The Torrid credit card is issued by Comenity Bank, and your bill will show your new balance, minimum payment due, and payment due date.
When it comes to the Torrid credit card, your minimum payment is the least you can pay to keep your account up to date, but paying only the minimum amount will cause you to incur interest on the unpaid balance.
This is convenient if you want to save some cash on plus-size purchases. It has no annual fee, and cardmembers enjoy a continuous 5% discount on purchases.
It’s all downhill from there. The exorbitant APR and other fees will find you looking elsewhere for a store-branded credit card.
And like most retail store cards, it doesn’t offer much in the way of rewards and is only really good for the odd coupon or promotional discount.
How does Torrid work?
You get $25 in Torrid Cash for every $50 spent. It’s deposited directly into your Torrid Rewards Account. When it’s time to redeem, apply your available Torrid Cash in the cart or at checkout. You may redeem $25 Torrid Cash for each $50 of regular-price merchandise.
You may request a Torrid Credit Card credit limit increase by calling customer service at 1 (800) 853-2921. To enhance your chances of approval for a higher credit limit, pay your bill on time for at least six months in a row, reduce your outstanding debt, and notify Comenity Bank of the new income they have on file.
Highlights of the Torrid Card
Torrid Credit Card Accounts are issued by Comenity Bank. It features:
- No annual fee: You get rewarded for purchases but don’t pay a fee for the privilege.
- Welcome offer: (The 40% off new customers can possibly get without getting a card).
Cardmembers get instant access to exclusive discounts, promotions, giveaways, and in-store events. May not be combined with the 40% off sign-up offer, though.
May not be combined with catalog/mailer coupons, boxstuffer codes or certain sitewide promotions, but then. cardmembers get exclusive sales and promotions that aren’t available to non-cardmembers.
Torrid Credit Card Benefits
Your approval chances are good if your credit score is above 640. But then there is:
1. Welcome offer
But the discount code must be used on the day the card is approved. If you’ve been wanting to refresh your wardrobe, this would be a great time to do it.
Remember that if you’ve never shopped at Torrid before, you can likely get the same 40% off discount without getting the credit card by simply joining Torrid’s promotional emails.
2. Simple store loyalty program
The program has three levels: Insider, Loyalist and VIP. Your purchases will determine the level you’re on. Members receive varying rewards for every 250 points accumulated and a birthday gift.
There are several ways of scoring bonus points—clicking on the store’s marketing email, sharing a product or product review on social media, posting an Insta photo, or linking an Instagram account to a Torrid Rewards account.
Account activity is disclosed to credit bureaus: You can establish stronger credit by making regular, on-time payments.
Who Should Get the Torrid Credit Card?
If you wish to receive a 5% discount on all your shopping and exclusive offers, obtain the Torrid card. However, if you typically carry a balance, the high APR on the card will negate the advantages.
Even customers without the card can gain from the Torrid Rewards Program if they possess a free Torrid Rewards account. They can enjoy a host of store offers—buy-one-get-one offers, 50% off clearance styles, 25% off qualifying styles, and more.
The Torrid credit card doesn’t have an annual fee, but its high APR—at the time of writing—makes it an expensive addition to your wallet. Carry a balance for too long and you’ll completely wipe out the savings. In addition to the higher than average APR, the card also carries substantial fees.
The Torrid credit card is a closed-loop store credit card. If you don’t shop at Torrid much, get a general rewards credit card instead.
Can I Use My Torrid Credit Card Anywhere?
The Torrid credit card is a “closed-loop” card, meaning it can only be used for Torrid purchases. That provides Torrid with some control over your shopping habits, since you can’t make purchases anywhere else.
Also, the credit card network transmits the transaction details to the appropriate card-issuing bank. The issuing bank subsequently charges or debits the cardholder’s account, subtracts the interchange fees due to the issuing bank, and sends the remaining amount to the payment processor of the merchant.
Last Lines
Torrid.com accepts the Torrid Credit Card, MasterCard, Visa, Discover, American Express, and ATM/debit cards that have the Visa or MasterCard logo. You may also use a Torrid gift card, Klarna, PayPal, or store credit to make a payment.
For card balance or store locations, call 866.867.7431. TORRID is a registered trademark of Torrid Merchandising, Inc. There is also Torrid Cash, a program that saves you money at Torrid stores, Torrid.com, and on the Torrid app!
It is possible to get $25 Torrid Cash to your Torrid Rewards account for every $50 you spend on regular-price and clearance merchandise. You earn and redeem coupons during designated Torrid Cash time periods throughout the year.
