Torrid is a great place for hot plus-sized fashion, but think twice before you use their credit card. Here’s why…
Torrid has 2 different reward programs – Divastatus & Divastyle
Divastyle is a free customer loyalty rewards program available to everyone, you do not need the Torrid credit card to participate. The benefits are generous – you get access to exclusive shopping events and special offers. After you sign up you earn one Divastyle point for every dollar spent. After you reach 250 points, you become a qualified member for a full year and will get 5% off on all your purchases at Torrid!
Divastatus is a different program that is only offered to Torrid credit card holders (which I’ll explain in a moment).
Now let’s talk about the credit card offer…
What type of card is it?
This is not a major credit card, it can only be used at Torrid stores and on their website. It is issued by Comenity (formally known as World Financial Network National Bank or WFNNB).
How’s the customer service?
I’ve actually haven’t heard any reviews yet (good or bad) of the Torrid credit card’s customer service. However, there are a ton of negative reviews online about the issuing bank (one of the most complained about in the credit card world) so that is definitely a red flag in my book. But like I said, I have yet to hear from a Torrid card holder so I can’t conclude one way or another until I get feedback about their customer service experiences.
What’s the interest rate?
Obviously these things can change at any time, but at the time of this review the Torrid card application listed a 24.99% APR… this is definitely high and makes this card a poor choice if you ever carry a balance!
How do the credit card rewards work?
The Divastatus rewards gives a $10 rewards certificate per 200 points earned… so essentially that’s a 5% rebate. Aside from that, there are also specials and promotions and whatever the first purchase discount may be (which was 15% off the first purchase as I’m writing this).
It’s not that the Torrid credit card rewards are bad, but it’s just that the basic reward program that is open to everyone (even if you don’t have their credit card) is a darn good deal in and of itself. You already have the ability to earn 5% discounts on all your purchases without the Torrid credit card, so it’s a matter of whether or not you actually want to hassle with another credit card – that can only be used at one store – to get the extra rewards/perks it offers.
A better idea?
Believe it or not, there are a couple major credit cards on the market that give up to 5% rewards on spending at all clothing stores (like Torrid) and all department stores. If you’re going to get another card for rewards, you might as well get one that can offer up to 5% at every clothing store, right?
You can find more in Credit Card Forum’s sponsored listing of the best 5% cash back credit cards.
updated for Jan 2013