The Barnes & Noble Mastercard® is a credit card designed for avid readers and frequent shoppers at Barnes & Noble, the famous American bookseller. This card offers numerous benefits that cater to those who often purchase books, electronics, and other merchandise from the retailer. By linking rewards and other perks to purchases made at Barnes & Noble, this card provides a unique advantage for customers who are loyal to the bookstore. In this guide, we’ll explore the features, benefits, and the process of applying for the Barnes & Noble Mastercard®.
What Is the Barnes & Noble Mastercard®?
The Barnes & Noble Mastercard® is a credit card issued by Barclays Bank Delaware in partnership with Barnes & Noble. It allows cardholders to earn rewards points for every dollar spent, with bonus points awarded for purchases made directly at Barnes & Noble stores or through their website. It’s a versatile card for anyone who frequents Barnes & Noble or simply enjoys reading and entertainment.
The card is accepted anywhere Mastercard is accepted, making it a great option for general spending as well. However, the cardholder receives enhanced benefits for purchases made within the Barnes & Noble ecosystem, making it a perfect fit for book lovers.
Key Benefits of the Barnes & Noble Mastercard®
- Earning Rewards:
- 5% back at Barnes & Noble: The biggest benefit of the Barnes & Noble Mastercard® is the rewards it offers for purchases at Barnes & Noble locations, whether online or in-store. You’ll earn 5% back in rewards for every purchase made at the bookstore, including books, electronics, games, and gifts.
- 1% back on other purchases: The card also allows you to earn 1% back on all other purchases, such as groceries, gas, and dining. This allows you to accumulate rewards for non-Barnes & Noble purchases as well, making it versatile for everyday spending.
- Sign-Up Bonus: Many new cardholders are eligible for a sign-up bonus when they first get the card. This bonus typically comes in the form of a substantial number of bonus points or dollars that can be redeemed for future purchases at Barnes & Noble. The exact terms of the bonus may vary, so be sure to check the current offer when applying.
- Exclusive Discounts and Offers: Cardholders receive exclusive access to special promotions and discounts. Barnes & Noble frequently offers limited-time deals for cardholders, including sales on books, tech, and other merchandise. These deals are often tailored specifically for cardholders, providing extra value on purchases.
- No Annual Fee: Unlike many other retail credit cards, the Barnes & Noble Mastercard® does not charge an annual fee. This makes it a great option for those who want to earn rewards without the burden of an annual fee. This feature is particularly appealing to those who only occasionally shop at Barnes & Noble but still want to benefit from the rewards program.
- Flexible Rewards Redemption: The rewards you earn with your Barnes & Noble Mastercard® can be redeemed in several ways:
- Barnes & Noble Gift Cards: Points can be converted into Barnes & Noble gift cards, which can then be used to purchase anything from books to home goods to cafe drinks.
- Online Purchases: Points can also be applied as a statement credit for online purchases through Barnes & Noble.
- In-store Purchases: You can redeem your rewards points for discounts on items purchased at Barnes & Noble locations across the country.
- Online Orders: Whether you’re buying books, eBooks, or even electronics, you can redeem points for online orders placed on Barnes & Noble’s website.
- Security Features: The Barnes & Noble Mastercard® offers enhanced fraud protection and zero liability for unauthorized charges. In addition, cardholders can monitor their spending and account activity using the mobile app and online banking portal, making it easier to stay on top of their finances.
- Mastercard Benefits: As a Mastercard, this card also comes with all the standard benefits offered by Mastercard, including:
- Mastercard Global Services: Access to customer service 24/7, including help with lost or stolen cards.
- Purchase Protection: Protection for eligible purchases in case they are damaged or stolen.
- Extended Warranty: An extension of the manufacturer’s warranty on eligible purchases.
How to Apply for the Barnes & Noble Mastercard®
Applying for the Barnes & Noble Mastercard® is a simple process that can be completed online or in-person. Here’s a step-by-step guide to applying:
- Check Your Eligibility: Before applying, ensure that you meet the eligibility requirements. Generally, you will need to:
- Be at least 18 years old.
- Have a valid U.S. address.
- Have a good to excellent credit score (typically 690 or higher).
- Be a U.S. citizen or permanent resident.
- Gather Your Information: When applying, you will need to provide some basic information, including:
- Your full name, address, and contact details.
- Your Social Security number (for identity verification).
- Employment and income details.
- Monthly housing payment (rent or mortgage).
- Submit Your Application: You can apply directly on the Barclays website or the official Barnes & Noble Mastercard® page. The online application takes only a few minutes to complete. If you prefer, you can also apply in person at a Barnes & Noble store.
- Wait for Approval: After submitting your application, Barclays will process it and notify you of the decision. If approved, you will receive your new Barnes & Noble Mastercard® within a few weeks.
- Activate Your Card: Once you receive your card, you will need to activate it before using it. This can be done online, through the mobile app, or by calling customer service.
Things to Keep in Mind
While the Barnes & Noble Mastercard® is a great option for frequent customers of the bookstore, there are a few things to be aware of:
- Interest Rates: As with most credit cards, the Barnes & Noble Mastercard® has an APR for purchases, balance transfers, and cash advances. Be sure to pay off your balance in full each month to avoid interest charges.
- Late Fees: If you miss a payment, you may be subject to late fees. It’s essential to make timely payments to avoid this and to maintain a good credit score.
- Rewards Expiration: Be aware of any expiration dates on your rewards points, as they may not last indefinitely.
Conclusion
The Barnes & Noble Mastercard® is a fantastic option for those who regularly shop at Barnes & Noble and are looking for a way to earn rewards for their purchases. With no annual fee, 5% back on Barnes & Noble purchases, and a range of other perks, it provides excellent value for loyal customers. Whether you’re purchasing books, electronics, or enjoying a coffee at the Barnes & Noble cafe, this card enhances your shopping experience and helps you earn rewards for every dollar spent. By applying for the card, you can enjoy these benefits and make the most out of your Barnes & Noble shopping experience.
