Barnes & Noble Mastercard®

Welcome Bonus

Earn a $25 B&N Gift Card

After Your First Purchase or Balance Transfer

Annual Fee


Annual Rewards


on all in-store and online Barnes & Noble purchases

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Barnes & Noble Mastercard®

The Barnes & Noble Mastercard® is designed for individuals who frequent Barnes & Noble stores or shop online for books, e-books, and other literary delights. Cardholders enjoy exclusive rewards, discounts, and special financing options, making it an appealing choice for bibliophiles.


  1. Generous Rewards: The card provides attractive rewards for Barnes & Noble purchases, earning users cash back or points that can be redeemed for future book purchases.

  2. Special Financing: Cardholders may benefit from special financing options, allowing for flexible payment plans on larger purchases, enhancing the affordability of acquiring books and related items.

  3. Exclusive Discounts: Enjoy exclusive discounts on Barnes & Noble purchases, making it an ideal choice for those who frequently invest in literature, educational materials, and more.

  4. No Annual Fee: The Barnes & Noble Mastercard® typically does not charge an annual fee, providing cost-conscious consumers with a valuable credit option without the burden of additional yearly costs.

  5. Wider Mastercard Acceptance: As a Mastercard, the Barnes & Noble credit card is accepted globally, extending its usability beyond bookstores to various merchants and services worldwide.


  1. Limited Rewards Categories: While the rewards for Barnes & Noble purchases are lucrative, the card may not offer as competitive benefits in other spending categories, making it less versatile for everyday expenses.

  2. Variable APR: The card's APR (Annual Percentage Rate) can vary based on the cardholder's creditworthiness, potentially leading to higher interest rates for those with lower credit scores.

  3. Niche Appeal: The card is specifically tailored for book enthusiasts, so individuals who do not frequent Barnes & Noble or prioritize book purchases may find limited value in its rewards program.

Details & Eligibility

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  • $0
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  • Mastercard
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  • 19.24%
  • 29.99%
  • 19.24%
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The Barnes & Noble Mastercard® is a co-branded credit card that caters to avid readers and book enthusiasts, offering a range of benefits and rewards associated with Barnes & Noble, one of the largest retail booksellers in the United States. In summary, the Barnes & Noble Mastercard® is an excellent choice for individuals who are passionate about literature and regularly shop at Barnes & Noble. The card’s rewards, discounts, and financing options make it a compelling option for book lovers looking to enhance their reading experience while enjoying financial perks. However, its niche focus may limit its appeal to a broader audience.
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