BR
Bread Financial · Mastercard

Talbots Mastercard®

Co-branded Standard
$0 Annual Fee
19.99%–28.99% Variable Purchase APR
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Talbots Mastercard®

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.02¢ each
ExpirationPoints expire 12 months from the date they are earned.
CategoryRateTypeCap
Talbots Purchases 2x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
There is no annual fee charged for maintaining your Talbots Mastercard account.
Financial $0
Up to $0
Mastercard Global Service
Provides 24/7 emergency assistance for lost or stolen cards, emergency cash advances, and ATM locations worldwide.
Other Complimentary
Classic Tier - Birthday Offer
Receive a special offer during your birthday month as a Classic Tier member.
Rewards Varies
Classic Tier - Everyday Purchase Points
Earn points for every dollar spent on eligible purchases made everywhere else Mastercard is accepted as a Classic Tier member.
Rewards 1 point per $2
Classic Tier - Talbots Purchase Points
Earn points for every dollar spent on eligible purchases at Talbots stores and Talbots.com as a Classic Tier member.
Rewards 1 point per $1
Preferred Tier - Anniversary Offer
Receive a special offer on your card anniversary as a Preferred Tier member.
Rewards Varies
Preferred Tier - Birthday Offer
Receive a special offer during your birthday month as a Preferred Tier member.
Rewards Varies
Preferred Tier - Everyday Purchase Points
Earn points for every dollar spent on eligible purchases made everywhere else Mastercard is accepted, for Preferred Tier members (achieved with $500-$999 annual spend).
Rewards 1 point per $2
Preferred Tier - Talbots Purchase Points
Earn enhanced points for every dollar spent on eligible purchases at Talbots stores and Talbots.com, for Preferred Tier members (achieved with $500-$999 annual spend).
Rewards 1.25 points per $1
Premier Tier - Anniversary Offer
Receive a special offer on your card anniversary as a Premier Tier member.
Rewards Varies
Premier Tier - Birthday Offer
Receive a special offer during your birthday month as a Premier Tier member.
Rewards Varies
Premier Tier - Everyday Purchase Points
Earn points for every dollar spent on eligible purchases made everywhere else Mastercard is accepted, for Premier Tier members (achieved with $1000+ annual spend).
Rewards 1 point per $2
Premier Tier - Exclusive Offers
Gain access to exclusive offers and promotions available only to Premier Tier members.
Rewards Varies
Premier Tier - Talbots Purchase Points
Earn premium points for every dollar spent on eligible purchases at Talbots stores and Talbots.com, for Premier Tier members (achieved with $1000+ annual spend).
Rewards 1.5 points per $1
Talbots Rewards Program Enrollment
Automatic enrollment in the Talbots Rewards Program, allowing cardholders to earn points on eligible purchases that can be redeemed for Talbots Rewards.
Rewards Complimentary
Talbots Rewards Redemption
Points earned are automatically converted into Talbots Rewards, typically in increments of $10 for every 500 points.
Rewards $10 per 500 points
Fraud Protection
Your account is monitored for suspicious activity to help prevent fraudulent charges.
Security Complimentary
Identity Theft Protection
Provides assistance with identity theft resolution services if your identity is stolen.
Security Complimentary
Zero Liability Protection
You are not held responsible for unauthorized transactions made with your card.
Security Up to 100% of unauthorized charges
Classic Tier - Free Standard Shipping
Enjoy complimentary standard shipping on all eligible orders placed on Talbots.com as a Classic Tier member.
Shopping Complimentary
Preferred Tier - Free Standard Shipping
Enjoy complimentary standard shipping on all eligible orders placed on Talbots.com as a Preferred Tier member.
Shopping Complimentary
Premier Tier - Free Standard Shipping
Enjoy complimentary standard shipping on all eligible orders placed on Talbots.com as a Premier Tier member.
Shopping Complimentary

Interest Rates

Purchase APR19.99%–28.99% Variable
Balance Transfer APR28.99%
Cash Advance APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction Fee3%
Balance Transfer FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Manufactured spending, excessive returns, too many applications in short period, high credit utilization on Comenity accounts.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Bread Financial (Comenity) does not enforce specific bonus earning restrictions like 5/24 or once-per-lifetime for the Talbots Mastercard. However, applications may be denied due to excessive recent credit inquiries or a high number of existing Comenity accounts, indicating credit-seeking behavior.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
0% APR on pre-service balances during active duty.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 19.99%–28.99% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO580+
NetworkMastercard
Card TypeCo-branded
Online
Ask any doubts about cards.
Gemini 2.2 Ver