100,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Barnes & Noble Mastercard®
This card is built for regular Barnes & Noble shoppers who want a simple way to save on book, toy, and gift purchases without paying an annual fee. It works best as a store-focused specialist card, not as your main card for everyday spending.
Welcome Offer
$25
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Frequent Barnes & Noble shoppers
All information about Barnes & Noble Mastercard® has been collected independently by MaxRewards. Barnes & Noble Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Barnes & Noble Mastercard® worth it?
This card is great for...
Barnes & Noble purchases
Book and gift buying
Occasional dining spend
The Barnes & Noble Mastercard is worth it if you spend enough at Barnes & Noble to make the 5% back meaningful. With no annual fee, there is little downside to carrying it for store purchases, and the small welcome offer is easy to earn. If you already buy books, games, toys, or gifts there several times a year, this card gives you an easy built-in discount.
For most readers, though, its role should stay narrow. The 2% back on dining is fine but not distinctive, and 1% everywhere else is easy to beat with a general cash back card. If Barnes & Noble is not a place you shop often, this card will not do much for your wallet.
MaxRewards Verdict
A sensible pick for loyal Barnes & Noble customers who want no-fee savings on their store purchases. Outside of that niche, the rewards are too ordinary to make it a strong everyday card.
Welcome Offer
$25
after you spend $1 on purchases on your new card in your first 1 months of card membership.
Est. Value
$25
Required Spend
$1
Time Frame
1 Month
Est. Value
$25
Required Spend
$1
Time Frame
1 Month
Earning
Rewards
The rewards setup here is straightforward: the value is concentrated at Barnes & Noble, with modest returns on dining and standard 1% back elsewhere. Think of this as a store card with a little extra flexibility, not a broad rewards card.
CategoryRate
Barnes & Noble
5%
Dining
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.49% - 29.49%
Variable
Transfer APR
17.49% - 29.49%
Variable
Cash Advance APR
29.74%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
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100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
80,000 Miles
Worth $800
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Hawaiian Air
- 2%Dining
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent