Review: Torrid Credit Card

torrid-credit-cardPlus size retailer Torrid, in partnership with Comenity Bank offers a credit card that rewards you with points toward future Torrid purchases. But be careful! Our overview / review of the Torrid credit card is below:

The first thing to understand about the Torrid credit card is that it is only accepted at Torrid stores or, nowhere else. Here at Credit Card Catalog we are not fans of credit cards with such limited acceptance because each new credit card is a ding against your credit score. A single-retailer credit card must offer some compelling features to be added to your wallet.

Does the Torrid card offer any compelling features? For the very frequent Torrid shopper, maybe. Let’s look at what the card offers you beyond the ability to buy on credit:

  • A $10 rewards certificate for every 200 points earned. (This usually means for every $200 you’ve spent at Torrid, though sometimes you will get double-point opportunities to earn points faster.)
  • 15% off your first purchase with the card.
  • A birthday gift each year, most likely a discount offer
  • Other discounts exclusively for cardholders.

Not bad. However, there is still one more thing to consider: the Torrid credit card has an interest rate of 25.24%!!! That’s ridiculously high. If you EVER carry a balance on your credit cards, you do not want this card — the interest you pay will cancel out any rewards you receive.

With all that said, the choice is yours. You can apply for the Torrid credit card in a Torrid store or via this online application.

See also: Instant Approval Credit Cards, Which is the best credit card?, Torrid Credit Card Payment, Login, and Customer Service Information