Talbots Credit Card
Basic Information
Program ID: talbots-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:34
Last Scraped: 01/15/2026 12:36
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 3,124.00%
Sign-Up Bonus
Bonus Amount: $2,500.00
Spending Requirement: $750.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Talbots Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Talbots Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after earning or if account is inactive for 12 months.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Talbots Credit Card, issued by BreadFinance, typically offers a first-purchase discount (e.g., 15-20% off) upon approval and ongoing rewards (e.g., points per dollar spent, redeemable for store credit). Eligibility requirements for 2026 are expected to remain consistent: applicants must be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and generally have good to excellent credit (typically 670+ FICO score). Approval is subject to creditworthiness and BreadFinance's internal lending criteria, including review of existing BreadFinance accounts.
Maximum Cards Per Issuer: 15
Minimum Spend Interval: N/A for primary bonus (first-purchase discount); 30-90 days for targeted spend offers.
Shutdown Risk Triggers: Late payments or default on any BreadFinance/Comenity account, high credit utilization on the Talbots card, suspected fraudulent activity, bankruptcy, or opening an excessive number of BreadFinance accounts in a very short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for Talbots purchases, easy application process for store loyalists, potential for credit building.
Top Negative Feedback:
High APR, limited use outside Talbots stores, occasional customer service challenges, potentially low credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One QuicksilverOne
- Kohl's Charge
Card Value Score: 70.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: October 2023