Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $749.70
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34
Talbots World Mastercard
Top-25 issuerNationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
35.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered35.99%
Median35.99%
Highest offered35.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered35.99%
Median35.99%
Highest offered35.99%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Rewards, benefits and features
Rewards
- Other rewards
Services
- Credit card registration
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: 15% off First purchase discount on your qualifying purchase today (same day of account opening at Talbots) $25 Style Rewards at 500 Style Points 1 Style Points per $1 spent on purchases at Talbots with the Talbots World Mastercard® Credit Card 1.25 Style
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-877-855-4457
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 35.99%$1,079.70
Annual / periodic fees$0
Total yearly cost$1,079.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
46 documents filed by Comenity Bank in the 2026 Q1 archive.
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More from this issuer
Purchase APR
19.24–34.24%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $802.20
Purchase APR
19.74–34.24%
Annual fee
$149
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $958.70 incl. $149 fee
Purchase APR
35.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,079.70