Having store-branded Credit cards is often a useful strategy to save some money. You can get several bonuses and rewards for using these cards in specific stores. One such useful card is the Torrid credit card. 

The Torrid credit card is a “closed-loop” card, which means you can only use the card exclusively at Torrid stores. You get to enjoy cashback and special discounts for your purchases if you pay your bill using the card. The card comes with easy and simple policies to make its users happy and satisfied.

Let’s explore the benefits, setbacks, how to use, and other relevant factors to help you make a decision on whether you should take one for yourself. 

Torrid Credit Card: An Overview

Torrid has become a reliable source of plus-size clothes. While most brands are focusing on tight-fits or slim-fits, Torrid was launched with a unique vision in 2001. They introduced the Torrid credit card at the same time to ensure that customers get to enjoy convenient shopping. 

The card is highly user-friendly and always has something for its users to cheer them up. You can get points for making purchases with the cards that you can redeem later and enjoy extra bonuses and discounts. Additionally, there are also ongoing discounts and cashback for the cardholders. 

As a user of the Torrid card, you do not have to pay any annual fee. This makes the card more acceptable among the customers of the brand. However, there are a few additional or extra fees, like late fees and returned payment fees. 

Torrid credit card is only acceptable in torrid stores. You cannot use it in other shops or for other financial purposes other than shopping from Torrid. You can apply and receive your card with some simple steps within a very short time. 

All in all, the card makes a good money-saving asset for those who shop from Torrid on a regular basis. It saves you from carrying too much cash as well as saves your money with cashback and other bonuses. 

Benefits of Using Torrid Credit Card

The Torrid credit card has several benefits in store to satisfy its users. From welcome bonuses to regular cashback and discounts make the card much appreciated among the users. Here are the benefits of using the card:

1. Welcome Bonus

You must have heard people complaining about certain cards that do not have any welcome bonuses. Well, you will have no such chance with Torrid. The card has several bonuses to welcome you. You will receive 40% off for online purchases. Additionally, you can get a $15 coupon for spending $50 or more on your first purchase online. 

2. 5% Discounts 

Apart from the 40% off, you can enjoy another 5% discount on your purchases at Torrid stores. However, you are not allowed to combine the offer with another offer. 

3. Store Loyalty Program

Taking the card will make you eligible for this program. There are three tiers of the program, and they are- Insider, Loyalist, and VIP. In which category will you belong? That will depend on how much money you spend purchasing from Torid.com or Torrid stores.

4. Collect Points and Redeem

You can get 1 point for spending every single dollar using the card. And that is not the only way of collecting points. You can also gather points in different ways, such as:

• Opening the store’s marketing emails
• Sharing a product review
• Sharing a product on your social media accounts
• Linking your Instagram account to a Torrid Rewards account
• Posting photos on Instagram

5. No Annual Fee

Another major benefit that makes all the above benefits even more lucrative is that there is no annual fee for the card. It means you can enjoy all these benefits absolutely for free!

6. Credit Scores

You can also increase your credit by utilizing the card regularly and wisely. Your card using the report is sent to credit bureaus. So, if you use the card fairly, you can get positive scores, which will improve your overall credit. 

7. Additional Offers

Being a cardholder, you will be eligible for occasional sales and discounts provided by Torrid. You will receive a birthday gift from Torrid. It shows that they care about you. 

8. Fair Credit Required

Torrid credit card is offered by Comenity Bank, and they do not demand you to have an excellent or good credit history. You can apply and get your card with a fair credit history. It makes the card-receiving process much easier.

How the Torrid Credit Card Works

You need to enter the Torrid Rewards store loyalty program in order to qualify for the Torrid Rewards credit card. You can join the reward program for free, and there is no annual charge either. 

You can earn points and Torrid Cash in different ways. Gather your points and rewards and then redeem them to purchase your favorite products. You can use the Torrid cash both online and in the brick and mortar stores. 

The card is only acceptable in Torrid stores. There are more than 600 physical stores of the brand across the United States. You can use your card at any of these stores. You can also share your points if you do not want to use it. 

