| Rewards | 5% back on purchases made at Barnes & Noble (in-store or online). For other purchases: 2 points per $1 at restaurants (excluding Barnes & Noble Café), and 1 point per $1 on all other non-B&N purchases. Points redeeming: every 2,500 points automatically convert into a $25 Barnes & Noble gift card. |
|---|---|
| Signup Bonus | After your first purchase (or balance transfer), you receive a $25 Barnes & Noble gift card. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% (variable). |
| Cash Advance Fee | 5% of the advance amount (min. US $10), whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 17.74% to 29.74% based on credit worthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Barnes & Noble Credit Card is best known for its strong in-store rewards and book-lover perks, offering rich cashback on Barnes & Noble purchases, no annual fee, and a small but easy signup bonus in the form of a gift card.
Most users say they love how quickly the rewards add up if they shop at Barnes & Noble often. Many reviewers mentioned the automatic $25 gift card redemptions as convenient and motivating, and fans of the store appreciate stacking card rewards with member discounts.
On the downside, lots of cardholders point out that the rewards are very limited outside of Barnes & Noble, and the regular purchase APR is on the high side. Some also mention that customer service can feel slow compared to big-bank cards.
Personally, I think this card makes sense if you’re a loyal Barnes & Noble shopper who buys books, gifts, or café items regularly. For everyday spending or travel rewards, though, you’ll likely find better value elsewhere.
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