Hot Topic Credit Card – Everything You Need To Know

Are you in search of details for hot topic credit card? If yes then you have landed at the right place. In the article we are going to tell you all the information about Hot Topic Credit Card which will clear all your confusions. There is a lot of hype going on regarding it, but we are sure that it will be cleared off after reading this article.

After reading this article you will be able to successfully apply for hot topic credit card and also know the pros and cons of using it.

The annual fee of hot topic credit card comes out to be $0. You must be impressed after reading this. The purchase APR of it is 26.74% which is variable accordingly. The recommended credit score for hot topic credit card is between 620 to 850.

This credit card is suitable for thos typical customers who oftenly do shopping at hot topic and always want to get extra rewards for free. For these type of customers this credit card can be proved best for their use. The thing you should know is that the hot topic credit card can only be used in hot topic stores and not at all stores.

One of the most important thing that you must remember is that, though it comes without an annual fee but it has a very high purchase APR. So you must be beware of this thing.

Features Of Hot Topic Credit Card

  • Using hot topic credit card you are eligible to receive Guest list VIP status as soon as you complete 500 points. You can attain 500 points by spending $500 at the stores of Hot Topic.
  • After getting this credit card you are eligible to get 15% discount on your first purchase.
  • You will earn 1 point when you spend $1 in hot topic stores. 100 points can be used as $5 while purchasing from hot topic.
  • You will be eligible to receive two unique coupons which will give you $20 off when you make a purchase of 50$ or more every year.

Pros Of Hot Topic Credit Card

  • The first cons on the list is that it is quite easy to reach a remark of attaining Guest list VIP status.
  • Hot topic credit card provides reward rates of 6.25% which seems to be quite extraordinary.
  • The best advantage is that this credit card has no annual fee.
  • Using a hot topic credit card makes you eligible to a huge amount of discounts and offers. It allows gives access to sales and events before they start.

Cons Of Hot Topic Credit Card

  • The first cons of Hot topic credit card is that the APR of this credit card is quite staggering. But it is not a big deal as it is common among all the branded credit cards.
  • If you become late in returning the amount then you are in a huge debt. The return payment fees of this credit card is quite high which is a major cons.
  • Another cons is that this credit card can only be used in the stores of Hot Topic only and not at others.

Using this credit card is not a option which is worth choosing but the bonuses which are provided by it are very worth getting. Not only high reward rate but it also offers a bonus of 15% discount on your first purchase with your credit card when you sign up to hot topic credit card. Leaving all this you can also get an early access to the amazing sales and events and can dos hopping before the product goes out of stock.

How To Apply For Hot Topic Credit Card

You can follow these steps in order to apply for hot topic credit card-

  • First of all head up to website
  • As soon as you reach the comenity blank, head up to the menu section placed at the header of the website.
  • Now enter the keyword “hot topic” and choose the hot topic from the drop down menu.
  • Now scroll down for few second and you will see a url in blue color under the Hot Topic keyword. Simply click on it.
  • As soon as you click on the link you are redirected to the site of Hot topic. Now at the header of this website there is a button stating to Apply Now. Simply click on it and fill the details and submit it to the website. Now after submitted all the details if Hot Topic accepts you, then the credit card will be delievered to our mail in several weeks.


If you are really a frequent shopper from hot topic stores, then this credit card is made for you. After reading this article it has surely catched your attention. Before shopping from hot topic credit card remember that The payments done by you should always be on time. This is because of the PR and return fees is quite high.

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