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Barnes & Noble MasterCard

Barnes & Noble MasterCard


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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 14.24% - 25.24%
  • Balance Transfer Intro APR 0% for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening
  • Cash Advance APR 25.49%
  • Annual Fee $0
  • Late Payment Fee Up to $37
  • Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Returned Payment Fee Up to $37
  • Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $0.50
  • Signup Bonus Receive a $25 Barnes & Noble gift card after your first purchase


  • Click "APPLY NOW" to apply online
  • Your Rewards Begin with a Barnes & Noble $25 Gift Card1
  • Get 5% Back at Barnes & Noble stores and
  • Earn More Barnes & Noble $25 Gift Cards
  • 12 Months of B&N Membership
  • No Annual Fee

Expert Reviews

From the Editorial Team

The Barnes & Noble MasterCard earns 2x back at restaurants and 1x back on all other purchases as well as 5% back on Barnes & Noble purchases. For frequent shoppers at Barnes & Noble seeking rewards beyond the Barnes & Noble Membership, this is the card for you.

Expert Reviews of the Barnes & Noble MasterCard

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 3.0


  • 2.0


  • star rating 3.5/5

    Overall Rating

The Bottom Line

While the card offers many chances to earn rewards points via restaurants and other purchases, rewards can only be redeemed at Barnes & Noble. 

The Good

This card has no annual fee and a 0% introductory APR on balance transfers for the first fifeteen billing cycles plus there's no limit to the points you earn. 

The Not So Good

Points are redeemed in the form on Barnes & Noble gift cards so if you were wanting your rewards to go elsewhere, they are unfortunatley only available for redeemption at Barnes & Noble. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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