Torrid credit card review: A store card that isn't worth it
Torrid credit card overview
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.
Related: Old Navy credit card review: Only for brand mega-fans
Torrid credit card pros and cons
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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 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.
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.
Related: How to choose the best credit card for you
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.
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.
Related: Store cards vs. cash-back cards: Which one should I get?
Which cards compete with the Torrid credit card?
It isn't hard to find competitors for the Torrid card. Here are three of them:
- If you like Citi: The Citi Double Cash® Card (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 Capital One: The Capital One Venture Rewards Credit Card will net you 2 miles per dollar spent on all purchases that don't qualify for a bonus. While this card has an annual fee, it has some extra perks to make up for it. To learn more, read our full review of the Capital One Venture Rewards.
- If you like American Express: The Blue Cash Everyday® Card from American Express 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.
For additional options, check out our picks for the best everyday spending and cash-back cards.
Related: Why I keep the Capital One Venture Rewards card in my wallet
Is the Torrid credit card worth it?
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.
Related: Why there's no such thing as the 'best' credit card
Bottom line
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.
Related: The best rewards credit cards for each bonus category
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.