7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Talbots Purchases (Premier Status) | 2x | Points | Earn 2 points for every $1 spent on purchases at Talbots stores or talbots.com with the Talbots Credit Card for cardmembers who have achieved Premier status. | No Cap | |
| Talbots Purchases | 1x | Points | Earn 1 point for every $1 spent on purchases at Talbots stores or talbots.com with the Talbots Credit Card. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Birthday Offer
Special birthday offerTalbots Credit Cardholders receive a special offer during their birthday month. Specific offer details may vary.
Shopping 5
Preferred Status Points Earning
1.25 points per $1 spentAs a Talbots Credit Cardholder with automatic Preferred status, you earn 1.25 points for every $1 spent on eligible purchases at Talbots stores and talbots.com.
Reward Certificate Redemption
$25 reward for 500 pointsAccumulated points are converted into Talbots Rewards. You receive a $25 Talbots Reward for every 500 points earned.
Exclusive Cardholder Offers
Exclusive promotions and discountsAccess to special promotions, discounts, and events available only to Talbots Credit Cardholders.
Free Standard Shipping
Free standard shipping on all ordersTalbots Credit Cardholders, as part of their Preferred status, receive free standard shipping on every order placed at Talbots stores or talbots.com.
Early Access to Sales
Early access to sales and eventsTalbots Credit Cardholders, as part of their Preferred status, receive early access to sales and special events.
Status Benefits 1
Automatic Preferred Status
Automatic Preferred StatusTalbots Credit Cardholders automatically qualify for Preferred status in the Talbots Classic Awards Program, regardless of their annual spending amount. This status unlocks enhanced benefits.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Talbots Credit Card, issued by BreadFinance, offers new cardholders a typical sign-up bonus of 15-20% off their first purchase made with the card, often combined with free standard shipping on that initial order. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and a verifiable U.S. mailing address. Approval is contingent upon creditworthiness, including credit history and income, as assessed by BreadFinance. Prior negative account history with BreadFinance (formerly Comenity) may negatively impact eligibility.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The Talbots Credit Card is a standalone store card with no direct 'card family' rules impacting rewards or benefits based on holding other Talbots-branded cards. However, BreadFinance, as the issuer, assesses overall credit risk across all accounts they manage for an individual. Holding a large number of BreadFinance-issued store cards (e.g., more than 5-7) or having high cumulative credit utilization across these accounts can negatively impact approval odds for new BreadFinance cards or lead to credit line reductions on existing accounts.
Special Events: Cardholders can expect exclusive early access to sales events (e.g., 'Talbots Friends & Family' pre-sales), special double or triple points earning days on specific categories or during promotional periods, personalized birthday discounts or offers, and exclusive free shipping promotions.
Holiday Promos: Key promotional periods include major retail holidays such as Black Friday, Cyber Monday, and the extended Christmas/Holiday Season (typically November-December). Additionally, cardholders can anticipate special offers during seasonal sales (Spring, Summer, Fall, Winter clearance), and specific gifting holidays like Mother's Day and Valentine's Day.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Initial discounts and exclusive offers for Talbots purchases are appreciated. The application process is generally straightforward for loyal customers.
Top Negative:
Common complaints include a high Annual Percentage Rate (APR), limited acceptance outside of Talbots stores, and reported issues with customer service from the issuer (Comenity/Bread Financial). Some users also find credit limit management restrictive.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
- Kohl's Charge
Card Value Score: 45.0 / 100
Est. Annual Rewards: $60.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0