Barnes & Noble Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Barnes & Noble Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on balance transfersHigh rewards rate$25 initial rewards bonusNo intro APR on purchasesBalance transfer feeForeign feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Barnes & Noble Credit Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Barnes & Noble Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Lower Cost of Existing Debt'. To break it down further, Barnes & Noble Credit Card earned a score of 5.0/5 for Fees, 2.5/5 for Cost, 3.6/5 for APR, and 3.7/5 for User Reviews. Info about the Barnes & Noble Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
174 reviewsRead and write reviews
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Lower Cost of Existing Debt” for this card.
Fees
5.0
Cost
2.5
APR
3.6
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.24% - 29.99% (V)
Balance Transfer
0% intro APR for 15 months, 19.24% - 29.99% (V) APR after that
Balance Transfer Fee:5% (min $5)
Rewards
Receive a $25 Barnes & Noble Gift Card after your first purchase or balance transfer.
Earn 2 Points for every dollar spent on Restaurants (excluding Barnes & Noble Cafe purchases), and 1 Point for every dollar you spend on all other purchases (excluding Barnes & Noble purchases).
Every time you reach 2,500 points, you'll automatically receive a $25 Barnes & Noble Gift Card.
Get 5% back on all in-store and online Barnes & Noble purchases.
Barnes & Noble Credit Card's Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
Complimentary FICO® Credit Score.
12 Months of B&N Premium Membership after spending $7,500/year on eligible purchases.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.7
Market Comparison
3.1
fees: 5.0
cost: 2.5
APR: 3.6
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.8
(174)
(80)
annual fee$0
annual fee$0
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Barnes & Noble Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Barnes & Noble Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Barnes & Noble Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Barnes & Noble Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Barnes & Noble Credit Card credit score requirement. You can check your credit score for free on WalletHub.
Yes, the Barnes & Noble Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The Barnes & Noble Credit Card requires at least good credit to be approved. You can check your credit...
Yes, you can get approved for the Barnes & Noble Credit Card if you're on Barclays' supposed blacklist. According to Barclays' customer service, they don't blacklist potential customers. However, anecdotal reports seem to state the contrary. According to forum posts, former Barclays customers had their credit card applications rejected by the company, without even having their credit reports pulled.
The Barclays “blacklist” is a term used to describe the practice of Barclays to reject credit card applications from...
The Barnes & Noble Credit Card minimum payment is $29 or 1% of the statement balance plus interest and fees - whichever is higher. If the statement balance is less than $29, then the minimum payment will be equal to the balance. In addition, you will have to pay any past due amounts.
The minimum payment is the smallest amount you're obligated to pay by the due date for your Barnes & Noble Credit Card account to be in good standing. Failure...
To do a balance transfer with the Barnes & Noble Credit Card, new applicants can just complete the balance transfer portion of the application. Existing cardholders can request a balance transfer online or by calling customer service at (877) 523-0478. Barnes & Noble Credit Card balance transfers may take up to 20 business days to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.
Share your insights and review for the Barnes & Noble Credit Card
5
7%
4
74%
3
11%
2
6%
1
2%
3.7
174 reviews
174 reviews
What's Your Rating?
Review sort
LAURA @releankanaki
Report Abuse
5 Star Rating
Verified Customer
Such an amazing credit card from Barclays. I was shocked to be offered for a 5k credit limit with a FICO score of 700. A year later, an increase up to 8k with a FICO score of 739. Used it for my cell phone monthly payment and a bi-monthly on Barnes and Noble bookstore.
show more
show less
Comment
0
0
Nunya @alphaverse68
Report Abuse
2 Star Rating
Barnes & Noble's recent change in terms (as of Oct-Nov 2020) have soured me on this card. I just paid off my card in full to find that I have to pay interest charges for another month. This is the same reason I don't use my Capital One cards anymore--there's no real incentive to pay off a card if you know that no matter what you have to pay an extra month on it. I recommend avoiding this card unless you enjoy the "compounded daily" method that IMO is double-dipping.
show more
show less
Comment
0
0
riksrobinson @riksrobinson
Report Abuse
4 Star Rating
I just like it bc i can order books and keep them all my own and write notes in the margins. I absolutely love reading them all multiple times and always liked to have piles of them on my nightstand so i could sneak read under my covers until i was caught and the gig was over.
show more
show less
Comment
0
0
Joseph A Alizio Jr @joeyaliziojr
Report Abuse
1 Star Rating
I Received My Barclaycard Barnes & Noble Mastercard Back In June Of 2015. I Was "Approved" Easily. Yes. I Did Not Use This Card At All. "I Have Four 0% Interest Rate Credit Cards Right Now." This Card Came In At 21.5% Interest You See? This Was A $2500.00 Limit Credit Card.
