The Barnes & Noble Mastercard® Review

Our Detailed Review of This Card

The Barnes & Noble Mastercard® is a sort of anomaly — when you use the card to pay for Barnes & Noble purchases you'll get 5% of the purchase delivered as a credit on your monthly statement. You'll also earn 2 points per $1 spent at restaurants (excluding B&N café purchases) and 1 point per $1 spent on other purchases. Once you've accrued 2,500 points, you'll automatically receive a $25 Barnes & Noble gift card. The percentage vs. points difference is an interesting one, with Barnes & Noble purchases earning you a 5% statement credit and all other purchases will earning points you can eventually redeem for a B&N gift card. Card members will also enjoy a $25 Barnes & Noble gift card after their first purchase.




Redeem Rewards

  • Redeem points for B&N Gift Cards.
  • Every time you reach 2,500 points, you'll automatically receive a $25 B&N Gift Card.





Fees and APR
  • Annual Fee: $0.
  • Purchase APR: 15.99% or 26.99% Variable, depending upon creditworthiness.
  • Balance Transfer APR: 0% introductory APR for 15 months on balance transfers made within the first 45 days of account opening, then 15.99% or 26.99% variable, depending upon creditworthiness.
  • Balance Transfer Fee: Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.


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