Torrid Credit Card: Complete Review

Torrid Credit Card

We cover most of what you need to know about the Torrid credit card. Torrid started its business journey as a division of Hot Topic, a retailer that specializes in “counterculture” wear and accessories.

It has developed into a popular vast apparel company, While Torrid originally imitate Hot Topic’s alternative styles, but later carved out to become on its own in 2015.

Today, 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.

Just like many other popular retailers, Torrid offers a closed-loop consumer credit card for people that are willing to save a little on their branded purchases.

Unlike most other store credit cards, however, the Torrid Insider Credit Card offers few rewards, and it is good only for the occasional coupon or special offer. Even though the card doesn’t have an annual fee, the high APR makes it a thing of worry.

Better Cards to Use at Torrid

Looking at the uninspiring bonuses that come with Torrid Insider Credit Card, one will rather consider other Store Credit Card as options that come with better savings on your apparel purchases.

Such optional Cards earn cash back on travel miles with the most basic rewards, also they provide a higher rate of return more than the 0% Torrid card offers.

Whenever you carry a balance on your credit card, is better to avoid the Torrid Insider Credit Card, particularly when there are so many awesome 0% APR intro-offer options available.

Key Takeaway

  • The Torrid operates a Torrid Insider Credit Card.
  • It offers earnings of 200 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cashback on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No minimum to redeem for cashback. Cash Back rewards do not expire as long as your account is open.

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Basic five things to know about the Card.

Cash Back

The Credit Card market is an inspiring one but also competitive. It is in this light that, Store Credit Card operators/issuers have come out with various perks, benefits and rewards that will entice the customer while making their decisions on the best card to use.

Cashback credit card rewards have become one of the strategies with nearly every card issuer having at least one quality cashback card in stock.

With this, 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. Torrid credit card, Torrid Gift Cards

When you allow your credit card interest accrues on your purchases, that becomes the biggest mistake considering the high-interest fees of 26.24% APR charged by the Torrid Insider Credit Card.

But when you are sure of carrying 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.

Travel Rewards

As regards cashback cards, yet 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.

What Others Say About the Torrid Credit Card

There are various rewards that come with Torrid Credit Card, that make Cardholders happier and excited while using Torrid Insider Credit Card, most importantly with the annual discounts.

However, many cardholders report having issues accessing online accounts, making payments, and with unused cards being cancelled without any advance warning. 

Is the Torrid Card Right for You?

Torrid Insider Credit Card is somehow little more than a discount card -and a pitiable one, at that. This limit your clothes shopping majorly in two hauls yearly, such that you are under the probability of taking 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.

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Bottom Line

If you shop at Torrid regularly, 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. Therefore, ensure you make use of the discounts the card offers by going with a better open-loop rewards card.

Approval Requirements & Application

While the “rewards” associated with the Torrid Insider Credit Card may not be a great deal, but the card does have one thing that can 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 people have reported being approved with credit scores in the 500s.

To apply for a Torrid Insider Credit Card, you can go to your favorite Torrid location, or apply online through their website.

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