Torrid Credit Card

BreadFinance Pending

Back Apply Now

12

Benefits

2

Reward Categories

2.5x

Max Reward

30%

APR From

Basic Information

PENDING

Program ID: torrid-credit-card

Issuer: BreadFinance

Card Name: Torrid Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:53

Last Scraped: Feb 03, 2026 11:24

Apply URL: Visit

SCRA Benefits (Military Members)

Federal law limits the cost of consumer credit for servicemembers and their dependents to a Military Annual Percentage Rate (MAPR) of 36 percent, including certain fees. Contact information and a website are provided for more details.

Rewards Program (Detailed) 2 Categories

PENDING

Category	Rate	Type	Description	Annual Cap	Status
Torrid Purchases (VIP Tier)	2.5x	Points	Net Eligible Purchases made at Torrid stores, torrid.com, or the Torrid app in the U.S. and Canada when using the Torrid Credit Card, for cardholders in the VIP tier (500+ points in 12 months). This includes 1.5 base points + 1 additional point for using the credit card.	No Cap
Torrid Purchases (Insider Tier)	2x	Points	Net Eligible Purchases made at Torrid stores, torrid.com, or the Torrid app in the U.S. and Canada when using the Torrid Credit Card, for cardholders in the Insider tier (0-499 points in 12 months). This includes 1 base point + 1 additional point for using the credit card.	No Cap

Rewards Summary

PENDING

Reward Type: Rewards Certificates

Base Rate: 1x

Bonus Rate: 2x

Categories: Purchases at Torrid stores and Torrid.com

Quarterly Rotating: No

Expiration Policy: Rewards certificates expire 45 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards certificates have no cash value and cannot be combined with other offers.

Benefits & Protections (Detailed) 12 Total

PENDING

Lifestyle 5

Exclusive Cardmember Events

Varies

Access to special events available exclusively to Torrid Credit Cardholders.

Cardholder Birthday Offer

Varies

Receive a special offer or discount during your birthday month as a Torrid Credit Cardholder.

Birthday Gift (Rewards+ Access Tier)

Varies

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive a special birthday gift. The Torrid Credit Card helps earn points towards this tier.

Anniversary Gift (Rewards+ Access Tier)

Varies

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive a special anniversary gift. The Torrid Credit Card helps earn points towards this tier.

Special Events (Rewards+ Access Tier)

Varies

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive invitations to special events. The Torrid Credit Card helps earn points towards this tier.

Shopping 7

Torrid Rewards Program Enrollment

Automatic enrollment

Torrid Credit Cardholders are automatically enrolled in the Torrid Rewards program, allowing them to earn points on purchases.

Enhanced Rewards Points Earning Rate

2X points per $1 spent

Earn 2 points for every $1 spent on purchases at Torrid stores and Torrid.com using the Torrid Credit Card, which is double the rate for non-cardholders.

First Purchase Discount

25% off first purchase

Receive a 25% discount on your very first purchase made with the Torrid Credit Card.

Exclusive Cardmember Offers

Varies

Access to special discounts and promotions available exclusively to Torrid Credit Cardholders.

Free Shipping on Torrid.com (Rewards+ Access Tier)

Free shipping

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive free shipping on all orders placed on Torrid.com. The Torrid Credit Card helps earn points towards this tier.

Early Access to Sales & Promotions (Rewards+ Access Tier)

Early access

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive early access to sales and promotions. The Torrid Credit Card helps earn points towards this tier.

Exclusive Offers (Rewards+ Access Tier)

Varies

Cardholders who achieve Torrid Rewards+ Access tier status within the Torrid Rewards program receive exclusive offers. The Torrid Credit Card helps earn points towards this tier.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

580 - 669

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: The Torrid Credit Card, issued by BreadFinance (formerly Comenity Bank), typically offers a one-time discount (e.g., 20-30% off) on the first purchase made with the card. Ongoing benefits include earning Torrid Rewards (e.g., $15 reward for every $300 spent) and exclusive cardholder promotions. Eligibility requirements for application include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and passing a creditworthiness assessment.

Max Cards Per Issuer: 1

Min Spend Interval: Not applicable for a traditional bonus; rewards are earned continuously based on spending.

Shutdown Risk Triggers: Common triggers include missed payments, exceeding credit limits, suspected fraudulent activity, sudden and drastic changes in spending patterns, or accumulating a high cumulative credit limit across multiple BreadFinance accounts which may trigger a risk review.

Cliff Effect Rules: Not applicable. The Torrid Credit Card does not typically have card family rules or upgrade/downgrade paths like general-purpose credit cards. Loyalty tiers (e.g., Torrid Insider, VIP) are separate from the credit card product itself, though cardholders may automatically qualify for higher tiers.

Special Events: Cardholders frequently receive exclusive access to sales events, early notifications for new product launches, double or bonus points days, and special financing offers during specific promotional periods throughout the year.

Holiday Promos: Significant promotional activity and special offers are common during major retail holidays, including but not limited to Black Friday, Cyber Monday, Christmas, Valentine's Day, Mother's Day, and seasonal clearance events.

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Exclusive discounts and promotions for loyal Torrid shoppers, easy approval for building credit, special financing offers.

Top Negative:
High APR, limited utility outside of Torrid stores, frequent promotional emails, mixed customer service experiences with Comenity/Bread Financial.

Approval Experience: 75.0 / 100

Recommended Alternatives

Capital One Platinum Secured Card
Discover it Secured Card
Old Navy Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 80.0%

Version Control

PENDING

Version ID: v1.0