Torrid Insider Credit Card

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
No annual fee 30% off cardholder shopping passes (twice per year) No annual fee. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. Torrid Insider Credit Card reports to multiple credit bureaus.	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 benefits.

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

Torrid credit card Rewards

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

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% .

What are the fees for Torrid credit card?

The following fees apply:

Torrid credit card Fees

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.

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.