Earn a $25 Barnes & Noble Gift Card
after your first purchase2
Get 5% back
on all in-store and online Barnes & Noble purchases2
Earn 2x points
for every $1 spent at restaurants2
Earn 1x points
for every $1 spent on all other purchases2
Free online FICO® Credit Score access
lets you keep an eye on your credit score and get alerts when we learn that your score has changed
$0 Fraud Liability protection
means you're not responsible for unauthorized charges you report to us
APR for purchases
|16.24% or 27.24% variable, based on your creditworthiness.|
APR for balance transfers
|0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 16.24% or 27.24%, based on your creditworthiness.|
APR for cash advances
Balance transfer fee
|Either $5 or 3% of the amount of each transfer, whichever is greater|
Offer subject to credit approval. Not everyone will qualify for the Barnes & Noble Mastercard. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, the annual fee, other costs, the reward program rules and benefits associated with the use of the credit card program, please see Terms and Conditions.
Annual Fee: $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer made within the first 45 days (the "Introductory Period"). For purchases, and for balance transfers after the introductory period, the variable APR is 16.24% or 27.24%, depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 27.49%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the “About the Variable APRs on Your Account” section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. The fee for the purchase of cash equivalent transactions (purchase of money orders, traveler's checks, foreign currency, lottery tickets, gambling chips or wire transfer): 5% (min. $10). See Terms and Conditions for updated and more information about the terms of this offer.
Please review the Rewards Summary for important information about the program benefits and features listed above and the Terms and Conditions for full details about the rewards benefits (such as how points or miles are earned), interest rates and account fees and terms for this particular offer before applying.