The Barnes and Noble MasterCard is designed to pay you back for using the card. You can receive cash back in the form of a statement credit when you use the card on eligible Barnes and Noble purchases and receive points so you can receive a Barnes and Noble gift card for every 2,500 points that you earn. Because of these rewards, low fees, and reasonable APR, the card is affordable.
|Issuer:||Barclays Bank Delaware|
|Card Category:||Consumer (Regular)|
|Card Type:||- Co-Branded Card
- Instant Decision Card
- Low Interest Credit Card
- Reward Card
|Prepared by MarketProSecure™. Opinions expressed therein are solely those of the reviewer.
The Barnes and Noble MasterCard is a credit card that is easy to understand in that the rewards are simple. For every dollar spent, you earn a point. Once you hit 2,500 points in your account, you receive a $25 Barnes and Noble gift card. There is no having to remember to redeem points for the gift card because Barnes and Noble does it for you automatically.
Combined with very few fees and no annual fee, the card is an affordable one. The only fees are the late fee and the returned payment fee. However, a penalty APR is assessed when a late payment is made and that APR can remain in effect indefinitely. The other fees are the transaction fees, such as the balance transfer fee, cash advance fee, and foreign transaction fee. You are not charged these fees unless you perform those actions on the card.
As for APR, it can vary based on the activity. There is an APR for purchases that is based on creditworthiness and the Prime Rate. There is also an APR for balance transfers that is based on creditworthiness and the prime rate, as well as a fixed APR for cash advances.
If you wish to avoid the APR on purchases, you can pay off the entire balance within the 23 days after the closing of the billing cycle. This can help you save more money in addition to the rewards that are received for using the card. Even if you pay off the balance, you still receive your rewards.
|Most attractive features:||- No annual fee
- Rewards with every purchase
- Bonus Gift Card
|Least attractive features:||- No intro APR|
|Reward Types:||- Cash Back Reward Cards
- Other Rewards Cards
- Universal Reward Cards
|Rewards:||- $25 Gift Card after your first purchase
- 5% Back at Barnes & Noble
- 1 point per $1 spent on everything else
- Every time you reach 2,500 points, you'll automatically receive a $25 B&N Gift Card
|Other Benefits:||*See Terms and Conditions for other benefits|
|Online Card Account Access:|
|Introductory APR (%):||N/A*|
|Regular APR (%):||13.99% or 24.99%*|
|Grace Period:||23 days*|
|Late Payment Fee:||Up to $35*|
|Transfer Fee (%):||4.00% of each balance transfer|
|Minimum BT Fee:||$10.00|
|APR on Cash Advances (%):||25.24%|
|Cash Advance Fee (%):||5.00%|
|Additional Fees||Foreign Transaction: 3% of each transaction in U.S. dollars
Returned Payment: Up to $35.00
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* The information provided for Barnes & Noble MasterCard® is believed to be accurate at the time of evaluation (Oct 13, 2015). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.
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