The Barnes & Noble Mastercard®
$25 Barnes & Noble Gift Card welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Earn a $25 Barnes & Noble Gift Card”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 17.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 3%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $130 | $130 |
| Typical spender | $335 | $335 |
| Heavy spender | $730 | $730 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
25 Card
First purchase or balance transfer
Conditions and limitations apply; the bonus may only be earned once.
How you earn
- 5%B&N and Paper Source purchases
- 2× pointsrestaurants (excluding Barnes & Noble Café purchases)
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 17.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 3%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Earn 12 months of Barnes & Noble Premium Membership if you spend $7,500 per year on eligible purchases.
- Free online FICO Credit Score access, subject to account eligibility and availability.
- $0 Fraud Liability protection for unauthorized charges reported to Barclays.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 17.74–29.74% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- $25 Barnes & Noble Gift Card. cards.barclaycardus.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$565 a year
- GM Rewards MastercardBarclays · No annual fee+$565 a year
- CareCredit MastercardSynchrony · No annual fee+$375 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).