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.


  • Earn a $25 Gift Card after your first purchase.
  • Get 5% back at Barnes & Noble.
  • Earn 2 points per $1 spent at restaurants (excluding B&N café purchases).
  • Earn 1 point per $1 everywhere else.
  • Receive a $25 B&N Gift Card every time you reach 2,500 points.

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: 16.24% or 27.24% 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 16.24% or 27.24% variable, depending upon creditworthiness.
  • Balance Transfer Fee: Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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