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  Torrid Insider Credit Card

Torrid Insider Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Torrid Insider Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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

Torrid Insider Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Torrid Insider Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 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 stand a chance of qualifying if your credit score is not below 600.
Torrid Insider Credit Card Pros & Cons
The Good The Bad
  • No annual fee
  • 30% off cardholder shopping passes (twice per year)
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Torrid Insider Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • High interest rate
  • This is a store card only.
  • Higher than average purchase APRs.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
Torrid Insider Credit Card FAQ

Is there a Torrid Insider Credit Card cash back or rewards program?

Torrid Insider Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Retail
Torrid Insider Credit Card Rewards
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 Insider Credit Card have a signup bonus?

Yes, Torrid Insider Credit Card offers card users a signup bonus worth up to $15 after spending $50.

Does Torrid Insider Credit Card offer an annual loyalty bonus?

Torrid Insider Credit Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Torrid Insider Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Torrid Insider Credit Card has higher than average purchase APRs.

Torrid Insider Credit Card has a variable purchase APR starting at 27.24% .

Does Torrid Insider Credit Card have an introductory APR offer on balance transfers?

No, Torrid Insider Credit Card does not come with an introductory APR offer for balance transfers.

Does Torrid Insider Credit Card have an introductory APR offer on new purchases?

Torrid Insider Credit Card does not offer an introductory rate on new purchases.
Torrid Insider Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Torrid Insider Credit Card?

The following fees apply to Torrid Insider Credit Card:

Torrid Insider Credit Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $39

Does Torrid Insider Credit Card report your account activity to credit bureaus?

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 can help improve your credit.

How to apply for Torrid Insider Credit Card

  • Visit the Torrid Insider 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About Torrid Insider Credit Card

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View all personal credit cards offered by Comenity

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Bonus Rewards $15 off $50 Welcome Offer (when your card arrives) 25% off your first Torrid Credit Card purchase
Rewards Categories Retail
Signup Bonus $15
Balance Computation daily balance
Purchase APR (Variable APR) Starting at 27.24%

Torrid Insider Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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