Finally "On March 9 - 2016" I Wanted To Buy Myself A Brand New Almost Leather Sofa. I Also Decided To Take Advantage Of This Barnes & Noble Mastercard 3.9% Interest Balance Transfer Offer. "This 0% Card Runs Out In June 2016 and But I Cannot Wait In Order To Receive This Offer From Barclaycard Either Now." The Sofa Was $509.00 I Made Three Small Local Area Purchases and This Balance Transfer Was $1747.63. "There is A Fee Here As Well." Okay So I Used My Credit Card. My Balance Was Now $2347.72.
But Oh Wait! I Had The Cash For My Sofa Already Now. I Was Simply "Credit Building" For Myself. I Made A Payment To This Credit Card. $475.00 Oh Yes! and I Waited. Oh Yes! and HERE COMES THE MISERY.
"Payment Returned. Unable To Find Bank Checking Account." Yes. The Word Used Was "RETURNED." Okay. This Website Was Already Broken When I Got There.
I Called Barclaycard. "You Account Has Been Shut Down...(Pause Of Sarcasm) Fraud." My Bank Of America Checking Account Is Good. Of Course. "We Are Unable To Locate This Bank Account." Lol.
I Started Laughing Hilariously. This Fraud Is Not On My End. No. "These Idiots Do Not Realize That Someone Was Probably Trying To Illegally Use My Credit Card From This Shady 'Now Named In A Lawsuit' Sofa Selling Company."
Yes. I Just This Week Too This Sofa Company To Court. "They Never Had My Sofa For Me." My Court Case Is This: $509.00 + $90.00 Court Fees Oh Yes.
I Made My Moves. "Joseph Just Removed All Of This Debt From This Credit Card While All Of Earth Just Stood Here Gloating At His Sofa Buying Untimely (Fake) Demise."
I Paid This Credit Card On Off In Full. Yes All $2347.72 Bang! I Called and "They Are Still Illegally Running Their Mouths To Me."
I Said "Goodbye For Now Then." Oh Yes! and I Hung On Up My Home Phone.
show more
show less
Comment
3
5
Allen Marshall @mallen.aarshall
Report Abuse
2 Star Rating
The Barnes and Noble credit card is an average card to have if the only thing you will be using it for is books. You earn 5% rewards points there for every dollar spent so its average but it doesn't make sense to not use a different card. If you plan on using it for other purchases then it is just a bad card that has high interest fees, almost non-existent rewards points (2500 points at a dollar a point gives you a $25 dollar gift card,) and will leave you wanting to get the amazon credit card and forgetting all about this mess. I really don’t see how those with the credit score to qualify for this card would decide that this card is a better option than anything else offered. Save yourself the hassle and check out the amazon card instead.
show more
show less
Comment
5
0
Sean O'Keefe @sean.okeefe.792
Report Abuse
4 Star Rating
Arch-rivals Amazon.com and Barnes and Noble each have their own credit card, and both are very good. The best part about this card is that I am able use it on my nook and get a little back every time I use the card. Considering I spend more money at Barnes and Noble then I should this card is great for me. The free gift card they send you when they get the card isn't bad either. This card isn't as rich and as flexible as the Amazon.com Rewards Card, and it's also a little more complicated. But it's still a good deal. If you shop frequently at Barnes & Noble or own a nook, you shouldn't be without this card.
show more
show less
Comment
4
0
Joe Weider @joe_weider
Report Abuse
3 Star Rating
Bookstores these days aren’t just about books. In order to keep up with technological progress, they also offer CD’s, DVDs, gift cards, and often even full service cafes. It’s therefore not hard to imagine how someone could wind up spending quite a bit of coin at their local Barnes & Noble, which makes you wonder how beneficial the Barnes & Noble Credit Card would be. The only way to answer that is to take a closer look at what exactly it offers. Starting with rewards, the Barnes & Noble Card offers a $25 gift card after your first purchase, 5% points for every dollar spent on Barnes & Noble Purchases, and one point per dollar spent on everything else. For every 25,000 Barnes and Noble Points you accrue, you get a $25 Barnes and Noble gift card. In other words, the most you can expect to get from the Barnes and Noble Card’s rewards is $25 for every $5,000 you spend. Moving on to rewards, the Barnes & Noble Card gives you a 0% introductory APR on balance transfers, but charges a 3% balance transfer fee and does not offer a low intro rate on new purchases.
All in all, I’d say it’s time to turn the page on the Barnes & Noble Credit Card. There are simply better alternatives for people with good or excellent credit, which is what it takes to get the B&N Credit card. To name a couple, the Chase Sapphire Preferred Card gives you $500-625 for spending $3,000 in the first three months and the PenFed Platinum Cash Rewards Card offers 5% cash back on gas purchased at any station. The No Balance Transfer Fee Slate Card also gives you 0% on both purchase and transfers for 15 months and as it name suggests does not charge a balance transfer fee.
show more
show less
Comment
3
2
+ 167 WalletHub users submitted a rating without writing a full review
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Barnes & Noble Credit Card and Target Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.