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Earn a $25 Barnes & Noble Gift Card
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</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000; line-height: 18px;" valign="top">
after your first purchase
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:33px; color:#000000; font-weight: bold; line-height: 39px;" valign="top">
Get 5% Back
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
on all Barnes & Noble purchases
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:33px; color:#000000; font-weight: bold; line-height: 39px;" valign="top">
Earn 2x Points
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000; line-height: 24px;" valign="top">
for every $1 spent at restaurants
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
(excluding Barnes & Noble Café purchases)
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:33px; color:#000000; font-weight: bold; line-height: 39px;" valign="top">
Earn 1x Points
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000; line-height: 24px;" valign="top">
for every $1 spent on all other purchases
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000; " valign="top">
(excluding Barnes & Noble purchases)
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:33px; color:#000000; font-weight: bold; line-height: 39px;" valign="top">
Receive a $25 Barnes & Noble Gift Card
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
each time you reach 2,500 points
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:33px; color:#000000; font-weight: bold; line-height: 39px;" valign="top">
Earn 12 Months of Barnes & Noble Membership
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="8" style="line-height: 8px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
after spending $7,500/year on eligible purchases by your
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
account anniversary
<sup style="font-size:14px;">
2
</sup>
</td>
</tr>
<tr>
<td align="left" bgcolor="#EDE3D7" height="22" style="line-height: 22px;" valign="top">
<img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fdispatch.barnesandnoble.com%252Fcontent%252Fdam%252Fccr%252Femail%252Fgresources%252Fspacer1x1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmRpc3BhdGNoLmJhciJ9:1kXMb0:gfu8a7QC8sgBo9vgeAjURfV6DTDIicEApdhp-B18Qps" style="display:block;" width="1"/>
</td>
</tr>
<tr>
<td align="left" style="font-family: Arial, sans-serif; font-size:18px; color:#000000;" valign="top">
0% introductory APR for 15 months on balance transfers made within 45 days of account opening
<sup style="font-size:14px;">
1
</sup>
. After that, a variable APR will apply, 13.99% or 24.99%, based on your creditworthiness. There is a fee for balance transfers.
<sup style="font-size:14px;">
1
</sup>
</td>
</tr>
<tr>
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1. Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the
<a style="font-family:Arial, Helvetica, sans-serif; font-size:13px; color:#3a3737; text-decoration:underline;">
Terms and Conditions
</a>
.
<br/>
<br/>
This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the
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Terms and Conditions
</a>
for important information.
<br/>
<br/>
Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 13.99% or 24.99%, depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 25.24%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $.50 Balance transfer fee: 3% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. See
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for updated and more information about the terms of this offer, including the "About the Variable APRs on Your Account" section for the current Prime Rate information.
<br/>
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Terms and Conditions
</a>
for additional information about the rewards program.
<br/>
<br/>
After you use your Barnes & Noble Mastercard to make a purchase or balance transfer for the first time, a $25 Barnes & Noble Gift Card will be automatically sent to the mailing address on file for your Barnes & Noble Mastercard. Your first credit card purchase must not be invalidated for any reason. Please allow up to 4 weeks for delivery of the gift card.
<br/>
<br/>
When you use your Barnes & Noble Mastercard to make any purchase online at BN.com and in any Barnes & Noble Store nationwide, a credit in the value of five percent (5%) of such eligible net purchases will be posted to your Barnes & Noble Mastercard account. The five percent (5%) credit will appear on the same billing statement as the charge for the related eligible purchase.
<br/>
<br/>
Earning Points: Applicants who are approved for the Barnes & Noble Mastercard will earn two (2) points per dollar ($1) on restaurant purchases (excluding B&N Café purchases) as defined by merchant category code, and one (1) point per dollar ($1) for all other purchases (excluding Barnes & Noble purchases). Individual merchants are responsible for designating their own merchant category codes.
<br/>
<br/>
After you accumulate 2,500 points, a $25 Barnes & Noble Gift Card will be automatically sent to the mailing address on file within 7 to 14 business days after your billing statement period in which you have earned 2,500 points.
<br/>
<br/>
As the primary cardmember, you are eligible to earn 12 months of Barnes and Noble Membership in your name on each account anniversary, provided that $7,500 or more in eligible purchases are made with the Card during the credit card account year (each 365 day period prior to the account anniversary date). The following do not count towards the $7,500 purchase spend requirement: balance transfers, cash advances, quasi-cash transactions (transactions in highly liquid assets, e.g., assets that are directly convertible to cash such as, but not limited to, money orders, travelers checks, foreign currency and lottery tickets), purchases made by or for a business or for a business purpose, fees, interest charges, and unauthorized/fraudulent transactions.
<br/>
<br/>
•Barnes & Noble will send you a notification once you have earned this Barnes & Noble Membership benefit, which will outline your membership details. If you do not receive this notification within 2-3 weeks, please contact the customer service phone number on the back of your Card.
<br/>
•If you already have a Barnes & Noble Membership at the time you earn this benefit, Barnes & Noble will add an additional 12 months to your existing membership, which will extend the date when your next Barnes & Noble Membership fee will be due. If you do not have an existing Barnes & Noble Membership at that time, you will receive an invitation from Barnes & Noble to create a membership account in order to receive the 12 months of Barnes & Noble Membership you earned.
<br/>
•The 12 month Barnes & Noble Membership benefit will not be applied retroactively and a credit will not be provided for any Barnes & Noble Membership fees that you may have previously paid.
<br/>
<br/>
The Barnes & Noble Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
<br/>
<br/>
© 2020 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC
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