Last Updated: 05/14/2026
SuperMoney User Recommendation Score +60
Strongly recommended5 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.99% - 27.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.99% - 27.99%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Barnes and Noble Mastercard Review
This is a store rewards card issued by Barclays Bank. If you're wondering whether Barnes and Noble Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- Signup bonus. Offers a signup bonus of up to $25.
- APRs: Barnes and Noble Mastercard has a variable regular purchase APR that ranges from 16.99% up to 27.99%.
- 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Barnes and Noble Mastercard
| The Good | The Bad |
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Barnes and Noble Mastercard FAQ
Does Barnes and Noble Mastercard have a cash back or rewards program?
Barnes and Noble Mastercard is a rewards card.
| Description |
Does Barnes and Noble Mastercard have a signup bonus?
Yes, it offers card users a signup bonus worth up to $25 .
Does Barnes and Noble Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Barnes and Noble Mastercard benefits?
Barnes and Noble Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Barnes and Noble Mastercard has a variable purchase APR that ranges from 16.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 27.99%. It also has a variable cash advance APR of 28.24% .
Does Barnes and Noble Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.99% - 27.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Barnes and Noble Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Barnes and Noble Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
Barnes and Noble Mastercard charges a foreign transaction fee of up to 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 foreign transaction fees.How do people rate the customer service and user experience of Barnes and Noble Mastercard?
Overall, Barnes and Noble Mastercard is strongly recommended based on community reviews that rate customer service and user experience.
Does Barnes and Noble Mastercard report your account activity to credit bureaus?
Yes, Barnes and Noble Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Barnes and Noble Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Barnes and Noble Mastercard
- Visit the website of Barnes and Noble Mastercard.
- 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.
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.
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Disclaimer popup with additional information
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19.74% - 28.74%
Disclaimer popup with additional information
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Annual Fee
$0
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Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
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Purchase APR
19.49% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 28.74%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.
+60
-1000+100
No one recommends
Everyone recommends
Barnes and Noble Mastercard Community Reviews
Would you recommend Barnes and Noble Mastercard to your friends?
TN
Tahira N.
Jun 30, 2022
May or may not recommend
This card is very helpful and good for someone who love reading books. The people who are book reading lovers get a great deal through Barnes and Noble Mastercard. It is very easy to get and can cancel anytime and get rewards. It has no annual fee and get $25 on a signup bonus. By using this card, you get rewards and Barnes and Noble has good discounts too. There ...Show More
Sheala N.
May 30, 2022
May or may not recommend
I love this card its just like any other card , but you can earn rewards which is the neat part!
JY
Jessica Y.
Apr 7, 2022
May or may not recommend
While it is great that they have a sign up bonus, it is only $25 where as other cards are offering up to $200. The interest rates would be standard if the score required went along with that scale. You have to have excellent to perfect credit it get this mastercard. Yes, cashback points are great, but it is not wirth the hassle with this card in my opinion.
KR
Kye R.
Nov 10, 2021
May or may not recommend
I love Barnes and Noble with all my heart. Books have been a part of my life to the point where I read like a book a day an I buy them all the time. Eventually I convinced myself to get a Barnes and Noble rewards card and cancel it later if it didn't seem worth it. I've used it ever since. The sign up process is super easy and ...Show More
VH
Victoria H.
Aug 20, 2021
May or may not recommend
I would recommend this card to those who love buying books at Barnes and Noble, it has more a discounts on books and you can pay off any balance as you buy more books. As a avid reader this is in fact important to me to have a discount on books. I am also very critical of customer service, and they get a real plus from me in that department ...Show More
Showing 5 of 5 reviews
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