Our illustration in the card’s colours, not its design
Barclays credit card
The Barnes & Noble Mastercard®
No annual fee. $25 Barnes & Noble Gift Card welcome bonus. Purchase APR 17.74–29.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Earn a $25 Barnes & Noble Gift Card”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Purchases – 17.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Foreign transaction fee: 3%.”
Select an underlined figure to see where it comes from.
Barclays’s terms
Welcome offer
25 Card
First purchase or balance transfer
Conditions and limitations apply; the bonus may only be earned once.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢; rewards spendable only with the brand: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢; rewards spendable only with the brand: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢; rewards spendable only with the brand: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢; rewards spendable only with the brand: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$755 a year
- CareCredit MastercardSynchrony · No annual fee+$710 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$695 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5%
- B&N and Paper Source purchases
- 2×
- restaurants (excluding Barnes & Noble Café purchases)
- 1×
- Everything else
“What it’s worth” values a point at an assumed 1¢.
Benefits
- Complimentary Barnes & Noble Premium Membership: 12 months (Earn 12 months if you spend $7,500 per year on eligible purchases. Barnes & Noble Premium Membership may not be achievable based on the assigned credit line and ability to maintain that credit line.)
- Automatically receive a $25 Barnes & Noble Gift Card every time you earn 2,500 points.
- Earn 12 months of Barnes & Noble Premium Membership if you spend $7,500 per year on eligible purchases.
- Free online FICO Credit Score access, subject to account eligibility and availability; the feature may be removed at any time.
- $0 Fraud Liability protection for unauthorized charges reported to Barclays.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Purchases – 17.74% to 29.74%, based on your creditworthiness and other factors.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Foreign transaction fee: 3%.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
- What is the purchase APR?
- 17.74–29.74% APR · cards.barclaycardus.com, since Oct 1, 2026
- Is there a welcome bonus?
- $25 Barnes & Noble Gift Card. · cards.barclaycardus.com, since Sep 29, 2026