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Barclaycard Ring™ Mastercard®

Barclaycard Ring™ Mastercard®


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Your Rating:

4.3/5.0 from 56 Offer Ratings
Over the Past 60 Days!

(56) Over the Past 60 Days!

  • Regular Purchase APR 13.74% Variable
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months
  • Annual Fees $0
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

Card Fees

Late Payment Fees Up to $27

Foreign Transaction Fee None

Balance Transfer Fee None

Cash Advance Fee $3 per cash advance

Returned Payment Fee Up to $27

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Non-rewards card

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the Editorial Team

This card from Barclaycard was designed to be different from all other cards, by giving the card holder a “voice.” The Ring Card combines social media, online banking and financial education where community members can get involved in discussions and even vote on credit card benefits. This is not a rewards credit card, but if offers one of the most competitive balance transfer offers on the market.

Cardholders will enjoy 0% intro APR for 15 months on purchases and there is also 0% intro APR for 15 months on balance transfers made within the first 45 days. After the introductory period, the ongoing APR is 13.74% Variable which is pretty low compared to some of the competition. What really makes this card stand out is the lack of fees. There's no annual fee, no balance transfer fees and no foreign transaction fee.

Overall, the Barclaycard Ring Mastercard is a leading credit card for low interest on purchases and saving money on balance transfers. With such low interest rates and few fees, you can't go wrong!

Expert Reviews of the Barclaycard Ring™ Mastercard®

  • 5.0

    Regular APR

  • 5.0

    Intro APR

  • 5.0


  • 3.0


  • star rating 5.0/5

    Overall Rating

The Bottom Line

If you're looking to save money with a balance transfer, this card is one of the best options. The lack of fees makes it a great choice for anyone that wants a simple credit card with no suprises

The Good

With 0% intro APR on purchases and balance transfers plus no annual fee or balance transfer fee, this card is perfect for consumers looking to escape high credit card interest rates.

The Not so Good

Since this card doesn't have a rewards program built in, you won't earn any cash back or travel miles on your spending.

Editorial Note: This content is not provided by Barclaycard. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Barclaycard.

Consumer Reviews

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Offer Rating


56 Total Ratings

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+53 users submitted a rating without a full review

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88 Found this review helpful

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By: | Jan 31, 2015

Great card with low apr. Easy to log in and make a payment. Everything is well defined. No problems with anything.

91 Found this review helpful

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By: | Oct 15, 2014

very nice card with low apr

101 Found this review helpful

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By: | Oct 7, 2014

We have had this card for a while and we have no complaints. In addition to the points you earn by using this card itself we actually linked it to another rewards program and so almost every transaction earns us points. We use those points to help save up for our grand kids college.

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