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  Barnes and Noble Mastercard

Barnes and Noble Mastercard

in Personal Credit Cards from Barclays Bank

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Barnes and Noble Mastercard

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in Personal Credit Cards from Barclays Bank

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Highlights
Purchase APR  (Variable APR) 13.99% - 24.99%
Balance Transfer APR  (Variable APR) 13.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

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 & 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.
  • Cardholders can earn rewards on purchases everywhere Barnes and Noble Mastercard is accepted.
  • Barnes and Noble Mastercard reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Barnes and Noble Mastercard FAQ

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

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

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Barnes and Noble Mastercard Rewards
Minimum rewards rate (all purchases) 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus ($) }$25

Does Barnes and Noble Mastercard have a signup bonus?

Yes, Barnes and Noble Mastercard offers card users a signup bonus worth up to $25.

Does Barnes and Noble Mastercard offer an annual loyalty bonus?

Barnes and Noble Mastercard doesn't offer a cash loyalty bonus.

What are the Barnes and Noble Mastercard benefits?

Barnes and Noble Mastercard provides the following benefits:

  • 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% .

Does Barnes and Noble Mastercard have an introductory APR offer on balance transfers?

Yes, Barnes and Noble Mastercard offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Barnes and Noble Mastercard Balance Transfers
Description
Balance Transfer APR 13.99% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Barnes and Noble Mastercard have an introductory APR offer on new purchases?

Barnes and Noble Mastercard does not offer an introductory rate on new purchases.
Barnes and Noble Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 have a foreign transaction fee?

Barnes and Noble Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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

Yes, 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 may 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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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Availability

  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

Every Purchase (Points) 2x
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $37
Late Fee Amount $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
  • Innovis
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Restaurants
Signup Bonus Starting at $25
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance (including new purchases)
Purchase APR (Variable APR) 13.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Store Card
  • Bonus Offers
Card Network Mastercard

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SUPERMONEY NET RECOMMENDATION SCORE

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