10 Benefits of Having a Torrid Credit Card

When it comes to plus-size women’s clothing, no other brand offers styles like Torrid does. The retail company is one of the biggest global chains that cater to the plus-size niche, and it’s been successful since 2017. The industry has definitely experienced a boom in the last several years, and many women have found their own personal styles within the company. If you’re an avid Torrid shopper, you’re more than likely a Torrid credit card owner as well. If you aren’t, then here are 10 benefits that should convince you to go apply for a Torrid credit card before you go on your next shopping spree.

1. Fair credit

The credit card is offered by Comenity Bank and only requires fair credit for guaranteed approval. This is the perfect credit card for you if you just don’t have enough credit history or if you’re in the process of credit recovery. You can get approved within just minutes of your online application.

2. Welcome benefit

Torrid loves its customers and thrives in customer satisfaction. One of the ways that the company gives back to its consumers is by simply giving back. Torrid will give you a $20 welcome benefit just by opening a store credit card. That’s easily a new shirt or new bottoms or a handful of new accessories you basically get for free.

3. First purchase discount

In addition to your welcome benefit, you also get a 25% discount on your first purchase. This means that if you spend get $100 worth of items, you’ll only be paying $75. Now imagine combining that discount with your $20 welcome benefit. Instead of paying $100, you’d only be paying $55. That’s an incredible amount of discount that anyone would surely enjoy.

4. Shopping passes

With the Torrid credit card, you get even more discounts. Every year, each credit card holder will get two shopping passes in the form of 30% discounts. 30% is an incredible amount of savings, and it’s something that you could strategically use as well. You can use it just before a new season starts for a fresh wardrobe, or you could even use it around the holiday season when you’re ready for gift giving. Either way, it’s an incredible way to save twice a year.

5. Other exclusive offers

Aside from the discounts that you’ll already get, Torrid offers its credit card holders exclusive offers throughout the year. These offers are generally sent via email and come in the form of private sales events, extra discount on select items, discounts online, and many more.

6. Online access

One of the most important things when owning and managing credit cards is online access. Having this will allow you a tremendous amount of peace knowing that you can access your account any time. You can check balances and purchases and also post your payments online. This way, you’ll never have to worry about late fees or what not.

7. Rewards program

Apart from significant discounts, the Torrid credit card also gives you rewards for spending. You can earn 1 point for every dollar spent at Torrid. You get to accumulate these points and once you get 200 points, you’re entitled to a $10 reward.

8. Platinum status

You can have access to even more rewards by obtaining platinum status. You’ll need to collect at least 1,000 points before you can qualify for a platinum status, but once you do, you can get even more benefits, more discounts, and more rewards.

9. Inactivity fee

You’ll be glad to know that there are no inactivity fees associated with the Torrid credit card. After all, not everyone shops constantly. You will not be charged any fees for not using this credit card, but there’s a possibility that the company might close the card if you haven’t used it for 2 years.

10. Overlimit fee

We know that some of us get carried away sometimes while shopping, and it’s even harder to stop when you’re shopping at Torrid. Fortunately, Torrid will never charge you a fee for going over your credit card limit. However, keep in mind that you’re still responsible for paying your minimum fee plus whatever amount you spent over your limit, and you’re responsible for paying all of that by your next due date.


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