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Hot Topic Credit Card Review | Login – Application [Hot Topic Credit Card Payment]

Hot Topic Credit Card

The Hot Topic Credit Card is a great store card that comes with a few benefits and discounts. You can earn the same rewards by signing up for the free Hot Topic Guest List program as you’d earn on the Hot Topic Credit Card.
Even better, using a cash-back or rewards credit card will earn you additional rewards.

For most people, that’s the better way to go. But read on to find out everything you need to know about the Credit Card which can better inform your decision.
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Hot Topic Credit Card

Hot Topic Credit Card


  • Earn 1 point per $1 for the first $500 you spend at Hot Topic each year
  • Earn 1.5 points per $1 for each dollar spent in excess of $500
  • Get $5 off your next purchase for every 100 points earned
  • 2 coupons for $20 off a purchase of $50 or more each year
  • Exclusive discounts and offers


Hot Topic Credit Card Fees:

  • Up to $38 for late payment
  • Up to $38 for a returned payment

The Features

Credit card features:

  • Get 15% off your first purchase paid with this credit card.
  • Earn 1 point for every $1 you spend at Hot Topic; 100 points can be redeemed towards $5 for Hot Topic purchases.
  • Receive Guest List VIP status after attaining 500 points, i.e. after spending $500 at Hot Topic stores.
  • You will receive two coupons for $20 off for the purchases of $50 or more every year.
  • Get early access to sales and events.
  • Receive extra offers on your card anniversary and birthday.

Here are the highlights of this Credit Card:
Annual Fee: $0
APR: 27.24%
Sign-Up Bonus: 15% off your first purchase
Hot Topic offers an amazing credit card for those customers who frequently visit Hot Topic stores – this card might be a viable option for them.

Yet, the card cannot be used elsewhere than at Hot Topic stores, so it barely makes any sense to apply for it if you don’t shop at the stores of this chain frequently. But let’s look into this credit card in detail.
The first thing to mention in this Hot Topic credit card review is the fact that this card comes without an annual fee but with a high purchase APR.

So even if you want to make a purchase with credit funds, we highly recommend you to pay that debt off in 25 days – that’s the interest-free period. The other fees of this credit card are quite hefty as well: late fees and return payment fees can be as high as $38 each.

Even though this card is really a poor option for paying with credit funds, the bonuses it offers are truly worthwhile. First of all, one has to mention in this Hot Topic credit card review the actual rewards offered by this card. So, you will get 1 point for each $1 that you spend at Hot Topic stores.

After you reach 100 points, you can redeem them towards $5 for Hot Topic purchases. That actually leaves you with the astonishing 5% rewards rate!
But that is not the end of the story, actually. After you have gained 500 points in total, you will receive the Guest List VIP status. That status will provide you with such bonuses like the $2 standard shipping for all your orders and a dedicated customer support line. But most importantly, you will receive 1.25 points for every dollar spent then. That actually boosts your rewards rate to as high as 6.25%!

Apart from such an enormously high rewards rate, this credit card can boast a number of other advantages as well. The card’s sign-up bonus is 15% off your first purchase with this credit card. Also, you will earn two coupons with 20% off the purchases of $50 and more every year. Besides, the card also grants you early access to events and sales, as well as you will get extra offers on your card anniversary and birthday.

Our Views:

As the Hot Topic credit card review showed, this store-branded credit card is definitely worth your attention if you are a frequent to Hot Topic stores. Keep in mind, however, that you should make payments on time and don’t borrow with this card – the APR and fees are a way too high.
An extraordinarily high rewards rate of up to 6.25%.
Easy-to-attain Guest List VIP status.
A large number of discounts & offers, as well as early access to sales and events.
No annual fee.
High late payment and return payment fees.
Staggering APR (which is, however, usual across store-branded credit cards).
This credit card cannot be used elsewhere than Hot Topic stores.

where can I use my hot topic credit card

The credit card can only be used in Hot Topic stores.

How do you redeem Hot Topic Guest List rewards?

Rewards are added to your account automatically when you accumulate 100 points and automatically applied to your next purchase in-store on online.
Rewards expire 45 days after the issue. You cannot receive a refund for rewards redeemed on a product that you purchased and later returned.

Does Hot Topic offer free shipping?

Many store credit cards offer free shipping for online purchases, but the Hot Topic Credit Card isn’t one of them. The only way to get free shipping from Hot Topic is to choose the ship to store option at checkout.

