Barnes and Noble Mastercard Review

Barnes and Noble Mastercard is a store rewards credit card issued by Barclays. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Barnes and Noble Mastercard

The Good	The Bad
Lower than average purchase APRs. No annual fee. Has an introductory APR rate on balance transfers of 0%. Cardholders can earn rewards on their purchases. Free access to your credit score. Earn rewards on every purchase. Barnes and Noble Mastercard reports to multiple credit bureaus.	Charges a foreign transaction fee of 3%.

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 15.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 26.49%. It also has a variable cash advance APR starting at 26.74% .

Barnes and Noble Mastercard Balance Transfers

Description
Balance Transfer APR	15.49% - 26.49%
Introductory Rate	0%
Intro APR period (months)	15

Barnes and Noble Mastercard Rates & Terms

Description
Balance Computation	daily balance (including new purchases)
Purchase APR	15.49% - 26.49%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 26.74%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the Barnes and Noble Mastercard fees?

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%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
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 score.

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.