Barnes and Noble Mastercard Review

Barnes and Noble Mastercard is a store rewards credit card issued by Barclays Bank. If you're wondering whether Barnes and Noble Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of $25.
• Competitive APRs. Barnes and Noble Mastercard has a variable purchase APR that ranges from 13.99% up to 24.99%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Barnes and Noble Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Barnes and Noble Mastercard Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Free access to your credit score. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Barnes and Noble Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

Is there a Barnes and Noble Mastercard cash back or rewards program?

Barnes and Noble Mastercard offers a rewards program to its customers.

Barnes and Noble Mastercard Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	$25

What are the Barnes and Noble Mastercard benefits?

Barnes and Noble Mastercard provides the following benefits:

• Free Credit Score
• Zero fraud liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Barnes and Noble Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Barnes and Noble Mastercard has lower than average purchase APRs.

Barnes and Noble Mastercard has a variable purchase APR that ranges from 13.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 24.99%. It also has a variable cash advance APR of 25.24% .

What are the fees for Barnes and Noble Mastercard?

The following fees apply to Barnes and Noble Mastercard:

• There is no overlimit fee

Barnes and Noble Mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$37
Late Payment Fee	$37

Does Barnes and Noble Mastercard report your account activity to credit bureaus?

Barnes and Noble Mastercard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion
• Innovis

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Barnes and Noble Mastercard

• Visit the Barnes and Noble Mastercard website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.