You can take Advantages of the ongoing benefits

The Hot Topic Credit Card offers a variety of useful perks for frequent Hot Topic shoppers. Twice a year, you’ll receive a voucher to save $20 on a purchase of $50 or more. Cardholders automatically receive these vouchers and other exclusive coupons.

You also get early access to Hot Topic sales and events. That means that you’ll have the chance to sign up for exclusive events before anyone else does.

Drawbacks and Downsides

Before you apply for the Credit Card, read up on these downsides.
The Hot Topic Credit Card is simply an extension of Hot Topic’s Guest List loyalty program. You can sign up for the program without signing up for the card. In fact, you don’t earn any additional points with the card and don’t accelerate toward VIP status.

You’ll earn 1 point for every $1 that you spend, with or without the card. Once you spend $500 in a year, you’ll qualify for Guest List VIP status and earn 1.25 points per $1 spent. Just be advised that your $5 reward expires 45 days after being issued.
In fact, by not signing up for the card, you can double dip. Use another card that earns rewards, then accrue points from the Guest List program.

You can only use the card at Hot Topic stores
The Hot Topic Credit Card works only at Hot Topic stores. That’s the problem with store cards. If you don’t want to carry too many credit cards in your wallet, you’ll have to decide whether you’re willing to carry a card just to shop at Hot Topic.

Hot Topic Credit Card Application

Apply for Hot Topic Credit Card
If you are seeking how to apply for a credit card from Hot Topic, we will disclose this process at this point in our review. This procedure may take anywhere from 5 to 15 minutes, but one may surely state that it tends to be as simple and quick as possible. Besides, you will receive the result right after submitting your application

This is how you can apply for a Hot Topic credit card:
In the first place, you should open the Comenity website
Right after doing so, you will get to see the website of the Hot Topic card. At the top of that website, you need to click on “Apply.”

Once you have done that, you will get to see the application form. Start filling it out. Provide your first and last name, social security number, date of birth, and annual income.
On the next page, provide all the information that Hot Topic (i.e. Comenity Bank) requires you to provide, including your credit score. Once you are done with that, click on the “Submit” button.

Right after that, you will get to see the page that shows you whether you have been accepted or declined to get a credit card from Hot Topic. If you have been accepted, the credit card will be delivered right into your mail within several weeks.

Bottom Line: Should You Apply for this Credit Card?

There’s little reason to apply for this Credit Card. Even if you shop at Hot Topic on a regular basis, you earn the same rewards just by signing up for the standard Guest List loyalty program.
You’re better off signing up for the loyalty program and then using a cash-back credit card to double-dip on rewards.

Hot Topic Credit Card Login

If you are seeking how to complete the Hot Topic credit card login, you will find out in this part of our review how to do it in a matter of seconds. Once you have signed up for online banking with Comenity and Hot Topic, you are able to access your credit card account anytime. This is how you can log in to your credit card account with Hot Topic:

At first, you should start the procedure by going to the Comenity website. For that, click on this button:
On the website of Comenity Bank, you will notice the login menu, placed on the top of the page. There, you need to enter your Username and then Your Password.
then Click on Sign-in

Hot Topic Credit Card Payment

Now, you have just accessed the website. On the left side of the page, you will get to see the online banking form – that is the place where you can log in to your Hot Topic account.
Enter your online banking username in the first field of that form.
Then, enter your password in the second field of that form.

You can also check the box near “Remember Me” in order to save your username for future sessions.
After all, you can finalize the procedure by clicking on the “Sign In” button.
Now, you have just logged in to your credit card account. At this point, you can do any actions you wanted with your credit card.

Pay my hot topic credit card

When it comes to how to pay your credit card from Hot Topic, their several ways how you can do it. First of all, you can pay your card in the branches and offices of Comenity Bank. But we recommend you to pay your Hot Topic credit card online – that will allow you to save your time.

In order to pay this credit card online, you must register for online access on the following website: Once that is ready, you can log in to your credit card account there and make your payment there. If you have any other questions, please check our FAQ or contact the customer service for help: 1-844-271-2526.

Hot Topic Credit Card Minimum Payment:

The minimum payment will be:

  • A minimum of $27, or
  • The full statement balance if less than $27, or
  • The sum of all minimum payments for any payment plans attached to your card

Why Apply for the Hot Topic Guest List Credit Card

There are a few reasons to consider applying for this Card.
You want to save money on a large purchase at Hot Topic
When you sign up for the Hot Topic Guest List Credit Card, you’ll automatically receive a sign-up bonus of 15% off your first purchase.

