6
Benefits2
Reward Categories2x
Max Reward32.2%
APR FromBasic Information
PENDINGProgram ID: torrid-mastercard
Issuer: Synchrony
Card Name: Torrid Mastercard
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Torrid Purchases | 2x | Points | Purchases made at Torrid.com and in Torrid stores. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Torrid Rewards
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Torrid (online and in-store), 2x on dining and gas
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned. Torrid Cash expires 45 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Torrid Cash can only be used at Torrid.
Benefits & Protections (Detailed) 6 Total
PENDINGLifestyle 2
Special Birthday Offer
VariesCardholders receive a special promotional offer during their birthday month.
Access to Special Events
VariesCardholders may receive invitations or access to exclusive Torrid special events and experiences.
Shopping 4
Accelerated Rewards Earning at Torrid
2X points per $1 spentCardholders earn 2 points for every $1 spent on purchases made at Torrid stores and Torrid.com.
Rewards Certificate Redemption
$10 reward for 200 pointsCardholders receive a $10 reward certificate for every 200 points accumulated through the Torrid Rewards program.
Exclusive Cardholder Offers & Discounts
VariesAccess to special promotions, discounts, and sales events available exclusively to Torrid Mastercard cardholders.
Free Standard Shipping on Torrid.com
Free standard shippingTorrid Mastercard cardholders, as members of the Torrid Rewards program, qualify for free standard shipping on all orders placed at Torrid.com.
Benefits Summary (Flags)
PENDINGExtended 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 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
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Balance Transfer APR: 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 18 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Torrid Mastercard offers bonus rewards, typically a percentage off the first purchase (e.g., 20%) and accelerated points earning at Torrid (e.g., 2x points) with 1x points on all other eligible purchases. Eligibility for 2026 requires applicants to be 18+ years old, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) and a U.S. mailing address, demonstrate sufficient income, and maintain a good to excellent credit history. Approval is also contingent on Synchrony's overall credit exposure limits per individual and the applicant not having too many existing Synchrony accounts.
Max Cards Per Issuer: 6
Min Spend Interval: Immediate for first purchase discount; typically 3 months for spend-based bonuses.
Cliff Effect Rules: Synchrony manages overall credit exposure per customer. While there isn't a direct 'cliff effect' preventing specific card applications, exceeding a cumulative credit limit across all Synchrony products can lead to denials for new applications or credit limit reductions on existing accounts. Store-specific restrictions apply to how points are earned and redeemed.
Special Events: Common special events include double or triple points days on specific categories or during promotional periods, exclusive early access to sales for cardholders, birthday rewards (e.g., extra discount or points), and anniversary bonuses. Tiered rewards based on annual spend (e.g., Torrid Insider status) are also typical.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November), the broader Holiday Shopping Season (December), Back-to-School (July/August), and various seasonal sales (Spring, Summer, Fall clearances), as well as specific holidays like Valentine's Day (February) and Mother's Day (May).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Users appreciate the exclusive discounts and rewards for Torrid purchases, including birthday offers and special promotions. It's often seen as an accessible card for building credit, especially for loyal Torrid shoppers.
Top Negative:
Common complaints include a high Annual Percentage Rate (APR), issues with customer service, and sometimes low initial credit limits. Users also express frustration with deferred interest promotions if balances aren't paid in full.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Target RedCard
- Discover it Secured Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-02
Last Updated: Feb 01, 2024 00:00