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Torrid Credit Card Review

Torrid Insider Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent/Good/Fair Credit
Card Rating:
The Torrid credit card is a great card that is yet another Comenity Bank product. This card provides an online account platform for cardholders seeking to do everything online. All those with busy schedules understand online shopping is probably the only way to buy new things. Therefore, if you are a fashion guru or enthusiast, this card is possibly your best bet for stocking up your closet for the winter festivities and maybe even your holiday vacations. So what are the perquisites of having this particular card? Is it worth it?

Torrid Credit Card Details


  • $15 off $50 Welcome Offer (when your card arrives).12
  • 30% off cardholder shopping passes (twice per year!)12


Max. Rewards: No rewards12
Sign-up Bonus: $15 off $50 Welcome Offer (when your card arrives).12


Purchase Intro APR: No intro APR12
Purchase Regular APR: 26.49%12
Cash Advance Fee: See terms12
Cash Advance Regular APR: See terms12
Balance Transfer Intro APR: See terms12
Balance Transfer Regular APR: See terms12
Balance Transfer Fee: See terms12
Annual Fee: $012

Torrid Credit Card Benefits

Having a Torrid credit card comes with some sweet instant benefits and rewards such as a 15 percent off on your first purchase using Torrid credit card. Having some recent arrivals is good timing for the perfect reception of the card. There is also the added spontaneous 30 percent off, twice a year. With this card, it is like having two Christmases and two birthdays.

Additionally, this card is perfectly designed for people who spend half their lives online. Therefore, the Comenity Bank have gone the extra mile of ensuring that this card offers an amazing easy online account management, giving you access to all of your bills, payments done and offers they may be having.

In addition to the exclusive offers that come to those who have the torrid card, there is the special award for birthdays. So if it is your birthday, bucker up, you are about to have a good time. Shop till you drop on your birth week with discounts and gift cards courtesy of Torrid credit card.

As you shop your heart out, keep in mind that you earn points for every coin spent. At what rate exactly, 1 dollar for a point! Accumulated points also mean more rewards with rewards certificates of 10 dollars for every 200 points you earn.

Torrid Credit Card Drawbacks

One of the most probable drawbacks would be the fact that Torrid credit cards can only be used at their shops and website platforms. Due to the fact they have no sister stores, this is exclusively for this store.

They also have a considerably high APR rate that might tamper with your financial plans. They have a regular rate of 25.24% that you might need to factor in. there is also no balance transfer which reduces on any chances you had to save up.

There also have a late fee of 37 dollars with a grace period of 25 days. This compared to other cards might be considered a downside.

Furthermore, credit score history is reviewed during the approval process. If you have a poor record, this might be the end of the road for you.

Contact Information


You can call Torrid customer service at 1-800-853-2921

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User Comments about Torrid Insider Credit Card

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love store, but card...
I love the store Torrid so it was a no brainer for me to apply for one of their credit cards. However, customer service is seriously lacking. So you should think before applying it..
i wish them a better service
I love the store Torrid so it was a no brainer for me to apply for one of their credit cards. however, customer service is seriously lacking...