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Torrid. com accepts torrid credit card, mastercard, visa, discover, american express and atm/debit cards with the visa or mastercard logo. You may also pay with a torrid gift card,. Sign in or sign up to be a torrid insider! Be the first to shop sales, earn $10 in rewards for every 250 points, and get special birthday rewards. To make the most of your torrid credit card and avoid potential pitfalls, follow these tips: Pay your balance in full: Sign in to manage your torrid credit card account, pay bills, review statements, and update personal information.