3 Bookstore Cash Back Credit Cards | Amazon and Barnes & Noble

I love books. In fact, just this past week I purchased the Amazon Kindle, which is truly amazing. With Kindle, you can wirelessly download any book from Amazon that is available for the Kindle. And Amazon offers a ton of FREE books, too. So that get me to thinking, are there any credit card offers with cash back rewards for buying books? The answer is yes! The following credit cards offer perks for the book lovers out there. The three cards featured are rewards cards that allow you to earn points and then redeem them accordingly. Each card has its own benefits and promotions and you don’t necessarily need to be a bookworm to find the cards useful.

Amazon Visa Card

Since I just purchased the Kindle, let’s start with the Amazon Visa Card. Here are the highlights for the card:

Get a $30 statement credit
Earn Rewards Points
Redeem Your Points
No Annual Fee

Rewards Details
This card is a general rewards credit card. After your first purchase with the Amazon.com Rewards Visa Card, you will be credited $30 on your credit card statement. You also start earning points right away on eligible purchases. Here’s how it works: You earn 3 points for every $1 spent on Amazon.com, 2 points for every $1 spent at gas stations, restaurants, and drug stores, and 1 point for every other $1 spent. You can redeem your points for Amazon.com gift cards, cash back, airline miles and more. You can start redeeming your points once you accumulate 2,500 points.

Annual Percentage Rate
The Amazon Visa Card’s APR may vary monthly based on the Prime Rate. The “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99%, 14.99%, or 17.99%. Cash Advance APR: The Prime Rate plus either 15.99% or, if your purchase APR is 21.24%, then plus 19.99%. Default APR: The Prime Rate plus up to 26.99%, but not more than 29.99%. Overdraft Advance APR: The Prime Rate plus 15.99%.

Your APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank.

Barnes & Noble MasterCard

If you prefer to browse books in a bookstore, then you might want to consider the Barnes & Noble MasterCard:

Free $25 Gift Card
Extra 5% Back at Barnes & Noble
No Annual Fee
0% on Balance Transfers

Rewards Details
The card gives you a $25 Barnes & Noble gift card after your first purchase. If you shop at the Barnes & Noble store or online at www.bn.com and use your card you will get an extra 5% off. The 5% shows us as a credit on your next statement. You also earn one Reward Point for every dollar you charge anywhere else, this includes everyday purchases like gas and groceries. Once you reach 2,500 points, you’ll automatically receive a $25 Barnes & Noble Gift Card. The Barnes & Noble MasterCard also offers a special 10% Cashback offer to card holders that allows you to save on best sellers. This promotional offer will be applied to your account within 8 weeks. And finally, the card comes with a 0% balance transfer offer for 6 months.

Annual Percentage Rate
The Barnes & Noble MasterCard offers a special Balance Transfer Convenience Checks APR is 0 % for the first six billing cycles after you open your account. Your APR may vary each month and is determined by adding the following percentages to the Prime Rate. For purchases, Balance Transfers and Convenience Checks (after the introductory period) the rate is either 7.49%, 9.99%, or 12.99%. For Cash Advances the rate is 15.99% and this rate will not be lower than 19.99%. The Penalty APR can be up to 23.99%

The applicable Penalty APR that will be applied to your Account will be determined based upon our review of your credit history (including your credit performance with other creditors). The Penalty APR will increase or decrease with changes in the Prime Rate.

Discover More Card

The Discover More credit card is an all-purpose cash back credit card. But because it pays excellent cash rewards, we’ve included as a card to consider:

5% Cashback Bonus for travel, home improvement, gas and more
5% to 20% Cashback Bonus at top retailers
1% Unlimited Cashback Bonus
No Annual Fee

Rewards Details
You can earn unlimited cash rewards on all purchases. You can earn 5% Cashback Bonus on category purchases throughout the year by signing up for each program. When you sign up, you will receive all the details, including the limit on the amount you can earn. In addition, earn 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $3,000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. Rewards are redeemable starting at $20 and they have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited.

Annual Percentage Rate
The Discover More card offers a intro rate of 0.0% on Balance Transfers for 6 billing periods from the date the account is opened. This offer only applies to balance transfers requested with your Application. The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 8.74% and 15.74%. The cash advance APR may vary monthly and equals the Prime Rate +20.74%. The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but this rate will never exceed 29.99%; effective January 1, 2010 the default APR for purchases may vary monthly and equals the Prime Rate + up to 13.74% or up to 20.74%; the default APR for cash advances may vary monthly and equals the Prime Rate + up to 25.74%.

If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate. Effective January 1, 2010, each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR.