Talbots Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Talbots Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees15 % initial rewards bonusQualify with fair creditSpending caps on rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Talbots Credit Card has a rating of 3.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Talbots Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Talbots Credit Card earned a score of 5.0/5 for Fees, 3.8/5 for Rewards, 4.0/5 for Cost, and 3.6/5 for User Reviews. Info about the Talbots Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
63 reviewsRead and write reviews
Market Comparison
Market Comparison
3.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.8
Cost
4.0
Other Features
0.0
3.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive 15% off your first purchase made with your Talbots Credit Card.
Earn 1 point for every $1 spent on all purchases with your credit card.
Earn Premier Status when you spend $1,000 annually on your Talbots Credit Card. Additionally, earn 1.25 points for every dollar spent on all purchases
Extra 15% off savings for your birthday.
Free Shipping with Premier status on purchases using your Talbots Credit Card.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
3.9
fees: 5.0
rewards: 3.8
cost: 4.0
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.2
Market Comparison
4.4
fees: 5.0
rewards: 4.3
cost: 4.6
Other Features: 0.0
(63)
(852)
(14)
annual fee$0
annual fee$0
annual fee$0
rewards rate 1 point / $1
rewards rate 1.5 - 5% Cash Back
rewards rate 1 - 5% Cash Rewards
bonus offer15 %
bonus offer $200
bonus offer $150 Amazon gift card
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about Talbots Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make Talbots Credit Card payment online, by phone, by mail or through EasyPay. To pay Talbots Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make Talbots Credit Card Payment
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
By phone: Call 1-800-225-8204 and enter your card information when prompted, then press n/a.
By mail: Send a check or money order (but not cash) to Comenity Bank, PO Box 182273, Columbus, OH 43218-2273. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Talbots Credit Cardpayment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
If your Talbots Credit Card was stolen, you should report it immediately by calling customer service at (800) 225-8204. The issuer will request some security information in order to verify your identity before sending a replacement.
You can buy a gift card with the Talbots Credit Card, but you can only do so at Talbots store and talbots.com. The Talbots Credit Card is a store card, which means you can't use the card everywhere.
If you want to learn more, you can check out WalletHub's editor's picks for the best store cards.
Yes, you can pay your Talbots Credit Card in any Talbots store by visiting the register during regular business hours. Talbots accepts cash or debit cards for in-store credit card payments, so make sure to have one of those on hand.
Making a Talbots Credit Card payment in person at a store is relatively easy, but there are a few details you should be aware of first.
Key Things to Know About Talbots Credit Card Payments
The Talbots Credit Card is issued by Comenity Bank, a financial services company that offers more than 145 co-branded credit cards.
The Talbots Credit Card is a pretty good store card for people with above fair credit who shop at Talbots. The card offers 1 point per $1 spent on purchases, as well as discounts and free shipping. The card also comes with a $0 annual fee.
There is no disclosed starting credit limit for the Talbots Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
No, you cannot use your Talbots Credit Card everywhere you want. The card is not backed by any major credit card network, and can only be used for purchases at Talbots stores and online at talbots.com.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Talbots Credit Card offers up to 15% discounts and has a $0 annual fee. This can make the card a worthwhile option for people...
There is no disclosed income requirement for the Talbots Credit Card. When it comes to income, what matters most is whether you will be able to afford paying your new line of credit or not.
Having said that, it is also worth noting that the Talbots Credit Card only accepts applicants with fair credit or better. And apart from your credit score and income, the issuer will also take various other factors into consideration, like your credit history...
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit any unused points, so be sure to redeem them before you cancel the card. You...