You will have to pay your credit by the due time every month. If you do not pay the credit, there will be an added interest charge. The APR of the card is much higher, which is 29.25% as of the new update. There will be late fees as well if you do not pay your balance on time. You will get to learn about how to dodge late fees in the later portion of the article. 

How to Redeem and Share Your Torrid Rewards

Note that there is an expiration date for your points and rewards. You should use them before they expire. The process is quite simple and straightforward. You can earn points for every dollar. Additionally, you can earn points in different other ways mentioned earlier. You receive $25 Torrid Cash for spending every $50.

• Go to the website and log in
• Then click on “My Account” and see the rewards you have gathered and also check the expiratory dates
• Now select the reward you want to use during checkout

It is as simple as that. You can use the Torrid cash in-store as well. Got too many rewards? Or are you not in the mood to shop right now? Then, you can share your gift instead of wasting it. Here is how you can share your rewards:

• Go to the official website of Torrid- Torrid.com and sign in to your account.
• Now click on My Account and go to the Torrid Cash page.
• You will notice that they are linked next to the eligible Torrid Cash. Select the one you want to share
• You will be asked for the email address of the person you want to share the reward with
• Enter the address and click next. There will be additional instructions on your screen to complete the process. Note that once the gift is sent, it cannot be undone. 

How to Get Your Torrid Credit Card

Aren’t all the benefits lucrative enough to lure you to get one for yourself? You should get one if you regularly shop from Torrid. The application process is quite simple. You should check your eligibility first before applying. You need to meet the following requirements for eligibility:

• Fair credit: The card is offered by Comenity Bank, and it requires you to have a fair credit history. 
• Age: You should be at least 18 or at the age of majority in your state to apply for the card
• Address: You must have a U.S. address for eligibility to apply for the card
• Credit score: You need to have at least a credit score of 640 to get the card

Once you have checked and ensured that you meet the requirements, you are okay to apply for the card. The process is no more difficult than the other process of the cards. Follow these instructions:

• Go to the credit card application page. You will find here the outline of some of the card’s application requirements and benefits. Read them carefully, as it will help you understand the policies of the card better. Once done, click on “Start application.”
• The new page will ask for your personal information. It can ask for the following information-

– Your first name

– Middle name

– Last name

– Preferred suffix

– Social Security Number, and

– Date of birth

• The next section of the page will ask for your address. Provide the necessary information. Make sure you are giving all the correct information and not impostering someone else. 
• Click on the “Continue” button after you have given all the information. It will be driven to the terms and conditions page. 
• You must read the full document carefully. Don’t be lazy as it is an important financial affair. You can call customer support in case you find it difficult to understand any of the terms or policies. 
• After reading the document, click “print” or save a copy for records before submitting your application. 

It can take up to 7 to 10 days for the card to arrive after you submit the application. Now, you have to activate your card before you can use it. Activating your Torrid card is not very difficult. Call the activation number at 1-800-853-2921. You can activate it online as well by visiting the Comenity Bank website. There, you will get the necessary instructions. 

How to Use Torrid Credit Card

Once you have received and activated the card, you are ready to use it both online and in physical stores. You can use the same card in all the stores of the brand. 

1. How to Log In to Torrid Credit Card

• First, you need to go to the website of the Comenity Bank and then go to the Torrid card page.
• You will find boxes to input your username and password. Give your information carefully and correctly.
• Now click on “Sign IN.”
• You can be asked for two-factor authentication. A code will be sent to your email or phone number for verification.
• You will be logged into your account. Now, you can check your balance, see your payment history, make payments, and manage your rewards. 

2. Forgot Your Torrid Password?

Forgetting passwords is not a rare thing in our lives these days. There are too many passwords to remember. Anyway, if you forget the password of your Torrid credit card, you can easily reset it in the following way:

• Go to the sign-in page of the card.
• Now, instead of giving your username and password, click on “I forgot my password.”
• The new page will ask for your email address or phone number. You should input the email or phone number that is linked to your account.
• Give your email address correctly, and you will be provided with a password reset link to your email address. There, you will get additional instructions to reset your password. 

