Add cards to start comparing.

Compare Cards
Trust & Security
  • Norton Secured
  • BBB logo
  • DigiCert
Featured On
  • CNN Money logo
  • Forbes logo
  • The Wall Street Journal logo
  • USA Today logo
  • The New York Times logo
  • PBS logo

Barclaycard® Ring MasterCard®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.7/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!

  • Regular Purchase APR 8.25%* Variable
  • Intro Purchase APR No intro APR
  • Intro BT APR N/A
  • Annual Fees $0
  • Credit Needed

    Excellent

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee
  • Choose your card benefits and features
  • Get rewarded through the new Giveback(TM) program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Card Fees

Late Payment Fees Up to $26

Foreign Transaction Fee 0% of each transaction in U.S. dollars.

Balance Transfer Fee $0

Cash Advance Fee $3 per cash advance

Returned Payment Fee Up to $26

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Non-rewards card

Annual Fee $0

Grace Period 23 Days

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 CompareCards.com 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 and it doesn’t offer any introductory rates, but it does offer a very low 8.25% variable APR all year long.

Customers will have access to profit and loss (P&L) statements and decide, as a group, how to change features they may not like. Their Giveback program will benefit customers based on cost-saving decisions they may have made collectively.

Standard features that come with this credit card is no annual fee, no balance transfer fees, and the lowest fees on the market for foreign transactions and cash advance fees. The APR for cash advances remains the same, too, at 8.25%* Variable. 

Expert Reviews of the Barclaycard® Ring MasterCard®

  • 5.0

    Regular APR

  • 0.0

    Intro APR

  • 5.0

    Fees

  • 5.0

    Benefits

  • star rating 5.0/5

    Overall Rating

The Bottom Line

This card is specifically designed to meet 3 key markets; those who want a profit-sharing feature; those who want a low APR all year long, every year; and those interested in the option to donate the profits to a charity.

The Good

This card is simple, social, and the first of its kind to bring crowd-sourcing to credit cards. Cardmembers have a say on some features and have access to P&L statements. The fees and rates with this card are extremely competitive and won’t likely be beat.

The Not so Good

If you are looking for a card that comes with an introductory rate or offers rewards for air miles or other categories, this isn’t the right card for you. This card also isn’t right for you if you aren’t interested in participating in this profit-sharing feature either.

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 have not been reviewed, approved or otherwise endorsed by Barclaycard.

Consumer Reviews

  • star rating mask

Offer Rating

4.7/5.0

7 Total Ratings

5 Star
 
 
(5)
4 Star
 
 
(2)
3 Star
 
 
(0)
2 Star
 
 
(0)
1 Star
 
 
(0)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+4 users submitted a rating without a full review

Sort by:

29 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

33 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 15, 2014

very nice card with low apr

36 Found this review helpful

  • star
  • star
  • star
  • star
  • star

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.

Back to top ↑