Apply now for the card that lets you earn Torrid exclusives:

In addition to your Base or Platinum Insider benefits, the Credit Card offers:

  • $15 off $50 Welcome Offer (when your card arrives)*

  • 25% off your first Torrid Credit Card purchase†

  • 30% off cardholder shopping passes (twice per year!)**

Credit Card
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Financial Education Graduation Cap
Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Learn More
Financial Education Graduation Cap
Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Learn More

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*Subject to credit approval. Must surrender coupon upon redemption. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire transaction amount after discount must be placed on the Torrid Insider credit card. Not valid on prior purchases or payments towards the Torrid credit card. Void if copied, reproduced, sold or transferred. Void where prohibited. Qualifying items do not include clearance merchandise, gift cards, taxes, shipping, Spanx, or any third-party brands. Coupon has no cash value. Employees and families of Torrid LLC and its subsidiaries are ineligible. . This rewards program is provided by Torrid and its terms may change at any time. For full Rewards Terms and Conditions, please see https://www.torrid.com/torrid/customer-service/torrid-insider/td-customerservice-insider-legal.html. This offer is issued for reward purposes. Associates, please scan barcode for discount. FOR ONLINE PURCHASES, THE DISCOUNT WILL SHOW IN CHECKOUT ONCE THE TORRID CREDIT CARD HAS BEEN SELECTED AS PAYMENT TYPE AND THE PROMO CODE HAS BEEN ENTERED.
Torrid Insider Credit Card Accounts are issued by Comenity Bank.

Torrid credit card

Torrid Insider Credit Card

Apply for the Torrid Insider Credit Card today.

The application process is easy and takes only a few minutes. Once you are approved and have received your account information, you can begin enjoying all the benefits of your Torrid Insider credit card account.

In addition to your Base or Platinum Insider benefits, the Credit Card offers:

  • $15 off $50 Welcome Offer (when your card arrives)*

  • 25% off your first Torrid Credit Card purchase†

  • 30% off cardholder shopping passes (twice per year!)**



*Subject to credit approval.  Not valid on previous purchases.  The $15 off $50 Welcome Offer will be included when you receive your new TORRID INSIDER CREDIT CARD

**A valid email is required. To update your email address, please visit comenity.net/torrid to register or sign in and update under "My Profile."

†Subject to credit approval. In store: promo must be used immediately upon approval and payment must be made using newly-opened Torrid Credit Card. Online: promo code will be displayed on Comenity site following approval and will be valid for 30 days from the time of approval. Discount applied at time of checkout online with promo code. All clearance sales are final. May not be combined with any other discounts or offers. Offers not available for prior purchases, gift cards, shipping handling, or taxes. Excludes SPANX merchandise or select Halloween items. Void where prohibited by law. Offer has no cash value and is not redeemable for cash. Employees and families of Torrid and its subsidiaries are ineligible. Torrid reserves the right to end or modify this promo at any time.

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