Barclaycard Ring® Mastercard®

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  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
13.99%*
Variable
Balance Transfer Intro APR:
0% intro
(15 Months)
Balance Transfer Regular APR:
13.99%*
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 13.99%* Variable
Cash Advance Fee $3
Late Fee Up to $27
Penalty APR See Terms*
Balance Transfer Fee See Terms*
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
Anonymous
Worked for me is all I have to say
by Anonymous
Helpful to 40 out of 52

Got approved for $7500 with 15 months 0% interest and no balance transfer fee. My score was about 720 at the time. Worked great for me and customer service was great. Not to sure why such bad reviews. I hope my opinion stats the same.

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
myrlyn29
If your credit score matters--DON'T
by myrlyn29
Helpful to 96 out of 102

I got this card four years ago. My primary reason for applying for this card in particular, was the interest rate, which was advertised to be low...and mine was, at 8%. I loved this card. It was my go-to card in emergencies. My approved credit limit was $5000. I had a couple of emergency car reparis come up and I had just over $2000 charged on the card. I watch and keep track of (and was proud of) my credit score. Zero late/missed payments, I kept my utilization low and had no derogatory marks. One year ago I made my monthly payment on my cards and checked my report a week after that--and was pretty angry that I found that, without any email, snail mail--any warning at all, that my credit limit had been dropped to $2200. So, the one card I had over 30% utilization on (2k of 5k limit was 40%), had now changed to 90% utilization--my credit score dropped 35 points! I called their customer service and tried to resolve this and get them to restore my credit limit. I was basically told that "we're sorry, but you're s$$t out of luck". I closed that account immediately. I make the minimum payments to them now, and will continue to do so. But, I refused to deal with Barclay any further after that little bit of unlubricated financial sodomy. 


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† 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 June 2018 through November 2018. 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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