The Ultimate Guide to Credit Cards
Monday, February 6, 2023

Torrid Credit Card Review (2023)

Torrid Credit Card Review ([current_year])

Store Credit Card

Brittney Mayer

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on, Eric has appeared regularly on, eHow, WiseBread, The Nest,, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Reviewed by: Adam West

Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Advertiser Disclosure

A popular plus-size apparel company, Torrid started as a subset of Hot Topic, a retailer specializing in "counterculture" apparel and accessories. While Torrid originally mimicked Hot Topic's alternative styles, it later branched out from the edgier retailer, becoming its own LLC in 2015. The new Torrid offers a wide range of more mainstream clothing styles for women and girls in sizes 10 to 30, with over 400 stores across the US.

Like many popular retailers, Torrid offers a closed-loop consumer credit card for those who want to save a little on their branded purchases. Unlike most other store credit cards, however, the Torrid Insider Credit Card is a little light on the rewards, good only for the occasional coupon or special offer. And while the card doesn't have an annual fee, the high APR makes it a questionable addition to your wallet.

Torrid Card Overall Rating: 2.0/5.0

The very first thing a potential applicant should notice about the Torrid Insider Credit Card is its 26.24% APR, a number nearly twice as large as that charged by some of the better open-loop consumer cards. It's also an interest rate that makes it a pricey way to finance a purchase if you can't pay it off right away.

The next thing you'll likely notice when investigating the Torrid Insider Credit Card is that it doesn't actually offer any purchase rewards you can't get without signing up for a credit card. In fact, you can earn rewards points on your Torrid purchases simply by becoming a member of the Torrid Insider program — no card required — and pair them with Torrid coupons for real savings.

Torrid Credit Card

  • APR: 26.24% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Earn two 30% off shopping days per year
★★ 2.0/5.0

As a member of the Torrid Insider program, you'll earn 1X point per $1 spent, receiving a $10 Reward for every 200 points you earn. Those who earn 1,000 points or more each year can qualify for Platinum status and boost their earning to 1.5X points per $1. Platinum Insider members also receive free standard shipping and special birthday offers.

So, what do you actually get for opening a Torrid Insider Credit Card account? A small signup bonus of a $20 Reward, though your bonus is only for Torrid purchases. Cardholders will also get 25% off their first Torrid Insider Credit Card purchase, as well as two discounted shopping days each year during which you'll receive 30% off your purchases. While these are decent discounts, they're likely not worth holding onto a credit card year-round.

Approval Requirements & Application

While the "rewards" associated with the Torrid Insider Credit Card aren't much, the card does have one thing that may make it more appealing to certain shoppers: flexible credit requirements. Your best chances of being approved will come if you have at least fair credit, but some reviewers have reported being approved with credit scores in the 500s.

To apply for a Torrid Insider Credit Card, you can head to your favorite Torrid location, or apply online through the link below.

Better Cards to Use at Torrid

Considering the lackluster perks associated with the Torrid Insider Credit Card, it's not hard to think of better credit cards to use for saving on your apparel purchases. Whether you want to earn cash back or travel miles, even the most basic rewards credit card can provide a higher rate of return than the 0% offered by the Torrid card.

And that's not even starting in on the super high APR. If you ever carry a balance on your credit card, you're better off avoiding the Torrid Insider Credit Card, particularly when there are so many awesome 0% APR intro-offer options available.

Cash Back

In today's credit card market, cash back credit card rewards have become commonplace, with nearly every card issuer having at least one quality cash back card in its arsenal. In other words? With very little effort, you can find a better rewards card than the Torrid Insider Credit Card. Moreover, you can even find cards for bad credit that offer better rewards and more usability than the closed-loop Torrid card.





  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
19.24% - 27.99% Variable

0% APR

Letting credit card interest accrue on your purchases is an easy way to turn a great deal into an expensive mistake — particularly when they're high-interest fees like the 26.24% APR charged by the Torrid Insider Credit Card. No cute top is worth paying 26.24% interest. Instead, if you know you'll need to carry a balance for a few months (or up to 18 months), you should turn to a card with a good introductory 0% APR offer that can give you interest-free financing for more than a year.

