Barnes & Noble Mastercard®

Barnes & Noble Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 26.74% (Variable)
Balance Transfer
15.74% ‐ 26.74% (Variable) (0% for the first 15 months)
Rewards
1 - 2 points
Signup Bonus
-


7.4/10
Informr score
The Barnes & Noble Mastercard® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Barnes & Noble Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money Crashers

Built for literary types who regularly buy bestsellers and old favorites at Barnes & Noble and bn.com. The ideal user is a loyal Barnes & Noble customer who clears the $7,500 annual spending threshold and enjoys restaurant meals out on occasion. With no annual fee, it’s also a useful holiday...

- Brian Martucci, Money Crashers
RewardExpert

While the $25 sign-up bonus is very low compared to many other rewards cards, the B&N card offers a nice rate of return on B&N purchases and double points for dining out. But the rewards you earn are limited in how you can redeem them.

- T.L. Rob, RewardExpert
Finder

If you want rewards you can use widely — such as cash back or travel miles — look elsewhere. But if you love buying books, you might not find a better pick than the Barnes & Noble Mastercard.

- Finder
Bankrate

Bookworms of all types might be charmed by the terms of the Barnes & Noble Mastercard. Offering a generous 5 percent back on all Barnes & Noble purchases—including textbooks, Nook e-books, games and collectibles, it may seem like an open-and-shut case to add this card to your wallet. But the...

- Robin Saks Frankel, Bankrate

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.74% ‐ 26.74% (Variable) (0% for the first 15 months)

- Intro rate applies on balances transferred within the first 45 days of account opening.

- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus

Earn a $25 Barnes & Noble Gift Card after your first purchase.

Rewards
All Purchases 1 point per $1 spent

Excluding Barnes & Noble purchases

Restaurants 2 points per $1 spent

Excluding Barnes & Noble Café purchases

Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- Get 5% back on all Barnes & Noble purchases when you use your card at any Barnes & Noble store or online at bn.com

- Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points

- Earn 12 months of Barnes & Noble Membership after spending $7,500/year on eligible purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Android Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


Money Crashers

Might just be the most literate rewards credit card

from Money Crashers

Built for literary types who regularly buy bestsellers and old favorites at Barnes & Noble and bn.com. The ideal user is a loyal Barnes & Noble customer who clears the $7,500 annual spending threshold and enjoys restaurant meals out on occasion. With no annual fee, it’s also a useful ho...More

Built for literary types who regularly buy bestsellers and old favorites at Barnes & Noble and bn.com. The ideal user is a loyal Barnes & Noble customer who clears the $7,500 annual spending threshold and enjoys restaurant meals out on occasion. With no annual fee, it’s also a useful holiday shopping aid for those with lots of literary friends and relatives.

Read full review

Less

RewardExpert

Get 5 percent back on every purchase from Barnes & Noble

from RewardExpert

While the $25 sign-up bonus is very low compared to many other rewards cards, the B&N card offers a nice rate of return on B&N purchases and double points for dining out. But the rewards you earn are limited in how you can redeem them.

Read full review

While the $25 sign-up bonus is very low compared to many other rewards cards, the B&N card offers a nice rate of return on B&N purchases and double points for dining out. But the rewards you earn are limited in how you can redeem them.

Read full review

Less

Finder

Rewards booklovers for what they do best

If you want rewards you can use widely — such as cash back or travel miles — look elsewhere. But if you love buying books, you might not find a better pick than the Barnes & Noble Mastercard.

Read full review

If you want rewards you can use widely — such as cash back or travel miles — look elsewhere. But if you love buying books, you might not find a better pick than the Barnes & Noble Mastercard.

Read full review

Less

Bankrate

Shelve this card offer, you can do better

from Bankrate

Bookworms of all types might be charmed by the terms of the Barnes & Noble Mastercard. Offering a generous 5 percent back on all Barnes & Noble purchases—including textbooks, Nook e-books, games and collectibles, it may seem like an open-and-shut case to add this card to your wallet. Bu...More

Bookworms of all types might be charmed by the terms of the Barnes & Noble Mastercard. Offering a generous 5 percent back on all Barnes & Noble purchases—including textbooks, Nook e-books, games and collectibles, it may seem like an open-and-shut case to add this card to your wallet. But there are other cards on the market that are likely to offer you more value on these same types of purchases.

Read full review

Less

User Reviews


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