Barnes and Noble Mastercard

Barnes and Noble Mastercard Review

This 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 review will provide you with with all the details you need to make a good choice.

• 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 will have low approval odds if your credit score is below 700.

The Good	The Bad
Potentially 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. Identity Theft Protection. Cardholders can earn rewards on their purchases. 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.

Does Barnes and Noble Mastercard have a cash back or rewards program?

Barnes and Noble Mastercard is a rewards card.

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Barnes and Noble Mastercard Rewards

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus ($)	$25

What are the Barnes and Noble Mastercard benefits?

It provides the following benefits:

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

What are the relevant APRs for Barnes and Noble Mastercard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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:

• 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	up to $37
Late Payment Fee	up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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