
Torrid Insider Credit Card
in Personal Credit Cards from Comenity
Would you recommend Torrid Insider Credit Card to your friends?
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 credit card issued by Comenity. If you're wondering whether Torrid credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Signup bonus. Offers a signup bonus of $15 if you spend $50.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 27.24%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval oods if your credit score is above600.
The Good | The Bad |
---|---|
|
|
Does Torrid credit card have a cash back or rewards program?
Torrid credit card is a rewards card. This card features rewards for purchases in the following categories:
- Retail
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $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. It has higher than average regular APRs.It 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.
How do people rate the customer service and user experience of Torrid credit card?
Overall, Torrid credit card is strongly not recommended based on community reviews that rate customer service and user experience.
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 - Visit Site
Other Services by Comenity

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Paper Statement Fee | $0 |
Returned Payment Fee | Starting at $25 |
Late Fee Amount | Up to $39 |
Torrid Insider Credit Card Community Reviews
Would you recommend Torrid Insider Credit Card to your friends?
Comenity Personal Credit Cards
- Annie Sez Visa Card
- Berkshire Bank Visa Signature® College Real Rewards Credit Card
- Black Hills Federal Credit Union Visa Cash Back Credit Card
- California Coast Credit Union Platinum Secured Mastercard®
- Evine Credit Card
- Exchange Bank of California Secured Card
- Expedia® Rewards Voyager Credit Card
- Horizon Gold Card
- Hudson Valley Federal Credit Union Visa Platinum Rewards Credit Card
- NAPA EasyPay Credit Card
- Nissan Visa Card
- Norwegian Cruise Line® World Mastercard®