Pros & Cons

Pros

  • +Welcome Bonus: 25 points
  • +No annual fee

Cons

  • No purchase protection

Our Review

Unlock More Books & Rewards with the Barnes & Noble Mastercard®

  • $25 BN gift card after your first purchase or balance transfer
  • 5% rebate on every Barnes & Noble purchase—both in‑store and online
  • 2 points per $1 at restaurants (excluding BN Café)
  • 1 point per $1 on all other purchases, anywhere Mastercard is accepted
  • No annual fee and automatic redemptions for statement credits or BN gift cards

Whether you’re stocking up on the latest bestsellers or diving into classics, the Barnes & Noble Mastercard® turns every swipe into instant value. Earn a 5% rebate on your favorite reads, racks up dining points for your nights out, and collect points on everyday essentials. Your rewards post automatically as statement credits, or you can choose to receive BN gift cards by mail or email—no activation required.

Plus, take advantage of a balance transfer offer that even triggers your sign‑up gift—an uncommon perk among store cards. And when your yearly spend hits $7,500, you qualify for a complimentary BN Premium membership (a $39.99 value), unlocking 10% off most purchases, free shipping and exclusive member-only deals.

Terms apply. APR and fees vary by creditworthiness; rewards expire if the account is closed or program ends. See issuer for full details.

Rewards

All Spending

1x

pts per dollar

Restaurants

2x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

33,600

pts/yr

Estimated Value

$336

After Fees

+$336

1st Year Value

$336

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.12x
Total points earned33,600 pts
Value of points accumulated in the first year$336

Additional Benefits

Free online FICO Credit Score access lets you keep an eye on your credit score and get alerts when we learn that your score has changed. $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us. Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points. Earn 12 months of Barnes & Noble Premium Membership if you spend $7,500/year on eligible purchases.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Barclays. All trademarks are property of their respective owners.