Tag: Barnes & Noble Mastercard

Barnes & Noble Mastercard: Comprehensive Overview

The Barnes & Noble Mastercard, issued by Comenity Capital Bank, is a co-branded credit card designed primarily for avid readers and loyal customers of the Barnes & Noble brand. This card offers a unique blend of rewards aimed at book lovers, enabling them to enjoy their passion while earning points toward future purchases.

Card Type

The Barnes & Noble Mastercard is a co-branded rewards credit card that allows cardholders to accumulate points for purchases made at Barnes & Noble and beyond, essentially encouraging spending in both the retail and online book space.

Annual Fee

One of the significant advantages of the Barnes & Noble Mastercard is that it comes with no annual fee. This feature makes it an accessible option for cardholders who wish to earn rewards without additional costs.

Rewards Program

The rewards program associated with the Barnes & Noble Mastercard is structured to benefit frequent shoppers significantly. Cardholders earn 5% back in rewards for every purchase made at Barnes & Noble stores and on their website. For purchases made elsewhere, users still receive 1% back in rewards. These rewards are convertible into Barnes & Noble Gift Cards, making it simple for users to enjoy additional discounts on future purchases.

Sign-Up Bonus

New applicants for the Barnes & Noble Mastercard can potentially earn a lucrative sign-up bonus. Upon approval, cardholders qualify for a bonus of $25 in rewards after their first purchase. This straightforward requirement encourages new customers to engage with the card right away, making the initial experience rewarding.

APR (Annual Percentage Rate)

The standard APR for purchases made with the Barnes & Noble Mastercard is variable and typically ranges from 15.99% to 24.99% depending on the applicant’s creditworthiness. Furthermore, if you qualify, there may be an introductory 0% APR on purchases for the first 12 months, allowing for significant savings on interest.

Foreign Transaction Fees

Travelers using the Barnes & Noble Mastercard can enjoy the fact that this card does not charge foreign transaction fees. This absence of fees makes it an excellent choice for overseas spending or purchases made in foreign currencies.

Balance Transfer Options

Currently, the Barnes & Noble Mastercard does not offer specific features for balance transfers. Applicants should consider other options if balance transfers are a priority, as this card focuses mostly on rewards points rather than balance transfer incentives.

Additional Fees

While the card has no annual fee, it is essential for cardholders to be aware of additional potential fees. The Barnes & Noble Mastercard charges a late payment fee of up to $40, as well as a cash advance fee which can be up to 5% of the amount accessed, with a minimum of $10.

Card Benefits and Perks

Cardholders benefit from several exclusive perks. These include access to special offers and promotions tailored specifically for Barnes & Noble Mastercard users, allowing them to enjoy discounts during special events or seasonal sales. Cardholders also receive a birthday gift, which further enhances the loyalty program’s attractiveness.

Customer Protections and Insurance

The Barnes & Noble Mastercard is fortified with an array of customer protections. This includes fraud liability coverage, allowing users peace of mind against unauthorized transactions. The card also offers purchase protection, safeguarding new purchases against damage or theft for a specified period.

Eligibility and Credit Score Requirements

For approval of the Barnes & Noble Mastercard, applicants should typically possess a good to excellent credit score, generally within the range of 700 to 850. However, other criteria may also be considered during the approval process.

Introductory Offers

In addition to the sign-up bonus, the card offers a 0% introductory APR on purchases for the first 12 billing cycles, helping new users make significant purchases without incurring interest right away.

Special Features or Unique Selling Points

One of the unique selling points of the Barnes & Noble Mastercard is its focus on books and educational products. The card is particularly appealing to bibliophiles, fostering loyalty among readers and rewarding them for their passion through beneficial perks like exclusive offers and the birthday gift.

How to Apply

Applying for the Barnes & Noble Mastercard is simple and can be done online or in-store. Interested candidates should visit the ‘>Apply Here today!

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