Barnes & Noble Mastercard — Barclays is a personal credit card from Barclays. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 17.74% to 29.74% after a 0% intro APR on balance transfers for the first 15 billing cycles (transfers posted within 45 days of opening); no intro APR on purchases introductory rate. Signup bonus: $25 Barnes & Noble gift card after first purchase or balance transfer. Rewards: 5% back at Barnes & Noble and Paper Source stores; 2x points per $1 at restaurants (excl. Barnes & Noble Cafe).