The Barnes and Noble Mastercard® is a store card that provides a decent cash back reward when used at Barnes and Noble, and can also be used anywhere MasterCard is accepted. Cardholders also get the benefits that come with a Platinum MasterCard, but the card could come with a high interest rate.
Cardholders will get 5% cash back for every purchase made at Barnes and Noble stores and BN.com. This is in addition to any other discounts or sales.
1 Reward Point (the equivalent of 1% cash back) will be earned for every other purchase. Once 2,500 points are accumulated, a $25 Barnes and Noble gift card is automatically sent out.
You’ll get a $25 Barnes & Noble gift card after making your first purchase.
This card’s Platinum MasterCard status grants it a basic set of shopping and travel benefits. Cardholders will enjoy an extended warranty and price protection on purchases; the extended warranty will double a manufacturer’s warranty by up to 1 year, and price protection provides reimbursement if you find a lower price for an item you already bought, within 60 days of the purchase.
When traveling, cardholders can access MasterCard Global Service™ to get emergency assistance at any time. Rental car insurance is also available, as long as the car rental company’s insurance is declined.
The Costs & Fees
|Annual Fee||Intro APR for Balance Transfers||Regular Purchase APR||Regular Balance Transfer APR||Cash Advance APR||Foreign Transaction Fee|
|$0||0% for 15 months||13.99%–24.99% Variable||13.99%–24.99% Variable||25.24% Variable||3%|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||Up to $37||Up to $37|
The Bottom Line
As a store credit card, the Barnes and Noble Mastercard is expected to have some higher rates, and to only offer worthwhile rewards for the store it is associated with. This is very true for this card.
If you have a good credit score you could qualify for the lower rate of 13.99%, which is about average, but otherwise you’ll be dealing with the 24.99% rate. This won’t be a problem as long as you completely pay off your debt each month, but it is something to be aware of. The balance transfer fees are also higher than the average.
If you’re a huge fan of Barnes and Noble, shopping there very frequently, you’ll probably get a lot out of the 5% discount. Otherwise, it’s unlikely that this card will be worth having. If you want to get rewarded for more frequent purchases, check out our recommendations for best cash back cards.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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