Barnes & Noble Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 19.24% or 30.24% variable based on creditworthiness and the Prime Rate
At a glance
Ideal for the avid Barnes & Noble shopper, now you can fund your ever-growing library with the co-branded Barnes & Noble Mastercard®. Earn 5% cash back on all B&N purchases, a $25 gift card every time you earn 2500 points and a free year of Barnes & Noble Membership for free shipping and additional discounts.
Our review of the Barnes & Noble Mastercard®
If you’re a book lover, the Barnes & Noble Mastercard® may be worth considering. Cardholders can earn a $25 Barnes & Noble gift card bonus after their first purchase, as well as $25 gift cards for every 2,500 points accumulated. With 2X points per dollar spent at restaurants and 5% cash back on Barnes & Noble purchases, this card offers some decent rewards.
One unique feature of the Barnes & Noble Mastercard® is the automatic enrollment in a Barnes & Noble Membership once you spend $7,500. This includes free shipping, discounts on bestsellers, and other exclusive offers. While this is a nice perk, it may not be worth the hefty spending requirement.
Overall, the Barnes & Noble Mastercard® is best suited for avid book-readers who can take advantage of the 5% savings on Barnes & Noble purchases. The rewards for dining are limited to Barnes & Noble gift cards, so casual book-buyers may want to consider other options with more flexible rewards.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn a $25 Barnes & Noble Gift Card after your first purchase
- Earn 5X points on all Barnes & Noble purchases
- 2X points for restaurants
- 1X points on all other purchases
- Complimentary year of Barnes & Noble Membership after spending $7,500 per year
Who this card may suit
- You annually spend $7500 or more at Barnes & Nobles
- You enjoy rewards in the form of automatically dispensed $25 gift cards
- You would like to earn 5% cash back on all Barnes & Noble purchases
- You want a card without an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 19.24% or 30.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months on transfers made within 45 days from account opening date |
| Balance Transfer APR | 19.24% or 30.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 30.49% variable based on the Prime Rate Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $37 |
| Return Payment Penalty Fee | Up to $37 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Barnes & Noble Mastercard®
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