Share your insights and review for the Talbots Credit Card
5
49%
4
17%
3
6%
2
6%
1
21%
3.6
63 reviews
63 reviews
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Cheryl Jones @cljones
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1 Star Rating
I was a loyal customer of Talbot's for over 30 years. I didn't pay much attention to the interest rate when Talbot's started using Comenity Bank for their store credit card because I always paid off the card in full soon after I purchased items. The rewards and perks of using their card are great - free shipping, discounts, etc. However, I noticed they were charging small "interest fees" the month after I paid off the card. This is Comenity's policy. Then I received an email this year (2024) that they were increasing their interest rate to 35.9% on unpaid balances. I vaguely recall usury laws going into effect many years ago that limited the amount of interest, but apparently, that only applies to loans and there is no limit to what a bank can charge on their credit cards. I think this high of a rate is absolutely unethical and canceled my card immediately. I cannot support a business that misleads its customers like this. I have three issues with Talbots and Comenity: 1) the "junk fee" added the month after your card is paid in full, 2) the exorbitant interest rate, and 3) the delay in posting credits when a purchase is returned. It can take weeks after an email confirming Talbot's received the item before the credit is posted to your card -- I suspect this is planned so they can charge you interest. I will no longer do business with Talbot's until and unless they choose an ethical company to handle their credit cards.
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peterd7510 @peterd7510
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1 Star Rating
Applied for the card with a FICO score of 803 and a household income of over $300,000. I was assigned a credit line of $250. Completely worthless!
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Kennedys33705 @Kennedys33705
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1 Star Rating
I never seemed to be able to get the credit card paid off completely. After I paid what I thought I was due, I would always get another bill for a few dollars. I thought it was me, transposing numbers or not calculating returns correctly. When I got an interest charge on a bill I had paid off completely, I called and was told that you have to have a $0 bill for two months to avoid interest fees. In other words, they charged me interest on a $0 balance.
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barbara_alderete @barbara_alderete
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1 Star Rating
Do not bother with a Talbots credit card from Comenity Bank. Due to a clerical error, they began drafting my bank account for someone else's credit card. When the error was discovered, they gave me credit on my account (which conveniently for them, requires me to spend money) but refuse to issue a check or credit back to my bank account. They are totally incompetent.
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mylifeintheburbs @mylifeintheburbs
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1 Star Rating
Worst experience ever. Talbots was having a 2-day 50% off sale with free shipping and triple rewards points, if you used your Talbots card. My cr line is low so I paid my card off daily. Since I made two payments in the store, two days in a row, one with a checking debit card, and the other with cash, they put my card on a 7 day hold. I don’t understand this action. I called multiple times, and asked to speak with a manager, but my request was always denied. They keep saying it is due to an algorithm, and there is nothing that can be done. Now the sale is over, and I missed out. Of course nobody I talk to cares.
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ugotmail3 @ugotmail3
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1 Star Rating
a very long time Talbot customer and have cancelled the card because the transition and ongoing support by Comenity is disasterous. Really their operation is sub par. Am very surprised Talbot switched to them. There were many phantom erroneous fees that took awhile to correct. I used to work in the credit card industry and dont even knoe how this could happen. we have cancelled the card and have lost respect for Talbots for picking Comenity as their provider.
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Jayne @jaynesln519
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5 Star Rating
Verified Customer
This is a great app. It stays on top of your credit score. Helps to set good goals to better credit ratings. I generally pay off any outstanding credit each month.
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Gwen @gwen_1211
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4 Star Rating
Verified Customer
Love this company! Am able to use the card that allows me to pay her discounts and monitor my real time balance. They made this experience exceptional!
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Janet @jabrown4519
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2 Star Rating
Verified Customer
Talbots closed my card because I hadn’t used it. If they had notified me they were planning to do so I would have made a purchase. When I spoke to them and ask them to reopen they refused.
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Roberta @robertawilliams
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5 Star Rating
Verified Customer
Long-lasting classic clothing. I have been a customer since 1985. I brought my sisters to their store in Hingham MA the day after Christmas for many years. They both worked for Democratic governors in Washington DC. One of them said, "I thought Talbots was just for Republicans!" Both sisters bought $500 worth of great clothing. We kept up this Talbots tradition for the 20 years I lived near the founding Talbots store in Hingham MA.
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