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Barnes and Noble Mastercard

in Personal Credit Cards

Unaffiliated Visit Site

Barnes and Noble Mastercard

Unaffiliated

in Personal Credit Cards

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Overview

Who is Barclaycard's Barnes & Noble Mastercard Designed For?

The Barclaycard Barnes & Noble Mastercard is designed for people with fair to excellent credit who shop regularly at Barnes & Noble and want to earn Barnes & Noble gift cards for their purchases. It also has a long intro APR on balances and relatively low rates, which make it an interesting option for people carrying credit card debt.

What are the Rates for Barclaycard's Barnes & Noble Mastercard?

The rates for the Barnes & Noble Mastercard range from 15.49% APR to 26.49% APR on purchases and balance transfers. There is also a 15-month 0% APR introductory rate for balance transfers posted within 45 days of opening the account. Cash advances have a fixed 26.74% APR.

What Are the Fees for Barclaycard's Barnes & Noble Mastercard?

Barclaycard's Barnes & Noble Mastercard has no annual fee. It does, however, charge the customary 3% balance transfer and foreign transaction fee ($5 minimum on balance transfers), a 5% cash advance fee ($10 minimum), and a $37 late or returned payment fee.

What Is Barclaycard's Barnes & Noble Mastercard Rewards Program Like?

The Barnes and Noble Mastercard gives members 5% back on purchases made at Barnes & Noble purchases, 2 points per dollar on purchases at restaurants, and 1 point per dollar on all other purchases. Cardholders receive a $25 gift card every time their points balance hits 2,500. Points do not expire.

What about the Barclaycard's Barnes & Noble Mastercard Signup Bonus?

New cardholders receive a $25 Barnes & Noble gift card after making their first purchase.

Does Barclaycard's Barnes & Noble Mastercard Have Any Other Benefits?

As with most store loyalty credit cards, the Barnes & Noble Mastercard is light on benefits. The only additional benefit is complimentary access to your FICO score, which is a perk most cards issued by Barclays offer.

How Is Barclaycard's Barnes & Noble Mastercard Better Than Other Credit Cards?

The Barnes & Noble Mastercard offers a high rewards rate on in-store purchases and automatically sends a $25 gift card when members reach 2,500 points. It doesn't have an annual fee and its rates are relatively low, particularly for members with excellent credit who qualify for the lowest APR. The intro 15-month 0% APR on balance transfers is the highlight of the card and makes it a balance-transfer card worthy of consideration, particularly for bibliophiles with excellent credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   745 7th Avenue
    New York, NY 10019 USA
  •   Visit Site

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 23
Over-Limit Fee $0
Annual Fee $0
No Annual Fee  
Late Payment Penalty $37
Returned Payment Fee $37
Minimum Interest Charge $0.50
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Fraud Liability  
Free FICO Score  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
All Other Purchases 1x
Every Purchase 2x
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Restaurants
Signup Bonus $25
Purchase APR (Variable APR) 15.49% - 26.49%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including new purchases)
Balance Transfer APR (Variable APR) 15.49% - 26.49%
Introductory Rate 0%
Intro APR period (months) 15

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