The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Torrid credit card review: A store card that isn't worth it
Olivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.
June 26, 2024 • 7 min read
TOM WERNER/GETTY IMAGES
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note:
Quick summary
The Torrid store card offers a 5% discount on purchases and a notable initial discount for new cardholders.
This card can only be used for Torrid purchases and provides limited ongoing benefits beyond the initial offer.
Rewards earned with the card match those available to all Torrid Rewards members, with redemption limited to Torrid purchases.
Most shoppers will find greater value with general cash-back or travel cards rather than this store-specific option.
What to consider
The card is a closed-loop product, usable only at Torrid, and benefits cannot be stacked with the initial discount.
Rewards expire after 45 days, making it difficult to accumulate substantial value unless you shop frequently.
The card's main appeal is for those planning a large Torrid purchase to maximize the initial discount.
What you'll miss from the article
A detailed comparison of how this store card stacks up against general-purpose cash-back and travel cards for everyday spending.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Avid fans of the Torrid brand may consider adding the Torrid credit card to their wallet. Although the card provides a 5% discount on purchases and has no annual fee, it isn't worth considering unless you plan to make a large purchase with Torrid. You'll get better bang for your buck with a general cash-back or travel card. Card rating*: ⭐½
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Many store credit cards aren't worth your time — and the Comenity Bank Torrid credit card is no exception. It doesn't offer much in terms of earnings or benefits, and almost everyone is better off with a general cash-back or travel card.
The only people who could benefit from the Torrid card are those who plan to make a large purchase with the brand since opening the card will get you 40% off an online order. Even considering that, it may be better to put that spending toward a welcome offer on another card. The Torrid credit card has no annual fee and a recommended credit score of 640 or higher.
Let's explore why this card is lackluster compared to general cash-back and travel cards.
The information for the Torrid credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Cardholders earn the same rewards as non-cardholders
Torrid credit card welcome offer
The welcome offer for this card comes in two parts. First, when you open the card, you'll automatically get a 40% discount on your same-day Torrid.com purchase. A 40% discount is pretty significant, so if you're thinking of getting this card, it may be a good idea to wait until you have a large purchase coming up.
THE POINTS GUY
The second part of the welcome offer comes after you've received the physical card. With your card, you'll receive a coupon for $15 off a purchase of $50 or more. When you combine those two pieces, that's not a bad offer for a no-annual-fee store card. It may justify getting the card for frequent Torrid shoppers, but consider all aspects of the card before applying.
Torrid credit card benefits
It's important to note that this is a closed-loop store card, so it can only be used on Torrid purchases.
And when it comes to benefits, this card only has two: a 5% discount on all purchases made with the card and access to exclusive sales. The 5% discount can't be stacked with the 40% discount that comes as part of this card's welcome offer. If we want to stretch the definition of a benefit, you can pay your charges on this card online through Torrid.com.
MARTIN DIMITROV/GETTY IMAGES
While store cards aren't exactly known for their benefits, they usually come with more than just two. The Target Circle Card, for example, offers free two-day shipping, an extended return window, extra discounts on Target services and in-store discounts and deals. Even the lesser-known Firestone credit card has more to offer.
This card's benefits will only be worthwhile for avid Torrid fans; everyone else is better off using a regular cash-back or travel card.
The information for the Target Circle and Firestone credit cards have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Earning and redeeming rewards on the Torrid credit card
The credit card itself doesn't have an earnings structure, so you'll share the same earning rate as other Torrid Rewards members who don't have the store's card.
This rewards program allows you to earn 1 point per dollar spent with Torrid, and you'll need to earn at least 250 points to earn a $10, $15 or $20 reward. These rewards can be redeemed for online or in-store Torrid purchases.
RGSTUDIO/GETTY IMAGES
You can use up to 10 rewards per purchase, but rewards are only valid for 45 days — making them hard to stack unless you spend a lot with Torrid or take advantage of deals that earn extra points.
It isn't hard to find competitors for the Torrid card. Here are three of them:
If you like Citi: The (see rates and fees) earns 2% back on all purchases (1% when you buy and 1% when you pay). You don't have to keep track of any complicated spending categories, nor do you have to pay an annual fee. To learn more, see our full review of the Citi Double Cash.
If you like American Express: The earns 3% cash back on all U.S. online retail purchases (up to $6,000 per year, then 1% after). If you spend a lot on online shopping, this is definitely a card to consider. To learn more, read our full review of the Blue Cash Everyday.
I can confidently say that the Comenity Bank Torrid credit card is not worth it. The only exception is if you plan on making one or two large purchases with Torrid and want to take advantage of the welcome offer. Even then, I advise putting that spending toward a sign-up bonus on a travel or cash-back card instead.
Among all store cards available, the Torrid card doesn't stand out. It may tempt you with its welcome offer, but it's important to consider all aspects of a card before applying. Compare the Torrid card to other options to see where you'll get the most value for your spending.
