The Complete Torrid Credit Card Review

Introduction to the Complete Torrid Credit Card

Torrid is one of the leading plus-size fashion labels, serving sizes 10-30. The brand offers trendy clothing and a range of styles for women.

Since opening its first store in Toronto in 2015, it now has hundreds of stores opened in various locations across the USA. Renowned for the quality of the products and the versatility of its designs, the retailer has cultivated a loyal following.

If you consider yourself a fan of the brand and shop very regularly at Torrid, you may be wondering if the Torrid credit card worth it? As you will discover, the answer to that question depends entirely upon how much and how often you spend at the store.

We want to help you make the right choice. Here’s our inside review that shares everything you need to know about this store credit card.

Exclusive Rewards

Let’s start with the good stuff – the rewards. You’ll find that Torrid offers really great options for its cardholders.

To begin, you’ll receive a neat welcome bonus of $20 when you successfully open your account. This kind welcome is a nice touch and it has real-world value, helping you to purchase that next great item.

Making purchases is cheaper with this credit card too: new cardholders receive a 25% discount on their first purchase. This can be enjoyed in conjunction with the welcome bonus of $20, meaning that you could buy $100 of products and only pay $55. This is a great introduction to the company and if you’ve got your eye on a few items, you’ll make the discount even more powerful.

In addition to these discounts and awards, Torrid shoppers can look great throughout the year with the latest threads thanks to the two 30% discount shopping passes that every cardholder receives. These can be used once each and give you the chance to make significant savings. You could replenish your wardrobe or buy some great gifts if you use the passes strategically.

Regular Offers

In addition to a range of discounts, cardholders also get notified about other special discounts and events. It’s really worth keeping an eye on the various emails that come in throughout the year to keep up with the latest sales events, discounts, and more.

Building Points is Simple

Torrid also rewards shopper with one point for every dollar that they spend in the store. The points system is straightforward: once a shopper reaches 200 points, they will receive a $10 reward.

These points also have another function, in that when a cardholder accumulate 1,000, they will be rewarded Platinum status. With this status, cardholders will be able to benefit from additional discounts and rewards.

Better Points with Platinum

At a $10 reward for 200 points, base-level Torrid cardholders have an effective return of 5%. This gets improved when the cardholder moves up to platinum, however, given that they will receive 1.5 points for each dollar that they spend. This means that they receive a whopping 7.5% return.

That return is truly huge and if you’re a loyal Torrid customer who shops there frequently, then you’re going to want to give it serious consideration. Few other credit cards will be able to compete with that rate.

A Simple Redeem Process

The points that you earn are associated with your account, so using them to contribute toward a purchase is simple. To use the points in a store, you’ll simply have to provide your Membership Identifier when making the purchase. If you’re using the rewards in the online store, it’s simply a matter of singing into your account before completing the process.

You should be careful, given that if you do not make a purchase on your account for 13 months, your points will automatically expire. You don’t want your points to go to waste, so it’s important to keep an eye on how long you have between your purchases.

Convenient Online Banking

As a forward-looking retailer, Torrid offers a great online banking system. This means that cardholders get around-the-clock access to check their finances and balances. This flexibility means that it’s easier than ever before to check the activity within in account. Equipped with online banking, users will not have to worry about missing payments and incurring late fees.

Steep Late Fees and APR

If you miss a payment on the credit card, you will be charged with a $38 late fee. This is a steep fine and when paired with the standard APR of 26.49%, you’re going to wait to avoid carrying a balance on this card.

This is one of the major downsides of the card. There are much stronger options out there on the market when it comes to promotional and even default APR percentages.

Easy Qualification

Are you concerned about your credit history? Are you hoping to secure a credit card so that you can begin your credit recovery strategy?

This could be a great card for you. It is issued by Comenity Bank and this institution requires just a fair credit rating for you to be approved. The application process really is very simple and not as time-consuming as competitor cards might be. You’ll find that approval comes quickly, too. This eliminates those long weeks wondering what the outcome was.

If you’re looking for an accessible credit card, this could be a great option.

Build Credit

If you find it difficult to qualify for other cards given your credit rating, you could use this store card to execute purchases and repayments in a big to boost your credit score. There is a lot of guidance out there which can help you to develop a credit recovery strategy, and these types of store cards can play a role in that effort.

No Annual Fees

Qualification is also simpler given that there are no annual fees associated with the account. This means that Torrid cardholders don’t have to make an up-front investment and that any bonuses that accrue over the course of the year aren’t eaten up by fees.

It is worth noting, however, that users should be sure to avoid the consequences of inactivity. If they are inactive for more than two years, they may find that their account will be closed without notice.

Responsive Customer Service

Torrid is a big retailer with lots of backing, so it appears that it has the resources to invest in great customer support. Judging from our own experiences and reviews found around the web, the team is great.

Cardholders are quick to praise the speed and accuracy of assistance that is offered. Many other users say that the level of service is high, with polite and courteous service.

Terms and Conditions

As with any other credit card and important decision that you make, it’s very important to read through the terms and conditions very closely. If you fail to properly read through the terms and conditions, you’ll open yourself up to a lot of potential risk.

If, on the other hand, you’ve understood Torrid’s terms and conditions well, you can look forward to getting the most from the card and the discounts that are available to you.

If you have any questions or doubts at all about the terms and conditions, you should not hesitate to contact Torrid directly. This will help you to clear up your concerns while also getting an idea of the level of customer service you can expect to receive.

Store Versus Cash Back Credit Cards

Cash back is undoubtedly the most superior credit card reward. Instead of convoluted points systems, these cardholders receive cash as a reward for their purchases. The credit cards that offer cash back can also come with attractive introductory APR, and they can also be used anywhere.

Store cards are very rarely worth signing up for when compared to a generic credit card which can be used in any store and can generate rewards on any type of purchase. Before taking the plunge and investing in your Torrid card, you’ll probably want to do some extensive research into whether or not this is the best option for you.

The Bottom Line

If you shop at Torrid regularly and see yourself continuing to do so for the foreseeable future, then this could be a great credit card option for you. There are some really remarkable discounts on offer and if you use them strategically, you’ll get some incredible prices on your clothing throughout the year.

With that said, this card does lock you into a direct relationship with Torrid. Despite the good percentage returns, you cannot spend your cashback rewards anywhere else but that store. If this seems problematic for you, then you’ll probably want to explore standard cashback credit card options. There are countless ones on the market, and they allow you to earn points both in Torrid and elsewhere.

Essentially, this card is only worth it if your volume of money spent each year at Torrid is very high.

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