Torrid Credit Card

Synchrony Pending

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5

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: torrid-store-card

Issuer: Synchrony

Card Name: Torrid Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:35

Last Scraped: Feb 17, 2026 16:38

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Torrid Purchases (Insider/VIP Status) 2x Points Purchases made at Torrid stores or torrid.com using the Torrid Credit Card for cardholders with Insider or VIP Torrid Rewards status. No Cap
Torrid Purchases (Base Status) 1x Points Purchases made at Torrid stores or torrid.com using the Torrid Credit Card for cardholders with Base Torrid Rewards status. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 2x

Categories: Purchases at Torrid

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned if there is no qualifying activity. Issued Torrid Rewards Certificates expire 45 days from the date of issuance.

Point Value: 0.05¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards Certificates are not redeemable for cash, cannot be used to purchase gift cards, and cannot be applied to previous purchases.

Benefits & Protections (Detailed) 5 Total
PENDING
Shopping 5
Accelerated Rewards Earning
2X points per $1 spent

Earn 2X Torrid Rewards points for every $1 spent at Torrid when using your Torrid Credit Card.

Annual Birthday Offer
Special offer

Receive a special offer from Torrid during your birthday month each year as a Torrid Credit Cardmember.

Exclusive Cardmember Promotions
Exclusive offers

Access to exclusive discounts and promotional offers available only to Torrid Credit Cardmembers throughout the year.

Special Financing Options
Varies by offer

Opportunity to receive special financing offers on qualifying purchases made with your Torrid Credit Card.

Free Standard Shipping
Free standard shipping

Receive free standard shipping on all orders placed on Torrid.com when using your Torrid Credit Card.

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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

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.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 670
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Torrid Store Card (Synchrony) in 2026 requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess sufficient income to meet payment obligations. All applications are subject to Synchrony Bank's credit approval process. New cardholders typically receive a first-purchase discount (e.g., 20-30% off). Ongoing rewards are integrated with the Torrid Rewards program, offering points per dollar spent at Torrid, which accumulate into reward certificates. Expect a base earning rate of 2 points per $1, with potential for higher tiers (e.g., VIP/Insider) offering enhanced benefits.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional sign-up bonus; rewards are earned continuously on purchases.

Shutdown Risk Triggers: Delinquent payments or default on any Synchrony account, suspicion of fraudulent activity or identity theft, excessive credit seeking across multiple Synchrony products in a short period, high cumulative credit exposure across all Synchrony accounts relative to reported income, and abuse of return policies or promotional offers.

Cliff Effect Rules: No known 'cliff effect' or family rules apply to the Torrid Store Card. It operates independently of other Synchrony store cards or general-purpose credit cards, meaning benefits or eligibility for one card do not directly impact the Torrid card.

Special Events: Expected special events for cardholders include: Birthday Offers (special discounts or bonus points during the cardholder's birthday month), Exclusive Cardholder Sales (early access or additional discounts during major Torrid sales events), Tiered Rewards (higher reward earning rates or exclusive perks for reaching specific annual spending thresholds, e.g., VIP status), and potential Anniversary Offers (bonus points or discounts on the card's anniversary).

Holiday Promos: Anticipated holiday promotion periods include: Black Friday/Cyber Monday (enhanced discounts, bonus rewards, or special financing offers), Christmas/Holiday Season (similar to Black Friday, with specific holiday-themed promotions), Seasonal Sales (promotions tied to spring, summer, fall collections, and end-of-season clearances), and periodic Flash Sales (short-duration, high-discount events exclusively for cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy approval, good for Torrid shoppers, initial discount offers.

Top Negative:
High APR, limited use, customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Old Navy Credit Card
  • Capital One Platinum Secured
  • Target RedCard

Card Value Score: 60.0 / 100

Est. Annual Rewards: $90.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: October 2023