This can be a significant amount of money if you’re already planning to spend a lot in one shot at the store. If you don’t mind picking up a new credit card for the one-time discount, there are worse sign-up bonuses out there.

Hot Topic Guest List Credit Card Alternatives

Obviously, the credit card from Hot Topic offers a truly generous rewards rate on purchases. This card would be truly perfect for any frequent to Hot Topic. But, perhaps, you may want a little bit different mix of rewards?

If you’re thinking about applying for the card, you should also consider these alternatives.
In this part of our review, we compared this card to a few other credit cards.

Hot Topic Guest List vs Chase Freedom
best cashback credit cards
Annual fee: $0.
Purchase APR: from 16.74% to 25.49%.
Recommended credit score: from 690 to 850.

Most suitable for: low and average spenders who want to enjoy high cashback rewards on select categories.
Chase Freedom is one of the top credit cards from Chase Bank, which offers generous rewards.

Unlike Hot Topic Guest List Card, Chase Freedom comes with a lower purchase APR and a number of other bonuses. Indeed, you shouldn’t expect such a high reward rate from this card, but there are other advantages.

Unlike Hot Topic card, Chase Freedom will provide you with 5% cash back rewards on select categories every quarter (with up to $1,500 spent). And while that’s equal to the basic rewards of the Hot Topic Guest List Card, you cannot be sure that Hot Topic stores will be frequently available for selecting as a category.

So, if you frequently shop at Hot Topic, you may still pursue applying for the Hot Topic card. After all, it won’t be so bad to have another card for you.
But in terms of other rewards, Chase Freedom outperforms Hot Topic Guest List in everything. You will also get a $150 welcome bonus if you manage to spend $500 within the first 3 months. In addition, you will receive a cashback of 1% on all purchases you make.

Likewise, you can benefit from a 0% intro APR period on both balance transfers and purchases, which will be valid for 15 months.
So, if your credit score allows you to grab a Chase Freedom card, you should definitely pursue it. But if you tend to be a frequent visitor to Hot Topic stores, you may get more from its 6.25% rewards rate and exclusive discounts and offers.

Hot Topic Guest List vs U.S. Bank Cash+ Visa Signature
credit cards with the best cashback
Annual fee: $0.
Purchase APR: from 14.74% to 23.74%.
Recommended credit score: from 720 to 850.
Most suitable for: rewards maximizers who can benefit from a high cashback rate on select categories.
If you know well how to maximize rewards, U.S. Bank Cash+ Visa Signature Card may be a viable option for you. The credit card comes without an annual fee but offers extremely generous rewards at the same time. Let’s break it up into the details.

Same as Chase Freedom, this credit card from U.S. Bank offers 5% cash back on quarterly categories (for up to $2,000 per quarter). If Hot Topic or department stores appear to be among those categories, it may be a pretty decent option – it only slightly lags behind the 6.25% rewards rate, offered by the Hot Topic card.

But this U.S. Bank credit card comes with an abundance of other features. It also provides 2% cashback on one of the everyday categories (groceries, restaurants, and gas stations) and 1% cashback on everything else. At the end of the day, the card comes with a generous welcome bonus of $150 (spend just $500 within three months in order to receive it) and a 12-month long intro period on balance transfers.

As you can see, the card from U.S. Bank offers paramount rewards. But at the same time, it also requires excellent credit. So, if you have a fair credit score and you tend to visit Hot Topic stores rather often, there is no reason why would you attempt to apply for the U.S. Bankcard.

Citi Double Cash Card
If you want a credit card that earns 2% cashback everywhere, you should think about signing up for the Citi

Double Cash Card. It earns 1% cash back at the time of purchase, and another 1% when you make your payment. This card is great for people who want one card that they can use everywhere. Best of all, it’s accepted everywhere that takes MasterCard.

Chase Freedom vs Hot Topic Credit Card
If you want a card that can earn flexible rewards close to the Hot Topic Credit Card’s earning rate, opt for the Chase Freedom card. Though the Hot Topic Credit Card earns an effective 5% or 6.25% cashback, those rewards are only useful at Hot Topics.

The Chase Freedom card offers 5% cashback on categories that rotate each quarter, giving you the ability to earn a lot of cashback if you shop at the right merchants. Plus, you’ll earn 1% cash back on non-bonus spending, too.

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