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Barnes & Noble Mastercard®

Image of the Barnes & Noble Mastercard®

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

Rewards

  • Earn a $25 Barnes & Noble Gift Card

    after your first purchase2
  • Get 5% back on all Barnes & Noble purchases

    when you use your card at any Barnes & Noble store or online at bn.com2
  • Earn 2x points

    for every $1 spent at restaurants (excluding Barnes & Noble Café purchases)2
  • Earn 1x points

    for every $1 spent on all other purchases (excluding Barnes & Noble purchases)2
  • Automatically receive a $25 Barnes & Noble Gift Card

    every time you earn 2,500 points2
  • Earn 12 months of Barnes & Noble Membership

    after spending $7,500/year on eligible purchases2

Benefits

  • 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

Interest Rates and Charges Summary

APR for purchases

15.99% or 26.99% 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, 15.99% or 26.99%, based on your creditworthiness.

APR for cash advances

27.24% variable

Fee Summary

Annual fee

$0

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater

Important Information