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Verdict: The Barnes and Noble credit card is great for book readers, earning points on every purchase that earn Barnes and Noble gift cards, as well as getting 5% cash back on all Barnes and Noble purchases.
The Barnes and Noble credit card earns 5% cash back when used at Barnes and Noble and earns points everywhere else good towards redemption of gift cards to Barnes and Noble. The APR is reasonable, as low as 10.74% based on credit history.
How This Card Works:
The Barnes and Noble credit card is good anywhere Mastercard is accepted. If you shop at Barnes and Noble you’ll receive an automatic 5% cash back on your statement. When you shop anywhere else you earn 1 point for every $1 you spend. 2,500 points earns a $25 Barnes and Noble gift card which will be shipped to you automatically. You also receive a bonus $25 gift card when you make your first purchase with your credit card. Balance transfers and cash advances count as a first purchase. For the first 6 months you’ll also receive 0% APR on all balance transfers.
Shopping and Travel Benefits:
You receive a $25 bonus Barnes and Noble gift card when you make your first purchase. You also get 5% cash back when you shop at Barnes and Noble as well as more gift cards. You earn one point for every $1 you spend anywhere else, including groceries and gas. These points can be redeemed for more gift cards–a $25 gift card for every 2,500 points you earn.
There is no annual fee. You get a 0% APR on all balance transfers for 6 months. The standard APR for purchases is a variable 10.74%, 13.24%, or 16.24%, based on credit history. The same interest rates apply to balance transfers after the six month introductory APR. The cash advance APR is 19.99% with a fee of 3%, minimum $10. The balance transfer fee is 3% of the transfer amount, with a minimum of $5 and a maximum of $50. The default rate is 27.24%. There’s a grace period of at least 20 days as long as you pay your balance in full each month. The late fee is $25 for balances under $100, $29 for balances between $100 and $999.99, and $39 for balances above $1,000. If the default rate is in effect, however, the late fee will be $39 automatically. The over the credit limit fee is $25 for balances under $1,000 and $39 for balances above $1,000. Again, if the default rate is in effect the $39 fee will automatically apply. Returned payments will incur a fee of $29.
- Earn 5% cash back at Barnes and Noble, plus any other discounts
- $25 bonus gift card with first purchase
- Earn points on all purchases good toward redemption of B&N gift cards
- APR as low as 10.74%
- 0% APR for 6 months on balance transfers
- No annual fee