WalletHub Rating
3.6/5
Torrid Credit Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing Torrid Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Torrid Credit Card earned a score of 5.0/5 for Fees, 3.0/5 for Rewards, 3.8/5 for Cost, and 2.7/5 for User Reviews.Info about the Torrid Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.7/5
152 reviewsRead and write reviews
Editor’s Review
4.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.0
Cost
3.8
Other Features
0.0
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
40% off your first online purchase, along with a $15 discount on a $50 purchase welcome offer included when you receive your new card.
Earn 1 point for every dollar you spend at Torrid. $10 rewards certificate for every $250 you spend
Earn $25 Torrid cash for every $50 you spend - Limited time offer.
Earn extra 5% off every day with your card.
Reach Loyalist status by spending $500-$999 a year or VIP by spending over $1,000 and enjoy free shipping and other benefits.
Torrid Credit Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Learn More
at Comenity's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
August 26th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Torrid Credit Card Pros & Cons
No membership fees
40% + $15 discount initial rewards bonus
Qualify with fair credit
High regular APR
Torrid Credit Card Review
4.3 / 5
- Nice initial discount. You will receive 40% off your first online purchase, along with a $15 discount on a $50 purchasewith the Torrid Credit Card, which could save you a bundle if you time things right. This isn’t the biggest first-purchase discount available from a store card but it’s still a great deal if you’re planning a Torrid shopping spree.
- Very good ongoing rewards. You will earn 1 point for each $1 that you charge to the Torrid Card, which might not sound like a lot but actually works out to 4% cash back (spending $250 earns you a $10 gift certificate). That’s already right in line with what the best store credit cards offer on an ongoing basis, and the deal’s sweetened even more by two 30%-off days each year. Those discount days could wind up being the star of the show if you shop strategically.
- Not built for financing. Store credit cards are bad for carrying a balance from month to month, thanks to their high regular APRs and the fact that any “special financing” they may offer usually includes a dangerous feature called deferred interest. The Torrid Card is no exception. It doesn’t have a reduced intro rate, and its regular APR is above even the average for store credit cards (30.54%).
- Fair credit should do the trick. As long as you have a bit of credit experience and no major negative marks on your credit report, you should be able to get approved for the Torrid Insider Credit Card. That might surprise you given the card’s impressive rewards, but store cards are known for having relatively lenient approval standards. If you’re not sure where your credit stands, you can check your latest credit score for free on WalletHub.
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Compare The Torrid Credit Card vs. Popular Alternatives
 Torrid Credit Card |  Capital One Platinum Credit Card |  Avant Credit Card |
|---|---|---|
3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.3 User Reviews 2.7 Market Comparison 3.6 fees: 5.0 rewards: 3.0 cost: 3.8 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.6 Market Comparison 3.4 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 4.5 | 2.9WalletHub Rating WalletHub Rating 2.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 2.6 Market Comparison 2.6 fees: 2.8 rewards: 0.0 cost: 2.8 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$39 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR35.99% | Regular APR29.99% (V) | Regular APR35.99% Variable |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Torrid Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
1
Upvote
How can I pay my Torrid Credit Card?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You can make Torrid Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay Torrid Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make Torrid Credit Card Payment
- Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
- By phone: Call 1-800-853-2921 and enter your card information when prompted, then follow the prompts to make a credit card payment.
- By mail: Send a check or money order (but not cash) to
Comenity Bank
PO Box 650960
Dallas, TX 75265-0960.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too. - At a store: You can make a payment at any Torrid store location.
In conclusion, there are multiple ways to make a Torrid Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
1
Upvote
Where can I use my Torrid Credit Card?
Reply
1
1
Maria Adams, Credit Cards Moderator
@m_adams
You can only use your Torrid Credit Card for purchases at Torrid stores and torrid.com. This is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Torrid Credit Card offers accountholders 1 point for every dollar spent at Torrid. The card also has a $0 annual fee, so it might be worth getting for people who shop at Torrid...
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1
Upvote
What's the Torrid credit card credit score requirement?
Reply
1
Cedric Rosales
@cedric_rosales
To get the Torrid, you'd need a credit score of 640 or above. It's the general rule of thumb for store cards, and this one is no different. That being said, you can't get approved on score alone: they'll look at your whole file, and pay close attention to your income.
1
View more answers
1
Upvote
Can you pay your Torrid Credit Card in store?
Reply
1
Adam McCann, Financial Writer
@adam_mcan
Yes, you can pay your Torrid Credit Card in store. Any Torrid store should accept it and your payment will usually be posted to your account immediately. So this can be a good option if you need to pay your bill as quickly as possible.
Other Ways to Pay Your Torrid Credit Card
You can also pay your Torrid Credit Card bill online or over the phone at (800) 853-2921. Alternatively, you can make a payment via...
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4
Upvotes
How many sister stores does Torrid have? Can I use this card at those stores?
Reply
4
3
WalletHub
@WalletHub
It has no sister stores, unfortunately, which means you can only use your card at Torrid and torrid.com . Best of luck!
3
Upvotes
Do I get free shipping with my Torrid Credit Card?
Reply
3
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
No, you do not get free shipping with your Torrid Credit Card. At least, this is not a benefit offered directly by this credit card.
However, you can get free shipping by becoming a member of the Torrid Loyalist or VIP program, no card required, by spending $500+ each year. Apart from free standard shipping, both programs also come with special birthday offers and more.
2
2
Upvotes
Does the Torrid Credit Card do a hard pull for a credit limit increase?
Reply
2
Sydney Garth, Credit Cards Moderator
@sydneygarth
Yes, the Torrid Credit Card might do a hard pull for a credit limit increase, if you request it. Automatic credit limit increases, on the other hand, will only result in a soft pull.
