Review: Barnes & Noble Credit Card

The Barnes & Noble MasterCard gives cardholders the opportunity to earn points toward B&N gift cards with every purchase, as well as a discount on Barnes & Noble purchases. There are a few things to know about the card:

  • When you use this card to buy at Barnes & Noble, or online at, you’ll get 5% off the total price of the items you’ve purchased. (The 5% is given as a cash back credit on your credit card statement, you don’t get it at the register/checkout.)
  • When you use the card outside of Barnes & Noble, you’ll get 1 reward point for each dollar charged to the card, but you’ll get 2 points per dollar when the card is used on restaurant purchases. When you get to 2500 points earned, you’ll get a $25 Barnes & Noble gift card.
  • After you make your first purchase with the card, you’ll get a free $25 Barnes & Noble gift card.

The card has either a 14.74% interest rate or a 25.74% interest rate, depending on your credit history. If you get the 14.74% rate, that’s great. If you get the 25.74% rate, it’s highly questionable as to whether you should keep the card. If you ever carry a balance, that high interest rate will essentially cancel out any points or discounts you receive.

That said, assuming you get the lower interest rate and keep up on your payments, this is an attractive card for B&N fans. You can apply for the Barnes & Noble credit card via this online application.

The Barnes & Noble MasterCard is issued in partnership with Barclaycard.