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What is the credit limit and Annual Percentage Rate (APR) for the Torrid credit card? How do you keep my data collected through the credit card application process safe? All Help Topics. ... Torrid Accounts are issued by Comenity Bank. 1 …home > customer service > torrid credit card. Get 40% off your first purchase when you open and immediately use the Torrid Credit Card online. 1. Get an Extra 5% off every purchase with your Torrid Credit Card. 2. A special $15 off $50 purchase Welcome Offer when your Torrid Credit Card arrives. 3. Get exclusive access to sales, offers and more!Rate and Fee Summary. This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Torrid Credit Card Account. Read it and keep it. Interest Rates and Interest Charges. Annual Percentage Rate (APR) for Purchases. 35.24%. This APR will vary with the market based on the Prime Rate. 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