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.
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Interest Rates |
Fees |
Card Pros
Card Cons
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| APR: 13.99% – 24.99% | Annual Fee: None | ||
| Introductory APR: None | Balance Transfer Fee:$10 or 4% | ||
| Introductory APR Length: None | Cash 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 days | Over The Credit Line: Not listed | ||
| Minimum Interest Charge: $2 ($0.5 for residents of Iowa at account opening) | Returned Payment: $35 |
Contents
Card Benefits
- When you earn 2,500 points they will be automatically redeemed for $25 gift card
- 12 months of B&N Membership after spending $7,500 in a year on eligible purchases (normally $25)
- No annual fee
- Free FICO score
- Quick application in store that takes 2-3 minutes
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.