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Earn 5% back on books and 2X on dining with zero annual fee
The Barnes & Noble Mastercard charges no annual fee and delivers 5% back on all B&N and Paper Source purchases. You'll earn a $25 B&N Gift Card automatically every 2,500 points earned, plus receive 12 months of B&N Premium Membership at $7,500 annual spend. For bookstores, readers, and coffee shop visitors, this card pays for itself instantly.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Barnes & Noble
Credit Required
Good
Benefits & Perks
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
You are not responsible for unauthorized charges reported to Barclays
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 |
The B&N Mastercard's zero annual fee combined with 5% back on B&N purchases makes it the default choice for B&N card members who spend $1,000+ annually at the bookstore. You'll earn $20-50 in annual B&N credit for free, plus an additional 12 months of Premium Membership at higher spend tiers.
Details & Terms
| Purchase APR | 17.49%–29.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Doctor of Credit's detailed analysis of the Barnes & Noble MasterCard, evaluating earning potential and comparing value to other retail cards.
Earn 5% back on books and 2X on dining with zero annual fee
The Barnes & Noble Mastercard charges no annual fee and delivers 5% back on all B&N and Paper Source purchases. You'll earn a $25 B&N Gift Card automatically every 2,500 points earned, plus receive 12 months of B&N Premium Membership at $7,500 annual spend. For bookstores, readers, and coffee shop visitors, this card pays for itself instantly.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Barnes & Noble
Credit Required
Good
Benefits & Perks
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
You are not responsible for unauthorized charges reported to Barclays
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 |
The B&N Mastercard's zero annual fee combined with 5% back on B&N purchases makes it the default choice for B&N card members who spend $1,000+ annually at the bookstore. You'll earn $20-50 in annual B&N credit for free, plus an additional 12 months of Premium Membership at higher spend tiers.
Details & Terms
| Purchase APR | 17.49%–29.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Doctor of Credit's detailed analysis of the Barnes & Noble MasterCard, evaluating earning potential and comparing value to other retail cards.
Earn 5% back on books and 2X on dining with zero annual fee
The Barnes & Noble Mastercard charges no annual fee and delivers 5% back on all B&N and Paper Source purchases. You'll earn a $25 B&N Gift Card automatically every 2,500 points earned, plus receive 12 months of B&N Premium Membership at $7,500 annual spend. For bookstores, readers, and coffee shop visitors, this card pays for itself instantly.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Barnes & Noble
Credit Required
Good
Benefits & Perks
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
You are not responsible for unauthorized charges reported to Barclays
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 |
The B&N Mastercard's zero annual fee combined with 5% back on B&N purchases makes it the default choice for B&N card members who spend $1,000+ annually at the bookstore. You'll earn $20-50 in annual B&N credit for free, plus an additional 12 months of Premium Membership at higher spend tiers.
Details & Terms
| Purchase APR | 17.49%–29.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Doctor of Credit's detailed analysis of the Barnes & Noble MasterCard, evaluating earning potential and comparing value to other retail cards.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Frequent Miler's perspective on the value proposition of the Barnes & Noble Mastercard for frequent bookstore customers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Frequent Miler's perspective on the value proposition of the Barnes & Noble Mastercard for frequent bookstore customers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Frequent Miler's perspective on the value proposition of the Barnes & Noble Mastercard for frequent bookstore customers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