3. How to Do Shopping with Torrid Credit Card Online

You can use the card both in brick-and-mortar stores and on Torrid’s online website. To shop online with the card, follow the below steps:

• Visit the Torrid website and sign in to your account using your username and password
• Now, navigate through the website and see all the collections to choose the ones you want to buy
• Add the items to your cart as you normally would do
• After adding all the items to your card, proceed to checkout. 
• You will find multiple payment options at checkout. Select the Torrid Credit Card as your payment method 
• You will be asked to give the necessary information about your card
• Now, insert the payment amount and submit your payment to complete the transaction. 

How to Pay Your Torrid Credit Card

You should pay your Torrid Credit Card on time. They have multiple options to pay the credit. You can pay in any of the options you find convenient. Let’s show you how to pay your credit in all the different methods. 

1. Via Phone

Paying via phone is a simple approach. You will require no internet connection. So, in case you are in a remote area where the internet connection is not so strong, you can pay via phone. Here is how you can do it:

• Call customer service at 1-800-853-2921, and you will be directed to an automatic line.
• Give them your credit card information, bank account information, and other necessary relevant information to process the payment.
• You can also call an expedited phone number to make your payment immediately. It will cost you $15. The normal phone call does not have any fee, by the way. 

2. Via Mail

Mailing your bill is another convenient option to pay your card. Wondering why should anyone pay their bill through the mail? Well, you do not require any internet connection, nor do you need a phone. Besides, paying your bill via mail allows you to keep a physical record of your payment. However, you should remember that this process takes longer than the other options. 

If you want to pay your credit card via mail, then use the following address:

• Comenity Bank
• P.O. Box 659584
• San Antonio, TX 78265-9584

3. Via Online

Paying your credit card online is the most convenient option. It is a very fast payment process as well. Check the online bill payment process here:

• First, go to the Comenity Torrid account page and input your username and password to log in to your account.
• You can now check your payment summary, due balance, and payment link.
• Check the payment section to see the complete details of the payment.
• Now, click on the payment link to begin the payment process.
• Now, add the bank account information you want to use to make the payment.
• Enter the amount you want to pay. You can pay the full amount, or you can choose to pay the minimum amount.
• Select the date you want to set for the payment. You can also make it an immediate payment if you wash to
• Review all information before submitting and completing the payment process.

4. In-store

Don’t want to do it yourself? Afraid of making any mistakes? Then you can walk into the nearest Torrid store. Talk to the staff members and inform them that you want to make a payment. The Torrid representative will help you complete the process. You have to provide the necessary information about your card and bank account to the representative. 

5. Use comenity’s EasyPay

Since Comenity Bank is the Torrid Credit Card issuer, you can also use the EasyPay facility for Torrid. It is a convenient way to pay your card bill without logging into your account. Here are the instructions to use the EasyPay service for your Torrid card:

• Go to the Comenity Bank website and select Torrid card.
• Check the top menu for the EasyPay link. 
• You will be given an online form asking for necessary information such as your account number, social security number, and ZIP code. 
• Press the “Find My Account” button after providing all the information.
• Once your account information is identified, you can use any available online payment system to pay your credit card bill. 

6. Use the Torrid Mobile App

Like all the big brands, Torrid has also developed a mobile application to offer digital convenient shopping to its customers. You can also use the application to pay your credit bill. The application is available for both iOS and Android. It is a simple way to pay your bill. 

What Is the Minimum Payment for a Torrid Credit Card?

There is a minimum amount you have to pay by a certain date when you get your credit card bill. The minimum payment of your credit depends on several factors, such as your credit balance, APR, months to pay off, total interest, and total payments. If you have a balance of $29 or below without the addition of a late fee, then you will have to pay the full amount.

The minimum amount will be $29 or 1% of your current balance, whichever is greater. For example, suppose your current balance is $500. 

1% of 500= $5. Here, $29 is greater than $1, so you have to pay at least $29.

However, if your balance is, let’s say, $5000. Then the 1% is equal to $50, which is a bigger number than $29. In this case, your minimum payment will be $50. A fee will be added if you have not paid the bill on time. 

How to Use Torrid Credit Card Responsibly

Getting a credit card is easier than using it responsibly. Using a card responsibly helps build your credit score, manage your finances, avoid debt, and increase your rewards. You can ensure the responsible use of your card by maintaining the following tips:

1. Pay on Time

No matter what credit card you are using, you should always make your payments on time. It improves your credit score and lets you build a healthy credit history. You will benefit largely later from this. Besides, if you do not pay the credit on time, you will be charged with late fees. 

