Girls’s clothes retailer Talbots, in partnership with Comenity Financial institution, offers a credit card that lets you earn factors towards future Talbots purchases. Our overview / assessment of the cardboard is under:
The very first thing to know is that the Talbots bank card can solely be used at Talbots, not every other shops. Do you store at Talbots typically sufficient that it’s price opening up a brand new credit score line that may solely be used at this one retailer chain? (Too many new credit score strains can harm your credit score rating, particularly if in case you have a shaky credit score historical past.)
If the reply is sure, then the Talbots bank card could be best for you. It presents a numbers of rewards and perks for frequent Talbots customers, together with:
- 1 level per greenback charged to the cardboard
- particular “bonus factors” occasions all year long.
- 15% off “Birthday Bonus”
So far as the factors are involved, each time you attain 500 factors you get a $25 present certificates for use on future Talbots purchases. That equates to a 5% reward, pretty customary for a retail bank card rewards program.
Now, earlier than you get too excited, try the Talbots bank card’s rate of interest: 27.24%! Sure, in case you don’t repay this card every month, you’ll pay hefty curiosity, equal to over 1/four of your buy value in case you let that stability sit for an entire yr. So, in case you are not within the behavior of paying off your bank cards every month, do NOT get this card — the curiosity you pay will primarily cancel out any rewards you obtain.
That mentioned, if you recognize you possibly can deal with it, you possibly can apply for a Talbots bank card on-line through this application.