Talbots Credit Card

Talbots Credit Card

in Personal Credit Cards from Comenity


Talbots Credit Card


in Personal Credit Cards from Comenity

Net Recommendation Score -100%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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2 users don't recommend
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Purchase APR  (Variable APR) Up to 27.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Talbots Credit Card Review

Talbots Credit Card is a store credit card issued by Comenity. If you're wondering whether Talbots Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Talbots Credit Card Pros & Cons
The Good The Bad
  • Receive 1 point for every $1 spent on your Talbots Credit Card $25 Reward at 500 points
  • Birthday Rewards with Talbot's credit card: Extra 15% Off savings for your birthday
  • Bonus Points Events Exclusive Access to sneak peaks and style content in our monthly e-news
  • Receive extra 5% Off During Semi-Annual Red Hanger Clearance Sales
  • No annual fee.
  • Talbots Credit Card reports to multiple credit bureaus.
  • Can only be used at Talbots.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card benefits.
Talbots Credit Card FAQ

Is there a Talbots Credit Card cash back or rewards program?

No, Talbots Credit Card does not offer a rewards program.

What are the Talbots Credit Card benefits?

Talbots Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Talbots Credit Card?

Talbots Credit Card has a variable purchase APR of up to 27.24%.

Does Talbots Credit Card have an introductory APR offer on balance transfers?

No, Talbots Credit Card does not come with an introductory APR offer for balance transfers.

Does Talbots Credit Card have an introductory APR offer on new purchases?

Talbots Credit Card does not offer an introductory rate on new purchases.
Talbots Credit Card Purchase Intro Offer

What are the fees for Talbots Credit Card?

The following fees apply to Talbots Credit Card:

Talbots Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Talbots Credit Card report your account activity to credit bureaus?

Yes, Talbots Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Talbots Credit Card

  • Visit the Talbots Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

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Message From Our Editor

What we love about Talbots Credit Card

Talbots Credit Card offers frequent shoppers rewards and perks without charging an annual fee. There is also a 15% discount on your birthday and 5% extra off during Red Hanger sales. Customers who get the Talbots Credit Card Premier can also qualify for free shipping and additional discounts.

What could Talbots Credit Card do better?

This card charges a high APR and expensive fees. Also, it doesn't offer a 0% interest financing option, which is relatively common among store cards. The free shipping perk is only available to customers that upgrade to the premier card, which requires credit approval and a minimum of $1,000 in purchases every year. However, neither of the cards are linked to a major payment network, such as Visa and Mastercard.

Talbots backstory

Talbots is a specialty retailer and direct marketer of women's clothing, shoes, and fashion accessories. Talbot operates nearly 500 stores in the United States. 

The Verdict

If you are a regular shopper at Talbots and you don't have great credit, this may be a credit card worth looking into. However, remember it can only be used at Talbots, and you will need to meet the minimum annual purchase requirement to qualify for the free shipping perk. 


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Annual Loyalty Bonus (points) 100
Rewards Categories
  • 5x Points on In-Store Eligible Purchases
Purchase APR (Variable APR) Up to 27.24%
Card Type
  • Store Card
Card Network Other

Talbots Credit Card Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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