Barclays
Barnes & Noble Mastercard®
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | 17.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that, (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 17.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 29.74%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. The minimum monthly interest charge will be $0.50. |
| Network | Mastercard |
About this card
The Barnes & Noble Mastercard is a niche card that is only truly valuable for frequent Barnes & Noble shoppers. While it offers a solid 5% back at Barnes & Noble and 2x points at restaurants, the high APR range (17.49% - 29.49%) and foreign transaction fees detract from its overall value. The automatic redemption of points into Barnes & Noble gift cards limits flexibility, making it less appealing than general cash back cards. Additionally, the card issuer, Barclays, has a reputation for poor customer service, which further lowers the overall rating. While the absence of an annual fee is a plus, the card's limitations and drawbacks result in an overall rating of 2.6 out of 5.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Sign-up bonus
- Rewards on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn a $25 Barnes & Noble Gift Card after your first purchase or balance transfer
Rewards
- Earn 5% back when you use your card at any Barnes & Noble and Paper Source stores
- Earn 2x points for every $1 spent at restaurants (excluding Barnes & Noble Café purchases)
- Earn 1x points for every $1 spent on all other purchases (excluding Barnes & Noble purchases)
Other features
- Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points
- Earn 12 months of Barnes & Noble Premium Membership if you spend $7,500/year on eligible purchases
- Free online FICO® Credit Score access lets you keep an eye on your credit score and get alerts when we learn that your score has changed
- $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
Additional Notes
The Barnes & Noble Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.