Rated 4.5/5 stars by our editorial team
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4.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!
Foreign Transaction Fee None
Balance Transfer Fee Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
Cash Advance Fee $3 for each cash advance
Annual Fee $0
$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
This card from Barclaycard was designed to be different from all other cards, by giving the card holder a “voice.” The Barclaycard Ring® Mastercard® 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 a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply. That ongoing rate 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 for balance transfers that post to the account after 45 days of account opening 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!
If you're looking to save money with a balance transfer, this card is one of the best options. The lack of fees for balance transfers that post to the account after 45 days of account opening makes it a great choice for anyone that wants a simple credit card with no suprises
With the intro APR on balance transfers and lack of fees, this card is perfect for consumers looking to escape high credit card interest rates.
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.
5 Total Ratings