Barclays
Barnes & Noble Mastercard
Estimated value every year on typical spending
$180/ year
Every year, after the annual fee. Year one adds a $25 welcome bonus: $205
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Barnes & Noble Premium Membership (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Barclays Barnes & Noble Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $180 a year on typical spending. The welcome bonus adds roughly $25 in the first year.
Its rewards are Barnes & Noble rewards, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- 0% for the first 15 billing cycles
- Regular APR
- 17.74% to 29.74% variable
- Foreign fee
- 3%
- Top perk
- Free online FICO® Credit Score access
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 5% back when you use your card at any Barnes & Noble and Paper Source stores, and earn 2x points per $1 at restaurants
Sign-up bonus
$25 Barnes & Noble Gift Card after your first purchase or balance transfer
Best for
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Barnes & Noble rewards, so we count them at half value)
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 billing cycles
- Regular APR
- 17.74% to 29.74% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater
- $400/mo on dining earns about $48/year (1x).
- $1200/mo on everyday spending earns about $72/year (0.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Barnes & Noble Mastercard: questions people ask
Is the Barclays Barnes & Noble Mastercard worth it?
With no annual fee, the Barclays Barnes & Noble Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $180 a year on typical spending. The welcome bonus adds roughly $25 in the first year.
What is the Barclays Barnes & Noble Mastercard annual fee?
The Barclays Barnes & Noble Mastercard has no annual fee ($0).
What is the Barclays Barnes & Noble Mastercard welcome bonus?
Earn a $25 Barnes & Noble Gift Card after your first purchase or balance transfer. We value it at about $25. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays Barnes & Noble Mastercard earn?
5% back when you use your card at any Barnes & Noble and Paper Source stores, and earn 2x points per $1 at restaurants.
What credit score do you need for the Barclays Barnes & Noble Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays Barnes & Noble Mastercard charge foreign transaction fees?
Yes: 3%.
Does the Barclays Barnes & Noble Mastercard have a 0% intro APR?
0% for the first 15 billing cycles. After that the regular APR is 17.74% to 29.74% variable.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.