How to Apply for a Torrid Credit Card

The Torrid credit card offers wonderful perks for frequent shoppers, including the chance to earn a $10 reward for every $200 spent in store or online. Applying for the card takes just a few minutes.


The Torrid credit card is issued by Comenity Bank. To receive a card, you must be:

  • 18 years of age or older
  • Able to supply a valid photo ID
  • Able to produce a US Social Security number

How to Apply

Step 1 – Visit the credit card application page. The introductory screen simply outlines some of the card’s benefits and application requirements. Click on the black “Start application” button to begin.

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Step 2 – In the personal information section, enter your first name, middle initial, last name, and preferred suffix. Provide your Social Security number and date of birth.

In the annual income section, list your yearly income from all sources. However, alimony, child support, and maintenance income don’t need to be included unless you want to have them considered as a basis for your application approval.

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Step 3 – Enter your address, keeping in mind that PO Boxes aren’t accepted for application purposes. Provide a home phone number and an optional work phone number. Enter and confirm your email address.

Add an authorized buyer, if desired.

Click on the black “Continue” button to be taken to the card’s terms and conditions. Read the document carefully, then print or save a copy for your records before submitting your application for processing.

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