
Torrid Insider Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) | Starting at 27.24% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Torrid Insider Credit Card Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Torrid credit card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $15 if you spend $50.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 27.24%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Torrid credit card
The Good | The Bad |
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Torrid credit card FAQ
Does Torrid credit card have a cash back or rewards program?
Torrid credit card is a rewards card. This card features rewards for purchases in the following categories:
- Retail
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | Starting at $15 |
Signup Bonus Spend Requirement | $50 |
Does Torrid credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $15 after spending $50.
Does Torrid credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Torrid credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Torrid Insider Credit Card has a variable purchase APR starting at 27.24% .
Does Torrid credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Torrid credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Torrid credit card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Torrid credit card?
The Torrid credit card customer service number is (185) 579-69632.
What is the support contact email for Torrid credit card?
The support contact email for Torrid credit card is webmaster@comenity.net.
What is the Torrid credit card login page?
You can access the Torrid credit card login page here.
How do people rate the customer service and user experience of Torrid credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Torrid Insider Credit Card report your account activity to credit bureaus?
Yes, Torrid Insider Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Torrid credit card
- Visit the Torrid credit card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (185) 579-69632
- Visit Site
- Email Support
Other Services by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
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- Michigan
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- Nebraska
- Nevada
- New Hampshire
- New Jersey
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- Ohio
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- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Starting at $25 |
Paper Statement Fee | $0 |
Late Fee Amount | Up to $39 |
Torrid Insider Credit Card Community Reviews
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