Barclaycard Ring™ Mastercard®

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  • 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, 13.49%
  • 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
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
13.49%*
Variable
Balance Transfer Intro APR:
0%
(15 Months on balance transfers made within 45 days of account opening)
Balance Transfer Regular APR:
13.49%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 13.49%* Variable
Cash Advance Fee $3
Late Fee Up to $27
Penalty APR See Terms*
Balance Transfer Fee $0
Foreign Transaction Fee None
Return Payment Fee Up to $27

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
ihatebighairtina
Great!
by ihatebighairtina
Helpful to 37 out of 38

I've been Low APR!!! got approved for $7500 with a 758 CK Score.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Anonymous
by Anonymous
Helpful to 9 out of 9

Thought i would give Barclay a try and see if I could get the ring from them. I have a perfect report and perfect payment history, 6% total utilization across all cards and a 750TU fico 08 score. Declined for the sole reason of too many accounts in all of 2015 even when all are current and payments are good. I won't be applying to Barclays again. Not even a 500 limit card. Goodluck if you can get it from them. I don't usually leave reviews but I thought this was absurd. 


Our Take

The Barclaycard Ring™ Mastercard® is a good option for consumers with excellent credit scores who want limited fees and low interest rates.

What to Like

The Barclaycard Ring™ Mastercard® features a 0% intro APR for the first 15 months on purchases. There is no annual fee, balance transfer fee or foreign transaction fee. Cardholders also can get access to extra cash via the Giveback™ program.

Look Out For

Beyond the Giveback™ program, there’s no rewards or cash back here, so it’s worth balancing the other benefits against that drawback.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from August 2016 through January 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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