. Use caution with high interest rates and make sure to pay on time.

You may also like: Ulta Credit Card: Rewards, Fees, Pros and Cons

Torrid Credit Card vs Other Credit Cards

Paying with Credit Card
Credits: Canva

How does the Torrid Card compare to other credit cards and general rewards cards?

  • Torrid Card – 1 points per $1 at Torrid, 35.24% APR, can only be used at Torrid
  • Amazon Store Card – 5% back on Amazon purchases, 29.99% APR, Amazon only
  • Target REDcard – 5% off Target purchases, 29.95% APR, Target only
  • Capital One Quicksilver Card – 1.5% cash back everywhere, no rotating categories, plus a $200 cash bonus, 19.99% – 29.99% APR
  • The Torrid Card is comparable to other retail store cards – excellent for regular Torrid shoppers. General rewards cards can be used anywhere with more flexibility. Choose based on where you spend the most each month.


For frequent Torrid shoppers, the Torrid Credit Card can provide nice rewards through its 2x to 3x points per $1 spent on events and $15 off $50 coupon when a physical card arrives. It also offers special financing options. However, it has very high interest rates and can only be used at Torrid stores and its website. Compare to other store cards or cash back cards to make sure it aligns with your spending habits. Apply online, in stores, or by phone if it meets your needs. Manage the card responsibly by paying on time and redeeming rewards.

Frequently Asked Questions

You can pay your Torrid credit card bill online, by phone, by mail, or in person at Torrid stores. To pay online, login to your account on Torrid.com and follow the payment prompts. You can pay by debit card, bank account, or make a one-time payment.

The Torrid credit card can only be used for purchases made directly with Torrid, either at Torrid retail stores or online at Torrid.com. It cannot be used at other merchants or for cash advances.

Torrid does not disclose a minimum credit score requirement, but most retail card issuers prefer scores of 620 or higher for approval on an initial application. Credit histories, income, and other factors are also considered. Those with no credit history may need a cosigner.

Most applications receive instant decisions. If approved, you can use your new Torrid credit card right away in-store or online. The physical card will arrive by mail within 7-10 business days after approval.