2. Try to Avoid Carrying A Balance

The best practice is to keep your balance $0 by the end of a month. It will save you from the high APR, which is nearly 30% at the moment. You should intend to pay off your balance in full to avoid the high rate of internet charges. 

3. Use Your Rewards Wisely

Torrid offers several offers, discounts, and rewards to attract customers and lure them to spend more. You should be wiser in this regard. You have to use your rewards wisely. Make sure you are not overspending to collect and redeem your rewards. It will, in the end, drain your money. 

4. Keep an Eye on Your Account

Many users make it a habit to check the card only before making a payment. You should do better than this: Check your card regularly and monitor your activity. This will help you spend your money wisely. 

5. Card Utilization

It refers to how much money you spend on your credit line. You can use your credit limit if you want, but experts suggest not to do so. They advise you to spend only 30% of your credit limit. It shows you are good at money management while being a regular shopper. 

6. Not Using the Card Is Not Good

Before applying for the card, you should reconsider whether you actually need the card. If you do not use the card after receiving it, you will lose your points, Torrid cash, and rewards, and it may also affect your credit history. 

How to Avoid Late Fees on Torrid Credit Card

If you do not pay your credit on time, you will be charged a late fee. And the late fee in Torrid can be as high as $41! Therefore, you should pay your credit on time to avoid the fee. You can avoid the late fees in the following ways:

• Make sure you are making your credit payment on time. The late fees will only be added when you are late. But if you are on time, there is no penalty fee. 
• You can set a reminder on your calendar. Every smartphone has a calendar that you can link to your Google or other email account. Set a reminder there one day prior to the date of the month you prefer to pay the bill. This way, you will have time to prepare. 
• You can also set an automatic payment method to pay your Torrid Credit Card. It is also very simple. Login to your account. There, you will find an option to enroll in the automatic payment plan. This feature is free of cost, too. 
• Keep track of your bank balance. Setting an automatic payment is not the final solution to your payment problem. If there is not enough money in your bank account, the automatic payment will not work. Therefore, check your balance before the payment date. 
• Adding an authorized user who can use your account online is another effective precaution to avoid late fees. The authorized user can pay the bill in case you are not in the condition to pay the bill. 
• Call the customer service in case you are not financially able to pay the bill on time. Request for an extension of the payment date. If you have a good credit history, they may consider it once or twice. 

Setbacks of Torrid Credit Cards

You can see that the Torrid Rewards credit cards have many benefits to offer. However, there are a few drawbacks as well that may lead you to reconsider your decision whether you should take the card or not. Here are the setbacks of the card:

1. High APR

As much as the benefits the card offers, the high APR is a great disadvantage. The APR, which is nearly 30%, can drain your pocket if you carry a balance on your card. In other words, the amount of money you will save will get drained easily if you do not pay the bill. 

2. Extra Fees

Though there are no annual fees, the card takes extra fees from you. For example, if you make it late to pay your credit, you will have to pay a late fee. The late fee can mount up to $41! There is also a fee for returned payment. The return payment is up to $25! These additional fees make the card not so pocket-friendly. 

3. Limited Rewards

Another major drawback of the card is that there are very few rewards for the users. It only offers 5% discounts on purchases at Torrid stores. Other than this, there are not very rewarding programs. Besides, you get a 40% discount on your first online shopping. However, you will have to make a purchase on the same day you receive the card. 

4. Limited Usability

The Torrid card can be used in Torrid stores or on Torrid websites only. It is not accepted by other brands. It makes the usability of the card very short. It would have been better if Torrid could make partnerships with other brands and increase the acceptability of their card. 

Alternatives to the Torrid Credit Card

Since we have already talked about the drawbacks of the card, let’s see if there are any alternatives. Actually, there are quite a few alternative cards available. But the best three options are Chase Freedom Flex, Amazon Prime Rewards Visa Signature, and Wells Fargo Active Cash Card. The following table will help you get a comparative look at these cards:

You can see from the above table that despite having low acceptability, Torrid cards have more or the same benefits. Late fee is available on all credit cards; the difference is in the amount, and that is 1 or 2 dollars. 

