Torrid Credit Card: Things To Know And Top Alternatives

The Torrid Credit Card* is useful if you want to save a little cash on plus-size purchases. It doesn’t attract an annual fee, and cardholders enjoy an ongoing 5% discount on purchases.

Then, it’s downhill from there. The lofty APR (29.99% variable APR on purchases) and extra fees will have you looking elsewhere for a store-branded credit card. And unlike most store cards, it doesn’t offer many rewards and is only good for the occasional coupon or special offer.

Featured Partner Offers For Cash Back Credit Cards

Chase Freedom FlexSMChase Freedom FlexSMWelcome Bonus£200 bonusAnnual Fee£0Credit ScoreExcellent, GoodRegular APR19.49% – 28.24% VariableCredit Score ranges are based on FICO(R) credit scoring.

This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.Earn a £200 bonus after spending £500 on purchases in your first 3 months from account openingCiti(R) Double Cash CardCiti(R) Double Cash CardApply Now ->Apply Now On Citi’s WebsiteWelcome BonusN/AAnnual Fee£0Credit ScoreExcellent, GoodRegular APR18.49% – 28.49% (Variable)Credit Score ranges are based on FICO(R) credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application.

These are provided as guidelines only and approval is not guaranteed.N/AWells Fargo Active Cash(R) CardWells Fargo Active Cash(R) CardApply Now ->Apply Now On Wells Fargo’s WebsiteRates & FeesWelcome Bonus£200 Cash RewardsAnnual Fee£0Credit ScoreExcellent, GoodRegular APR19.49%, 24.49%, or 29.49% variable APRCredit Score ranges are based on FICO(R) credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.Earn a £200 cash rewards bonus after spending £1,000 in purchases in the first 3 months

Highlights of the Torrid Card

  • No annual fee: You get rewards for your purchases but don’t have to pay a fee for the privilege.
  • 5% off Torrid purchases
  • Welcome offer: 40% off the first online Torid.com purchase and a £15 coupon for purchases of £50 or more (the 40% off new customers may be able to get without getting a card).
  • Cardholders get instant access to exclusive discounts, promotions, giveaways and in-store events.
  • You don’t need a high credit score: Your odds of getting approved are good if your credit score exceeds 640.

Torrid Credit Card Benefits

  • Welcome offer: 40% off the first online Torid.com purchase and a £15 coupon for purchases of £50 or more.

    But the discount code must be used the day the card gets approved. If you’ve been planning to revamp your wardrobe, this would be the best time to do it. Note that if you’ve never shopped at Torrid before you might be able to get the same 40% off discount without getting the credit card just by signing up for Torrid’s promotion emails.

  • 5% off Torrid purchases at Torrid stores and torrid.com.

    But this discount can’t be used together with the 40% off sign-up offer.  Cannot be combined with catalog/mailer coupons, boxstuffer codes or select sitewide promotions.

  • Cardholders get access to exclusive sales and offers not available to non-cardholders.
  • Uncomplicated store loyalty program: The program has three tiers: Insider, Loyalist and VIP. How much you spend will determine the tier you’re placed in. Members receive varying rewards for every 250 points collected and a birthday gift.
  • There are different ways to collect additional points–clicking the store’s marketing email, sharing a product or a product review online, posting an Insta photo or linking an Instagram account to a Torrid Rewards account.
  • Account activity is reported to credit bureaus: You can improve your credit by making regular, on-time payments.

Who Should Get the Torrid Credit Card?

If you want to get a 5% discount on all your purchases and access to exclusive deals, get the Torrid card.

But if you usually carry a balance, the high APR on the card will outweigh the benefits. Shoppers without the card can still enjoy the perks of the Torrid Rewards Program as long as they have a free Torrid Rewards account. They can get their hands on various store deals–buy-one-get-one deals, 50% off on clearance items, 25% off on select styles and more.

The Torrid credit card doesn’t have an annual fee, but its high APR–29.99% variable APR on purchases at the time of writing–makes it an expensive addition to your wallet. Carry a balance for too long and you’ll completely wipe out the savings. In addition to the higher than average APR, the card also carries substantial fees.

The Torrid credit card can only be used for store purchases. If you are not a frequent shopper at Torrid, consider getting a general rewards credit card.

Alternatives to the Torrid Credit Card

Chase Freedom FlexSM

Love planning your purchases around bonus categories to maximize your rewards? Get the Chase Freedom FlexSM*. Earn a £200 bonus after spending £500 on purchases in the first 3 months from account opening. You can earn 5% cash back on up to £1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards(R), 3% on dining and drugstores and 1% on all other purchases.

The card offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% – 28.24% applies. Intro balance transfer fee of either £5 or 3% of the amount of each transfer, whichever is greater in the first 60 days, after that either £5 or 5% of the amount of each transfer, whichever is greater applies. It’s worth noting that this card is subject to Chase’s 5/24 rule, so you won’t get approved if you’ve opened more than five credit cards in the past 24 months.

Amazon Prime Rewards Visa Signature Card

No other card can reward you better if you have an Amazon Prime membership.

The Amazon Prime Rewards Visa Signature Card* earns 5% cash back in rewards at couponmatrix.uk and Whole Foods Market with an eligible Prime membership, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases. Get 10% back or more in bonus rewards on rotating categories and products sold on couponmatrix.uk.

Unlike the store-branded Torrid credit card, you can use the Amazon credit card at any location that accepts Visa and earn rewards. And redemption options are quite many for a store card. You can redeem your points on couponmatrix.uk or for cash back, gift cards and travel.

To apply for the card, you need a £139 Amazon Prime Membership (£69 for students). Cardholders enjoy 5% cash back in rewards at couponmatrix.uk and Whole Foods Market with an eligible Prime membership, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases. Get 10% back or more in bonus rewards on rotating categories and products sold on couponmatrix.uk.

This card does not offer traditional 0% introductory APR periods, however, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from 6 to 18 months on qualifying purchases of £50 or more, after that a variable APR of 18.74% to 26.74% applies. A balance transfer fee of either £5 or 4% of the amount of each transfer, whichever is greater, applies. Amazon sells plus-size clothes and accessories for women in The Plus Shop.

Like Torrid, the shop breaks barriers and introduces a new approach to fashion.

Wells Fargo Active Cash Card

If you’re looking for a good cash-back rewards card, the Wells Fargo Active Cash(R) Card is a solid choice. Unlike other 2% cash-back cards like Citi(R) Double Cash Card and the PayPal Cashback Mastercard(R)*, it comes with a welcome bonus.

You get a £200 cash rewards bonus after spending £1,000 in purchases in the first 3 months. Cardholders enjoy 2% cash rewards on purchases. When pitted against the Torrid credit card, the Wells Fargo credit card is the clear winner.

It earns rewards at every location Visa is accepted, including Torrid. This cash-back card will serve you better and help you save more.

Find The Best Credit Cards For 2023

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Learn More

Is the Torrid Credit Card for You?

The Torrid card is tailor-made for loyal and long-term Torrid members.

It offers some unique features not available to non-cardholders, like a 5% discount on purchases.

However, it lacks an intro APR offer, and its APR is higher than average.

There’s a myriad of cash-back credit cards with 0% intro APR offers, welcome bonuses and other perks which may be a better fit.

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