Should I get a Torrid Credit Card and its Benefits?

A Torrid Credit card issued by Comenity Bank, is a simple and valuable store card while shopping through clothing retailers. The coupon features ongoing discounts and initial bonuses, with no annual fees, sign-off discounts, and 5% off on deals while purchasing. 

In contrast to other cards, it doesn’t have any additional rewards and makes one look for another store-branded credit card. Moreover, its lofty fees, APR, and only occasional deals and offers mark its downhill. Likewise, it’s only useful for saving cash on plus-size purchases. 

Highlights and Benefits of Torrid Card

  • No annual fees
  • Rewards on purchases 
  • No fees for a privilege 
  • 5% off on Torrid purchases 
  • Welcome offer includes 40% off on the first purchase through Torrid, after shopping for $50 or more, a $15 coupon reward, and 40% off to new customers which might be available for everyone, whether they have a Torrid Credit Card or not. 
  • Exclusive discounts, sales giveaways, in-store events, promotions, deals, and coupons are instantly available to the cardholders.
  • No high credit card store
  • One needs just 640 points to become a cardholder. 
  • Uncomplicated store loyalty program 
  • Cardholders have three tiers; Insiders, Loyalists, and VIPs, the tiers are concluded by the amount a user spends on 
  • Rewards after scoring every 250 points
  • Birthday gifts
  • Different ways to collect the points; clicking on the marketing email of the shopping store, reviewing a product, sharing a product with friends or relatives, posting an Instagram photograph, and linking the Instagram account with the account. 

Who Should Get a Torrid Credit Card? 

Who Should Get a Torrid Credit Card? 

Those who want to get 5% off deals on their purchases can get the Torrid Credit card, whereas, people who carry a balance shouldn’t get this card as their high APR will outweigh the benefits. Those who don’t want to get the card but keep on shopping on this forum will also receive numerous rewards. 

Shopper gets to buy one get one deal, 50% discount on clearance items, 25% off on style items, and many other deals. The Torrid card has a high APR fee amounting to 29.99% variable on purchases during writing. Apart from that, it also carries substantial fees and if one keeps their balance for long, the savings will be wiped out. 

The card is only accessible to shoppers and those who don’t frequently shop might not need it. However, they can get general rewards credit cards. 

Alternatives to Torrid Credit Card 

Various alternatives to the Torrid Credit Card are given below;

Chase Freedom Flex 

If one lives maximizing rewards after purchasing something, this is for you. For instance, earning a $200 bonus after spending $500 on shopping items. Moreover, one can get a 5% discount on combined gas station and processor store shopping, while sending $12,000 on the purchase in their internal year. Walmart and Target don’t have this offer. 

5% cash back is also awarded to $1,500 in different categories, travel purchased through Chase Ultimate rewards, and 3% cash back on drug stores and dining. While all other items have a 1% discount on them.

Highlights of Chase Freedom Flex

  • The Chase card offers a 0% intro APR for 15 months after activation on both purchases and bank transfers. 
  • A variable of 20.49% – 29.24% ARP applies to purchases. 
  • A balance transfer fee of up to 5% (min. $5). 
  • The balance transfer fee of the amount of each transfer applies every time.
  • Chase’s 5/24 rule applies to it. 
  • Chase 5/24 rule is available when there are more than five credit cards opened in the past 24 months.

Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card is a solid choice for getting discounts on purchases. Unlike PayPal Cash Back Mastercard which comes with a 2% cash back, the Fargo Active Credit card comes with a welcome bonus. In the initial 3 months, one can receive $200 on every $500 purchase.

Every purchase has 2% cashback and hence it becomes a better choice than the Torrid credit card.

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

If one has an Amazon Prime membership, they must get the Amazon Prime Rewards Visa Signature Card as it earns 5% cash back in rewards. The rewards are received at and Whole Foods Market if one has an eligible Prime membership. 

Visa Signature User cards get 5% back on Chase Travel purchases, and 2% discounts at restaurants, gas stations, drugstores, and regional transit and commuting. Moreover, one gets 1% off all other regular purchases, and 10% discounts or more in bonus rewards on rotating categories and products sold on the Amazon website. 

Unlike the store-branded Torrid credit card, Signature Visa card can be utilized anywhere in the world and earn rewards, if the purchase is made somewhere that accepts Visa. Additionally, it has numerous redemption options for a store card. Redeem your points on or for cash back, and gift cards, and travel through the redeem options into your Visa wallet. 

One can apply for the Signature Visa card, one needs a $139 Amazon Prime Membership ($69 for students). Cardholders receive 5% cash back in rewards at Likewise, one also receives 5% on Whole Foods Market and Chase Tracel purchases with an eligible Prime membership. At restaurants, gas stations, drugstores, and local transit and commuting, one receives 2% cash back and 1% on all regular purchases. 

Visa card users also receive rewards on rotating categories and products sold on Usually, they have 10% discounts. This feature is quite beneficial to the Tortid Credit card. However, 0% introductory APR periods aren’t offered to their members. 

Cardholders have a balance transfer fee of either $5 or 4% on each transfer or purchase. At each transfer, whichever is greater, applies to the shopping. 

After learning about different credit cards, one can easily assess whether a Credit card is beneficial for someone or not. 

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Linta Rizwan

Linta Rizwan loves reading books, articles, research papers, and news journals. The person who reads a lot also manifests their ideas in writing. Hence, that's how my passion for writing started, and I started working as a Freelance Content Writer in 2021. My field of English Literature and passion for sharing information also helped me in rendering my devotion to my profession. Besides that, I like to engage in sketching and taking part in various discussion forums and curricular clubs.

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