Barnes & Noble Mastercard®

Barclays Mastercard Standard Pending

Back Apply Now

14

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: barnes-and-noble-mastercard

Issuer: Barclays

Card Name: Barnes & Noble Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:50

Last Scraped: Jan 24, 2026 06:09

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Barnes & Noble Purchases 5x Cash Back All Barnes & Noble purchases at Barnes & Noble stores or at BarnesandNoble.com No Cap
Restaurants 2x Cash Back Purchases at restaurants No Cap
Gas 2x Cash Back Purchases on gas No Cap
All Other Purchases 1x Cash Back All other purchases No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Barnes & Noble purchases (in-store and online)

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as the account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: None

Redemption Penalties: Redemption is limited to Barnes & Noble gift cards.

Benefits & Protections (Detailed) 14 Total
PENDING
Account Management 1
Online Account Access
24/7 account management

Manage your account 24/7 from your computer or mobile device. Pay your bill, view statements, check your balance, and more.

Convenience 1
Digital Wallets Compatibility
Enhanced payment convenience and security

Easily and securely add your Barnes & Noble Mastercard to popular digital wallets like Apple Pay®, Google Pay™ and Samsung Pay.

Fees 1
No Annual Fee
$0 annual fee

There is no annual fee for this credit card.

Rewards Earning 3
Accelerated Rewards at Barnes & Noble
5 points per $1

Earn 5 points for every $1 spent on eligible purchases at Barnes & Noble stores and Barnes & Noble online.

Accelerated Rewards at Restaurants
2 points per $1

Earn 2 points for every $1 spent on eligible purchases at restaurants.

Standard Rewards on All Other Purchases
1 point per $1

Earn 1 point for every $1 spent on all other eligible purchases everywhere else Mastercard is accepted.

Rewards Redemption 1
Barnes & Noble Gift Card Redemption
1,000 points = $10 gift card

Redeem points for Barnes & Noble gift cards. 1,000 points equals a $10 Barnes & Noble gift card.

Security 3
Zero Fraud Liability
Protection against unauthorized purchases

Pay only for purchases you have authorized on your Barnes & Noble Mastercard. Unauthorized purchases are not your responsibility.

Fraud Protection
Proactive fraud monitoring

We monitor your account for suspicious activity. If we spot anything unusual, we'll notify you by email, text, or phone.

Mastercard ID Theft Protection™
Identity theft detection and resolution services

Provides services to help detect and resolve identity theft, including assistance with identity theft resolution services, credit bureau notification, and help with replacing important documents.

Shopping 1
Free Standard Shipping on BN.com
Free standard shipping

Enjoy free standard shipping on all Barnes & Noble online orders when you use your Barnes & Noble Mastercard.

Travel Assistance 1
Mastercard Global Service™
24/7 emergency assistance worldwide

Get emergency assistance anytime, anywhere, and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM, and answering questions about your account.

Travel Insurance 1
Travel Accident Insurance
Coverage for common carrier travel accidents

Coverage for you and your eligible family members when you purchase common carrier tickets with your eligible card.

Welcome Offer 1
Welcome Bonus Points
10,000 bonus points

Earn 10,000 bonus points after spending $2,500 on purchases in the first 90 days.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $500 in 90 days

Timing: Statement credits typically post within 6-8 weeks after the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 780
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: To be eligible for the Barnes & Noble Mastercard in 2026, applicants must generally possess an excellent credit score (typically 700+ FICO), be at least 18 years old, and be a U.S. resident with a valid SSN or ITIN. Barclays is known for its '6/24 Rule,' meaning applicants are unlikely to be approved if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. Additionally, Barclays tends to be sensitive to recent credit inquiries and new accounts, particularly with their own products. A typical sign-up bonus for this card might be a $50 statement credit after your first purchase or after spending $250 within the first 90 days of account opening.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Barclays accounts, rapid application for multiple credit cards (especially with Barclays), sudden changes in spending patterns, late or bounced payments, suspected fraudulent activity, or abuse of bonus offers/return policies.

Cliff Effect Rules: Not applicable. The Barnes & Noble Mastercard is a standalone co-branded product and does not typically have complex 'card family' rules or bonus eligibility restrictions that create cliff effects within Barclays' portfolio.

Special Events: Expect enhanced rewards or exclusive discounts during Barnes & Noble's major sales events (e.g., Member Appreciation Days, seasonal promotions), birthday offers for cardholders, and potential free shipping incentives.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (late November), the broader Christmas/Holiday shopping season (December), Back-to-School season (August/September), and Mother's/Father's Day (May/June).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards for Barnes & Noble purchases, especially the 5% back, combined with no annual fee and an easy-to-earn sign-up bonus.

Top Negative:
Mediocre rewards rate for general spending outside of Barnes & Noble, and potential for standard Barclays customer service issues.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $255.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-03-01