Features

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 14.24% APR to 25.24% 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 25.24% 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 and 1% on all other purchases. Cardholders receive a $25 gift card every time their points balance hits 2,500. Points do expire after 3 years but, once awarded, gift cards never 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 13.99% 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.

  • Card Type
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • 0% Introductory APR
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Fraud Liability
  • Free FICO Score
  • Points
  • Purchases APR
    14.24% - 25.24%
  • Transfer Fee
    3% w/$5 min.
  • Balance Transfer APR
    14.24% - 25.24%
  • Intro APR period (months)
    15
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