Barnes & Noble MasterCard Review – Great Card Or No Good?

The Barnes & Noble MasterCard is issued by Barclaycard. In this review we will be looking at the benefits & negatives to this card and who it’s best suited to. Along with the minimum credit score we’d recommend you have before applying.

barnes & noble mastercard review

Interest Rates


Card Pros

  • No Annual fee
  • 5% cash back at Barnes & Noble
  • Free FICO Score (TU-08 classic version)

Card Cons

  • Earn 1 reward point on everyday purchases, worth 1 cent each when redeemed for B&N gift cards
  • $25 B&N gift card after first purchase, which is an extremely low sign up bonus
APR: 13.99% – 24.99%Annual Fee: None
Introductory APR: NoneBalance Transfer Fee:$10 or 4%
Introductory APR Length: NoneCash Advance Fee: $10 or 5%
Cash Advance APR: 25.24%Foreign Transaction Fee: 3%
Penalty APR: 27.24%Late Payment Fee: $35
Grace Period: 23 daysOver The Credit Line: Not listed
Minimum Interest Charge: $2 ($0.5 for residents of Iowa at account opening)Returned Payment: $35


Application link. 

Card Benefits

Rewards Program

Earning Points

Card earns at the following rates:

  • 5% back on B&N purchases (you receive 5% back on your billing statement)
  • 2x points on all restaurant purchases
  • 1x points on all other purchases

Current Sign Up Bonus

  • $25 Barnes & Noble gift card after first purchase

Sign Up Bonus History

They have always offered the same bonus on this card as far as I’m aware.

Our Verdict

Given that there are cards that earn 5% cash back on all bookstore purchases and more for restaurant and non category spend this card isn’t appealing at all. If you have bad credit and are considering a store card because of this, you might want to think about using the shopping cart trick instead.