Last Updated: 07/28/2025
SuperMoney User Recommendation Score -67
Strongly not recommended6 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
Up to 27.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Talbots Credit Card Review
This is a store card issued by Comenity Bank. If you're wondering whether Talbots Credit Card is the right card for you, read on.
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 will have good approval odds if you have a fair credit score or better.
Pros & Cons of Talbots credit card
| The Good | The Bad |
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Talbots credit card FAQ
Does Talbots credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Talbots credit card?
It has a variable purchase APR of up to 27.24%. Talbots Credit Card does not offer balance transfers.Does Talbots credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Talbots Credit Card does not offer balance transfers.Does Talbots credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Talbots credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Talbots credit card?
The customer service number for Talbots credit card is (185) 579-69632.
What is the login page for Talbots credit card?
You can access the login page of Talbots credit card here.
How do people rate the customer service and user experience of Talbots credit card?
Overall, Talbots credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Talbots Credit Card report your account activity to credit bureaus?
Yes, Talbots Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Talbots credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Talbots credit card
- Visit the website of Talbots credit card.
- 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.
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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.
Contact
Headquarters
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM