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Barnes & Noble Mastercard®

Barnes & Noble Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.74% ‐ 28.74% (Variable)
Interest Rate: Purchases
17.74% ‐ 28.74% (Variable)
Balance Transfer
17.74% ‐ 28.74% (Variable) (0% for the first 15 months)
Balance Transfer
17.74% ‐ 28.74% (Variable) (0% for the first 15 months)
1 - 2 points
1 - 2 points
Signup Bonus
Signup Bonus

Informr score
The Barnes & Noble Mastercard® currently has an Informr score of 6.9 out of 10. This score is based on our evaluation of 7 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...


The Barnes & Noble Mastercard is a good no-annual-fee option for book lovers who consistently spend a lot in that category and have a strong brand affinity for Barnes & Noble as the last of the national brick and mortar booksellers. But it's certainly worth checking out the rewards card comp...

- Rebecca Lake, Investopedia

The Barnes & Noble Mastercard is a great rewards card for frequent shoppers with Barnes & Noble, whether online or in-store. You can earn 5 percent back on all your Barnes & Noble purchases plus extra points on other purchases which can help you earn Barnes & Noble gift cards. The do...

- Bankrate
The Ascent
The Ascent

The small sign-up bonus means this card can be beat by other general credit cards. What's more, there are more versatile cards with better perks all around that earn rewards for more categories than just Barnes and Noble purchases.

- Natasha Gabrielle, The Ascent
Credit Card Insider
Credit Card Insider

The Barnes & Noble Mastercard offers rewards for those who spend a lot at the store, and a decent balance transfer opportunity. However, there are limited benefits, and the best one is locked behind a substantial spending requirement.

- Evan Zimmer, Credit Card Insider
Money Crashers
Money Crashers

Built for literary types who regularly buy bestsellers and old favorites at Barnes & Noble and 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


Interest Rates
Regular APR Interest Rate 17.74% ‐ 28.74% (Variable)

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

Balance Transfer Interest Rate 17.74% ‐ 28.74% (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 28.99% (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


Sign up bonus

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

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
  • 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, Google Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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.

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