Bonus $25 B&N gift card after your 1^st purchase³

Important Information about the Barnes & Noble Mastercard: Offers may vary. Please review the information below and the Terms and Conditions for the reward benefits (such as bonus points and how points are earned), interest rates and account fees and terms for this particular offer before applying.

1. Please review the Rewards Summary for important information about the program benefits and features listed above and the Terms and Conditions for full details about the reward benefits (such as how points are earned), interest rates and account fees and terms for this particular offer before applying.

2. When you use your Barnes & Noble Mastercard to make any purchase (other than the purchase of any discounted Barnes & Noble Gift Cards) online at www.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.

3. After you use your Barnes & Noble Mastercard to make a purchase for the first time, you will receive a twenty-five dollar ($25) Barnes & Noble Gift Card by mail. Your first credit card purchase must not be invalidated for any reason. Please allow up to 4 weeks for delivery of the gift card. The delivery will be made to the billing address associated with your Barnes & Noble Mastercard.

4. The 0% introductory APR on Balance Transfers will apply for the first 15 billing cycles that immediately follow each Balance Transfer made within 45 days of account opening. At the end of the introductory period the APR for all new and outstanding Balance Transfer balances will be either 18.74% or 29.74%, which will be determined at account opening based on your creditworthiness. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the "About the Variable APRs on Your Account" section of the Terms and Conditions . There is a fee for Balance Transfers. This introductory APR offer does not apply to Purchase or Cash Advance transactions. See the enclosed Terms and Conditions for more information about how, subject to applicable law, your APRs may increase if you pay late.

5. FICO Is a registered trademark of Fair Isaac Corporation In the United States and other countries. Barclays offers FICO^® Score access at its own discretion. FICO^® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO^® Score, your account with us must be open and active (having activity within the past 150 days).

6. Offer subject to credit approval. See Terms and Conditions for information about the account terms and benefits. This offer is available to new cardmembers only. For information about rates, fees, other costs, and the reward program rules and benefits associated with the use of this credit card program please see the Terms and Conditions.

The Barnes & Noble Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.