Torrid Mastercard®

BreadFinance Mastercard Pending

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10

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: torrid-mastercard-v2

Issuer: BreadFinance

Card Name: Torrid Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 09:55

Last Scraped: Feb 16, 2026 09:57

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank offers eligible servicemembers benefits under the SCRA, including an interest rate reduction to 6% on eligible balances incurred prior to active duty, and protections from default judgments, repossessions, and foreclosures.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Torrid Purchases 2x Points Purchases made at Torrid stores or torrid.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Mastercard is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 10 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Torrid Mastercard account does not charge an annual fee.

Lifestyle 1
Birthday Gift
Special birthday gift

All Torrid Rewards Program members (Level 1, 2, and 3) receive a special birthday gift.

Shopping / Financing 1
Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing offers on qualifying purchases made with their Torrid Mastercard.

Shopping / Lifestyle 2
Free Shipping (Level 2 & 3)
Free standard shipping

Level 2 and Level 3 members of the Torrid Rewards Program receive free standard shipping on all Torrid.com orders.

Exclusive Offers
Exclusive offers

All Torrid Rewards Program members (Level 1, 2, and 3) receive exclusive offers.

Shopping / Rewards 5
Torrid Rewards Earning (Level 1)
1.5 points per $1

Earn 1.5 points for every $1 spent at Torrid. This applies to Level 1 members who spend $0-$499.99 annually.

Torrid Rewards Earning (Level 2)
2 points per $1

Earn 2 points for every $1 spent at Torrid. This applies to Level 2 members who spend $500-$999.99 annually.

Torrid Rewards Earning (Level 3)
2.5 points per $1

Earn 2.5 points for every $1 spent at Torrid. This applies to Level 3 members who spend $1000+ annually.

Mastercard Rewards Earning (Everywhere Else)
1 point per $1

Earn 1 point for every $1 spent everywhere else Mastercard is accepted. This benefit is exclusive to the Torrid Mastercard Account.

Rewards Certificate Redemption
$10 per 1,000 points

Points earned through the Torrid Rewards Program are converted into Rewards Certificates. 1,000 points are converted into a $10 Rewards Certificate.

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
Penalty APR: 29.99%
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: 21.24% - 29.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: 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 meet BreadFinance's creditworthiness criteria, which typically includes a review of credit history and income. Existing BreadFinance/Synchrony cardholders may face additional scrutiny based on overall credit exposure. Bonus Rule: New cardholders are typically offered an introductory discount on their first Torrid purchase made with the card, often ranging from 20-30% off. Ongoing rewards usually include a percentage back (e.g., 5%) in Torrid Rewards on eligible Torrid purchases, and a lower percentage (e.g., 1-2%) on everyday purchases outside Torrid where Mastercard is accepted. Specific bonus tiers or accelerated rewards may apply during promotional periods.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance/Synchrony products, frequent balance transfers to other issuers, unusual spending patterns inconsistent with typical retail purchases (especially outside Torrid), excessive returns, suspected fraud, repeated late payments, or opening too many credit lines with BreadFinance/Synchrony in a short period.

Cliff Effect Rules: The Torrid Mastercard program does not typically feature complex 'card family' rules or 'cliff effects' related to other BreadFinance/Synchrony products. Benefits and rewards are generally tied directly to the active status and good standing of the Torrid Mastercard account itself. Closure of the account or failure to meet minimum spend requirements (if any for specific tiers) would result in the loss of associated Torrid Rewards and cardholder benefits.

Special Events: Expect exclusive cardholder-only sales events, early access to new collections, double or triple rewards points days for Torrid purchases, birthday rewards, and special financing offers on larger Torrid purchases, particularly around major retail seasons.

Holiday Promos: Key promotional periods will align with major retail holidays: Valentine's Day, Mother's Day, Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday week, and the entire December holiday shopping season. Expect additional flash sales and seasonal clearances.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Easy approval for those with fair credit, offers exclusive discounts and rewards on Torrid purchases, and can help build credit history when managed responsibly.

Top Negative:
High annual percentage rates (APRs), frequent complaints about Comenity Bank's customer service, issues with account management, and aggressive marketing practices.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Capital One Platinum Credit Card
  • Discover it Secured Credit Card
  • Old Navy Visa Credit Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0