Full Review

Nice initial discount. You will receive 25% off your first online purchase with the Torrid Credit Card, which could save you a bundle if you time things right. This isn't the biggest first-purchase discount available from a store card but it's still a great deal if you're planning a Torrid shopping spree.

Very good ongoing rewards. You will earn 1 point for each $1 that you charge to the Torrid Card, which might not sound like a lot but actually works out to 5% cash back (spending $200 earns you a $10 gift certificate). That's already right in line with what the best store credit cards offer on an ongoing basis, and the deal's sweetened even more by two 30%-off days each year. Those discount days could wind up being the star of the show if you shop strategically.

Not built for financing. Store credit cards are bad for carrying a balance from month to month, thanks to their high regular APRs and the fact that any "special financing" they may offer usually includes a dangerous feature called deferred interest. The Torrid Card is no exception. It doesn’t have a reduced intro rate, and its regular APR is above even the average for store credit cards (24.06%).

Fair credit should do the trick. As long as you have a bit of credit experience and no major negative marks on your credit report, you should be able to get approved for the Torrid Insider Credit Card. That might surprise you given the card's impressive rewards, but store cards are known for having relatively lenient approval standards. If you're not sure where your credit stands.


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Torrid Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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How to Apply For Torrid Credit Card
OnlineVisit 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

Torrid Credit Card
Like many popular retailers, Torrid offers a closed-loop consumer credit card for those who want to save a little on their branded purchases. Unlike most other store credit cards, however, the Torrid Insider Credit Card is a little light on the rewards, good only for the occasional coupon or special offer. And while the card doesn't have an annual fee, the high APR makes it a questionable addition to your wallet.
Torrid Credit Card

How to Get the Most Out of Torrid Credit Card
Spend money at TorridGet Platinum Status

The Rewards of Torrid Credit Card
Rewards25% off your first online purchase. Plus, $15 Off $50 Welcome Offer included when you receive your new card.Earn 1 point for every dollar you spend at Torrid. $10 rewards certificate for every $200 you spendEarn extra 5% off Every Day with your card.Reach 1,000 points and get Platinum Status.

Torrid Credit Card Payment
Comenity Bank issues the Torrid Credit Card, so all customer service inquiries should be directed to the bank and not Torrid itself. You can pay your bill either by calling the toll-free number, 1-800-853-2921, or by logging into your online Torrid Credit Card account.Comenity does not appear to acc