Compared to other store credit cards I've owned, Talbots is fantastic. They started me out with a $3,500 credit limit and the rewards have been wonderful! It doesn't take long to earn free shipping on all orders as long as you shop there several times a year. I enjoy the free shipping especially: Ann Taylor charges $7.95 (or $8.95?) unless you spend $125 or more. WIth Talbots I get the free shipping once I became a premier member, which happened in just a few months! One time I stacked my rewards and saved $100.00 on a single order. Just love this card!