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Barnes & Noble Mastercard® review

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An excellent card for book lovers.

  • Get this card if… you love shopping at Barnes & Noble.
  • Pick something else if…you want general rewards like cash back or travel miles.
  • Recommended good to excellent credit score of 670 to 850.


Welcome offer

Up to 5%

Cash back


Annual fee

13.99% to 23.99%

Purchase APR (variable)


Product NameBarnes & Noble Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR13.99% to 23.99% variable
Balance transfer APR0% intro for the first fifteen billing cycles (then 13.99% to 23.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $37
Returned payment feeUp to $37
Additional cardholder fee$0

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

Barnes & Noble Mastercard® issued by Barclaycard, rewards booklovers for what they do best: shopping for books. You’ll get 5% cash back on all purchases with Barnes & Noble Mastercard®, with your cash applied to your monthly statement.

Earn points for Barnes & Noble gift cards, with 2% for restaurants and 1% for everything else. It’s a very strong rewards rate tailor-made for book lovers and foodies.

The perks

  • SIGNUP BONUS: $25 gift card. When you make your first purchase, you’ll earn a $25 Barnes & Noble Gift card.
  • CASH BACK: 5% back on Barnes & Noble Mastercard® purchases. Whenever you use your card at Barnes & Noble Mastercard® — whether in store or online — you’ll receive 5% back. You’ll see this as a credit on your card statement.
  • POINTS: Earn points on all purchases, and more at restaurants. You’ll earn 1x points on everything you buy, excluding Barnes & Noble Mastercard® purchases.
    When you use your card at restaurants, you’ll earn x points (except at Barnes & Noble Cafés).

What can I do with my points?

If you like simple points redemption, you might like the Barnes & Noble Mastercard®. After you earn 2,500 points, Barclaycard will cash in your points automatically and send you a $25 Barnes & Noble gift card.

You’ll also like …

  • 12 months of Barnes & Noble membership. Each year you spend at least $7,500 on your card by your account anniversary, you’ll earn a 12-month Barnes & Noble membership.
  • Check your FICO score for free. Get complimentary access to your credit score and be alerted when your score changes.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
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15.24% variable
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CardMatch™ from
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What to watch out for

  • Potentially high APR. Depending on your credit, you could have a purchase and balance transfer APR as high as 13.99% or 23.99% variable.
  • Higher APR for cash advances. Cash advances come with a 25.24% variable APR.
  • Other fees. The card has balance transfer fees, cash advance fees and foreign transaction fees.
  • Penalty fees. Late and returned payments can hurt: You’ll pay up to $37.

What should I know before I apply?

To apply for the Barnes & Noble Mastercard®, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income and employment information
  • Social Security number, date of birth and mother’s maiden name

What credit score do I need?

You’ll have a better chance of approval for the Barnes & Noble Mastercard® if you apply with a good to excellent credit score of 670 or higher.

How to apply for the Barnes & Noble Mastercard®

  1. Go to the Barclaycard website and click Apply Now.
  2. Barnes & Noble Mastercard step 1

  3. Complete the application with details like your name, contact information, employment information and Social Security number. Then click Apply to submit your application.

Barnes & Noble Mastercard step 2

How long will it take to be approved?

Typically, you’ll receive an immediate decision on your application. In rare cases, you may need to wait a few days to a few weeks until Barclaycard manually approves your application.

I got the card. Now what?

  • Make timely payments. Pay your bill online at the Barclaycard website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $37. Balance transfers, cash advances and foreign transactions also come with fees.
  • Customer service. If you have questions, contact Barclaycard customer service at 866-928-8598.

Bottom line

If you often find yourself buying from Barnes & Noble Mastercard®, the 5% cash back option is this card’s best selling point. However, other cash back cards like the solid U.S. Pride® BankAmericard Cash Rewards™ Visa® Card or the superb Citi® Double Cash Card can offer better value on your day-to-day spending.

Compare cashback credit cards to find one that best suits your purchasing needs.

Frequently asked questions


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