The Barnes & Noble Mastercard® from Barclays: annual fee, APR and rewards

Fact sheet for the The Barnes & Noble Mastercard®, issued by Barclays, with no annual fee, an intro APR offer and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Barclays
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 5% back when you use your card at any Barnes & Noble and Paper Source stores. Earn 2x points for every $1 spent at restaurants (excluding Barnes & Noble Café purchases).
Purchase APR	17.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Intro APR	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Sign-up bonus	Earn a $25 Barnes & Noble Gift Card after your first purchase or balance transfer
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 26.24%, with a range of 17.49% to 29.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.