Torrid Credit Card
Basic Information
Program ID: torrid-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:53
Last Scraped: 01/15/2026 10:26
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $75.00
Time Period: 30 days
Bonus Timing: Rewards typically post within 1-2 billing cycles after meeting the spend requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Torrid Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after issuance if not redeemed, or if account is inactive for 12 months.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 720
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Rules: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval. Typically requires fair to good credit history, though initial offers may be available with limited credit. Cannot hold an existing Torrid Credit Card account. Bonus Rules (Projected for 2026): New cardholders often receive an initial discount (e.g., 20-30% off) on their first Torrid purchase. Ongoing benefits include exclusive cardholder discounts, early access to sales, and accelerated Torrid Rewards points earnings (e.g., 2x points per dollar spent at Torrid) compared to non-cardholders. Points are redeemable for Torrid merchandise.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Consistent late or missed payments, high credit utilization on the Torrid card, defaulting on other credit obligations (especially with BreadFinance or its affiliates), suspected fraudulent activity, misuse of cardholder benefits or promotions, bankruptcy filings, or violation of Torrid's terms of service or loyalty program rules.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy to get approved, good for building credit, frequent discounts and rewards for loyal Torrid shoppers, special financing offers often available.
Top Negative Feedback:
High interest rates, limited use outside Torrid stores, reports of inconsistent customer service, confusing reward redemption process, frequent credit limit increases can be tempting.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- Target RedCard
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0