The return fee of Torrid is only $25, which may sound higher. But when you compare it with other cards, such as Chase Freedom and Wells Fargo, you can see that the return payment fees are even higher on those cards.

The interest rates in Torrid and Chase Freedom Flex are the same. Amazon Prime Rewards Visa Signature and Wells Fargo Active credit cards have variable APR. It can be a little less if you hold a good credit history. Otherwise, the APRs will be the same as Torrid. 

The only exception is that the other cards have more acceptability. You can use the Amazon signature anywhere that accepts a Visa card. As for Freedom Flex, it has a long list of accepted places where you can use the card, about 175 brands. Wells Fargo is also associated with Visa, so you can use the card globally, where Visa credit cards are accepted.  

Additionally, the welcome bonuses on Chase, Amazon Signature, and Wells Fargo are much higher than Torrid. However, Torrid lets you have a cashback for spending only $50, whereas the other cards require you to spend a minimum amount of $500. 

When it comes to cashback, you can get cashback on Torrid for regular purchases. That is, too, only 5%. Chase Freedom, on the other hand, allows you cash back for spending on travel, rotating categories, and others. You can get a 5% discount on Amazon by using your card and also on Whole Foods. Wells Fargo offers 2% cash back on any purchases. 

Is the Torrid Credit Card for You?

You have already learned the necessary things to know about the Torrid Rewards credit card, including the pros, usings, rewards, how to get it, and the setbacks. So, what do you think? Should you get the Torrid card? 

The decision should be made on your personal preferences. Go through the credit card’s pros and cons again. But to help you out, here are a few factors that can help you make your decisions. These factors are to show who should use the card.  

Torrid Users with Credit Card vs No Credit Card

So, you can see from the prior discussion that the Torrid card is recommended to those who shop from the Torrid stores. But what if you shop from Torrid and do not use the card? You can still earn a point for spending every $1. Well, there are more differences between the two types of users. The following table will help you understand that:

FAQ

How to add an authorized user to your Torrid Credit Card account?

Log in to your Torrid credit card account and click on “add authorized user.” You will have to provide the necessary information of the person you want to add and submit the request. Comenity Bank will verify your request before approval. 

Can Torrid card members earn more points differently?

No, there are no exclusive point-earning benefits for card users only. Any registered member of Torrid can get 1 point for spending 1 dollar, with or without the card. 

Can Torrid credit card members earn more rewards differently?

No, you can only earn 1 point for spending $1. Your reward will be as much as $10, $15, or $20, based on your membership. Holding a credit card of Torrid does not influence the reward at all. 

How to use Torrid reward?

You can use a Torrid reward while shopping online. You can select the card while checking out as your payment method. You can redeem up to 10 rewards at a time online. You can also use the reward in stores by taking help from the associates of the stores. 

Is there an expiry date for Torrid rewards?

Yes, all your rewards have an expiration date. A reward remains valid usually for 45 days from the date of issue. You can share your rewards with your friends if you are not going to use them at this time. 

How do you check Torrid points and rewards?

You can check the balance of your credit, points, and rewards by signing in to your online account. You can also share your rewards from there if you want.

What is the credit limit of the Torrid Rewards credit card?

The Torrid credit card limit can start at $250, depending on your credit history. You can apply to increase the limit after a few months of using the card responsibly and keeping no balance or late fees.

What is the minimum credit score I need to request a credit card offered by Torrid?

You need to have a score of 640 to apply for the card. However, the score can vary depending on your credit history, location, and fair score. 

How much money do I need to deposit for a Torrid card?

You do not need to deposit any amount of security money. You can get the card without any deposit money and no annual fee. 

Can I apply for a Torrid credit card without a credit history?

As per the general rule, you need to have a fair credit history and a 640 credit score or above. However, based on your income and membership profile at Torrid, you may get approved for a credit card with no history.

Conclusion

Torrid Credit Card is a good option to save money if you are a loyal or regular customer at Torrid. With all the bonuses, rewards, pros, and user-friendly features, the card will make your shopping experience better than ever. Following the mentioned tips and instructions, you can use the card responsibly and build a good credit for further benefits.