Torrid Credit Cards. Are They Worth Getting?

When you shop at Torrid,  you probably often get asked if you want to sign up for their credit cards. You keep saying no, but you think about how many times you actually shop there and now are seeing if a Torrid credit card is really for you.

Basic Information and How to Apply

  • There is no annual fee, which can save many card owners a lot of money.
  • When you sign up, you get a $15 off $50 bonus and 25% off your purchase. And afterward, it’s 2 30% off shopping passes and 1 point/dollar. For every 200 points that you earn, you will get a $10 gift card from Torrid. Every point is valued at $0.05.
  • APR: 26.49%
  • You will have to give a $25 returned payment fee and a $38 late payment fee.
  • Call customer service at 1-800-853-2921 or check them out online.

Is This For You?

If you are a frequent shopper at Torrid, you might think that it is beneficial for you to get a card, since you can get a lot of points pretty easily. Just be careful on what you can afford because with it’s high-interest rate, this can become more costly than what the points offer.

It is a good deal but it really just comes down to you and what you can afford and how often you shop. It may not be worth it just to get the 30% off twice in a year because you have to pay off an additional debt.

This decision is up to you and how much of a value you think it is.

Just be careful that you have sufficient funds. Or these clothes are going to cost you a lot more than you expected. It may just be smarter to skip this opportunity just to save you from the stress.

Unless the primary store you shop for clothes is at is Torrid, with its high APR and limited rewards, you don’t really get too much out of this. Try other credit cards that will save you more money in the long run.

What do you think? Are you going to get a Torrid card or are you going to skip?


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