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If you would need a credit card solely for Torrid purchases it may be good to apply for their co-branded credit card, but in case you need a card that earn rewards on all purchases. We would recommend you to apply for the cash back credit card. You have to look at the monetary value of each reward you might earn. Things like savings on gas, reimbursements for travel expenses on your statement, and cash back for purchases in select categories can be worth a lot. Take some time to explore all your options before diving in and applying.