Review of the Barnes and Noble Mastercard®

Brendan Harkness

Brendan Harkness | Reviews

Aug 24, 2014 | Updated May 06, 2019

Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card, or how one card is compared to another.  Barnes and Noble has not endorsed this content in any way.  Learn more about how we rate credit and charge cards.

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.

The Rewards

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.

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) 16.24%–27.24% Variable 16.24%–27.24% Variable 27.49% 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.

Was this helpful?

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More