Review of the Barnes and Noble MasterCard®

Brendan Harkness

Brendan Harkness | Reviews

Aug 24, 2014 | Updated Apr 14, 2016

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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.

Barnes & Noble MasterCard®

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.24% or 25.24% *Variable
Quick Card Facts
  • Earn a $25 B&N Gift Card after your first purchase
  • Get 5% Back at Barnes & Noble
  • Earn 1% back everywhere else
  • Every time you reach 2,500 points, you'll automatically receive a $25 B&N Gift Card
  • No Annual Fee
  • See terms and conditions for complete details

The Rewards

Cardholders will get 5% cash back for every purchase made at Barnes and Noble stores and 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.

The Benefits

After the first purchase is made with the card, a $25 Barnes and Noble gift card is awarded.

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 (as long as you make the transfer within the first 45 days) 14.24% or 25.24% *Variable 14.24% or 25.24% *Variable 25.49% *Variable 3%
Penalty APR Late Fee Returned Payment Fee
See Terms 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 for Spring 2014.

This review was not endorsed or approved by Barnes and Noble or its affiliates.

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  • I Received My Barclaycard Barnes & Noble Mastercard Back In June Of 2015.
    I Was “Approved” Easily. Yes.
    I Did Not Use This Card At All. “I Have Four 0% Interest Rate Credit Cards Right Now.”
    This Card Came In At 21.5% Interest You See? This Was A $2500.00 Limit Credit Card.

    Finally “On March 9 – 2016” I Wanted To Buy Myself A Brand New Almost Leather Sofa.
    I Also Decided To Take Advantage Of This Barnes & Noble Mastercard 3.9% Interest
    Balance Transfer Offer. “This 0% Card Runs Out In June 2016
    and But I Cannot Wait In Order To Receive This Offer From Barclaycard Either Now.”
    The Sofa Was $509.00
    I Made Three Small Local Area Purchases
    and This Balance Transfer Was $1747.63.
    “There is A Fee Here As Well.”
    Okay So I Used My Credit Card. My Balance Was Now $2347.72.

    But Oh Wait! I Had The Cash For My Sofa Already Now.
    I Was Simply “Credit Building” For Myself.
    I Made A Payment To This Credit Card. $475.00
    Oh Yes! and I Waited.

    “Payment Returned. Unable To Find Bank Checking Account.”
    Yes. The Word Used Was “RETURNED.”
    Okay. This Website Was Already Broken When I Got There.

    I Called Barclaycard. “You Account Has Been Shut Down…(Pause Of Sarcasm) Fraud.”
    My Bank Of America Checking Account Is Good. Of Course.
    “We Are Unable To Locate This Bank Account.” Lol.

    I Started Laughing Hilariously. This Fraud Is Not On My End. No.
    “These Idiots Do Not Realize That Someone Was Probably Trying To Illegally
    Use My Credit Card From This Shady ‘Now Named In A Lawsuit’ Sofa Selling Company.”

    Yes. I Just This Week Too This Sofa Company To Court. “They Never Had My Sofa For Me.”
    My Court Case Is This: $509.00 + $90.00 Court Fees Oh Yes.

    I Made My Moves. “Joseph Just Removed All Of This Debt From This Credit Card
    While All Of Earth Just Stood Here Gloating At His Sofa Buying Untimely (Fake) Demise.”

    I Paid This Credit Card On Off In Full. Yes All $2347.72 Bang!
    I Called and “They Are Still Illegally Running Their Mouths To Me.”

    I Said “Goodbye For Now Then.”
    Oh Yes! and I Hung On Up My Home Phone.

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