Am I eligible?
To get this card, you must also:
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...
- Evan Zimmer, Credit Card InsiderThe 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.
- Rebecca Lake, InvestopediaThe 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...
- Brian Martucci, Money CrashersBuilt 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...
- T.L. Rob, RewardExpertWhile 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.
- FinderIf 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.24% ‐ 25.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.24% ‐ 25.24% (Variable) (0% for the first 15 months)
|
| Cash Advance Interest Rate |
25.49% (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 |
|
| 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 |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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