In case you request a credit limit increase, you can avoid being denied by making sure your account has been open for at least 6 months. And for better chances of being granted one, always pay your bills on time and in...
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1
2
Upvotes
How much is the Torrid Credit Card inactivity fee?
Reply
2
Robin Dunstop
@robin_dunstop
There is no Torrid credit card inactivity fee, though they might close the card.
That being said, it'll take about two years without any activity before they consider closing the account. And even if it comes to that, you'll get a letter warning you about it ahead of time so you can make a purchase and avoid it.
1
1
Upvote
How long does it take to get approved for the Torrid Credit Card?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
You can get approved for the Torrid Credit Card immediately after applying if your application meets the issuer's exact criteria. However, if you don't get a decision immediately after applying, it doesn't mean you won't have a shot after your application is reviewed in more detail. In that case, you will receive a decision in the mail in 7-10 business days after applying.
If you haven't heard back after 10 business days, then give customer service...
show more
1
Upvote
How do I increase my Torrid Credit Card credit limit?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
You can increase your credit limit by using the card regularly, staying below your credit limit, and paying more than the minimum amount due each month. does not accept credit limit increase requests from cardholders, though they do keep track of your account activity to see if you are eligible for a credit limit increase. If you do qualify for a higher credit limit, the increase will apply automatically, and you will be...
show more
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Torrid Credit Card Reviews
Share your insights and review for the Torrid Credit Card
5
23%
4
13%
3
14%
2
13%
1
37%
2.7
152 reviews
152 reviews
What's Your Rating?
Most Recent
Samantha Ramos
@samiegirl78
1 Star Rating
Owed a small balance of $7 for an item that was never received. The Torrid credit card charged me a $30 late fee for not paying the amount that was disputed, even after I called them to inform them that I was paying my balance minus the $7. The lady transferred me to escalation, which said I should have paid the $7. I then asked to speak with her supervisor, and she hung up on me. I'm not sure how they do not comprehend that a customer should not pay for something they never received, especially if I was pending credit which was, unfortunately, received after the due date. They can clearly see Torrid issued the credit for the exact amount. I will report them to the FCC and BBB for bad, unethical practices. I spoke to three people prior to my due date, and no one offered to dispute the amount after I informed them of the scenario, only after the fact. Unprofessional!
Comment
Margaret E Paradiso
@margaret ep
2 Star Rating
Torrid closed my account before I could use their card. Very disappointed as my daughter is a great promoter of the store. I have no idea what was behind that decision.
Comment
Tori Judkins
@inkedupbella
1 Star Rating
They will charge you interest even after you have paid off your balance in full, and they do not send adequate notification when your account is past due. When you contact their customer service regarding the interest, which should not have been charged, they are either rude or unhelpful. I have never missed a payment in my life, yet it is reflecting on my credit report and will impact me for the next seven years, having dropped my score by over 100 points. This is extremely frustrating, especially when I am looking to purchase a house—now I will be unable to do so unless the credit bureau removes the late payment that I should not have received. They need to implement a "pay in full" option to prevent this from happening again—not that I would ever carry balances with this company again or open any line of credit with them. Save yourself the hassle and DO NOT get this credit card.
Comment
agkean94
@agkean94
1 Star Rating
Worst credit card ever. It was very easy to apply and be approved, and I go to Torrid enough that I thought the card would be a good idea. Boy was I wrong. The website to manage your account is atrocious. It's very hard to navigate, and their customer service is practically nonexistent. I made my payment in full, but I must have typed my account number wrong (my fault), so it was returned. I didn't receive an email, text, call, or notification of any sort. So, of course, it was then late. But when I went to make the payment again with the correct information, the late fee wasn't posted. Then a month later, I got a late fee and interest charged for that late fee. So on a $100 purchase, I ended up paying over $170. As soon as I can, I'm closing this card. I just hate that it will negatively affect my credit, so don't waste your time.
Comment
Teresa
@horseluv64
5 Star Rating
I love Torrid and will continue purchasing from them. However, this account has been paid in full and needs to reflect that fact on my credit.
Comment
Keshia
@Keshia1967
2 Star Rating
Lowered my credit limit with no reason or notice. Overpriced clothing in the stores.
That's it
Comment
Michelle
@michelle_123067
5 Star Rating
I love my Torrid credit card, they have the best sales. 5% off when using the card. Special features during sales,earning Torrid cash and being able to use it on certain things
Comment
Brenda
@walschbrendacc
1 Star Rating
Torid credit card had never updated. This account was opened 4/22 and closed 7/22. It is still showing up as I owe a balance. Very disappointed!!
Comment
Tonya
@shattereddreams160
5 Star Rating
I love my torrid card! I found a store that has such nice and comfortable clothes and fit me nicely! This card gives me the freedom to purchase clothing I love and earn torrid cash and points in the process!
Comment
Nora
@nmsully73
2 Star Rating
I’m not happy as I was attempting to make payments on the app and it’s been impossible for me to find. So I was directed to oay conedity bank which I have been doing thinking it was for the torrid Acct. Now my credit I’ve been working so hard to get in a good place. I’ve now had this card cause my credit to go down but it’s due to the lack of ease in making payments. I would not let my credit go down so much over a $40 bill. M very upset at the lack of ease to making payments as well as my credit going down due to lack of a simple communication on making a payment. I feel very disappointed that I opened an Acct w torrid as it’s hurt my credit at a time when I truly neec it to be over 600. I have attempted to send info in to get this negative mark iff my record and have not gotten any response. I hooe you can fix this as it’s going to impact my entire life.
Comment
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