BankAmericard® credit card Review

at Bank Of America'ssecure website





  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 21 billing cycles for purchases
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
16.24% - 26.24% Variable APR on purchases and balance transfers

Additional Disclosure: Bank of America is a CardRates advertiser.

Travel Rewards

As with cash back cards, even the most basic travel rewards credit card will offer you better purchase rewards than the Torrid Insider Credit Card — and these rewards can get you free flights and hotel stays. After all, what good is a new wardrobe if you have nowhere awesome to wear it?

Discover it® Miles Review

at Discover Card'ssecure website





  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
16.24% - 27.24% Variable APR

Other than its sporadic discounts, the Torrid Insider Credit Card doesn't have much to offer, making it easy to find better alternatives on basically every front. From purchase rewards to interest rates, most regular consumer credit cards will be a better option and provide more utility.

What Others Say About the Torrid Credit Card

Despite the so-so rewards, many reviewers are happy with their Torrid Insider Credit Card, particularly with the annual discounts. On the other hand, a number of reviewers report trouble accessing online accounts, making payments, and with unused cards being canceled without any advance warning.
A review from says:

The benefits are mediocre at best. Torrid emails and mails coupons every once in a while. Considering how expensive this store is, I think the rewards/discounts suck. This card is also connected to Insider. This is not a major credit card, it can only be used at Torrid stores and on their website. It is issued by Comenity. The Torrid card application listed a 26.24% APR and this is definitely high, especially for those people who procrastinate on making payments… Or can't resist spending money that they don't have. This card is a poor choice if you ever carry a balance. The Insider rewards gives a $10 rewards certificate per 200 points earned and that’s a 5% rebate. Aside from that, there are also specials and promotions and whatever the first purchase discount may be (which was 15% off the first purchase as I’m writing this). —

A review from says:

I got approved for a Torrid insider credit card when my credit was in the 500's! I pay my bill on time, every time. I started with a $250 credit limit, and they just increased my limit to $690! I have had zero problems with this card. I have only had to call customer service two times, but it was only for reordering a new card that I lost. They were nothing but professional to me, and they handled my problem promptly! I am obsessed with Torrid! I recently added my husband as an authorized user, to help his credit. His credit, and mine, have gone up since having this card. I am forever grateful for Torrid Insider Credit Card. Thanks for the ability to buy awesome clothes! —

★★★★★ 5.0/5.0
A review from says:

The Torrid card comes with some potentially valuable discounts and access to exclusive offers. However, you don’t have to be a cardholder to join the store’s rewards program. You could, then, double dip by earning points through Torrid’s loyalty program while simultaneously earning cash back with a different and more flexible credit card. Due to the limited nature of the Torrid card, that will probably be the best option for most people. Avid Torrid shoppers who make at least a couple of big purchases a year, though, may still want to consider the store’s credit card. It comes with two 30 percent off passes a year, which could be quite valuable if you spend a lot. If you don’t, it’s probably not worth getting the card. The other benefits of the card include a couple of small welcome offers and occasional access to exclusive sales. There is no annual fee. —

★★★★ 4.0/5.0

Is the Torrid Card Right for You?

For all intents and purposes, the Torrid Insider Credit Card is little more than a discount card — and a poor one, at that. Unless you limit your apparel shopping to two major hauls each year, you likely won't take full advantage of the two 30% discount days, and that's the only real benefit the card offers once you've used up the signup bonus and one-time discount.

Bottom line, unless you can really make the most of the discounts the card offers, go with a better, open-loop rewards card. If you're a regular Torrid shopper, the Torrid Insider program is a good deal, but the Torrid Insider Credit Card will only cost you a hard inquiry on your credit report and add clutter to your wallet.

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.