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 14.24% APR will apply
  • Low 14.24% 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:
14.24%*
Variable
Balance Transfer Intro APR:
0% intro
(15 Months)
Balance Transfer Regular APR:
14.24%*
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 14.24%* 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
thecody321
Great deal, Great card, Great company
by thecody321
Helpful to 22 out of 26

I was a little hesitant after looking at reviews and approval odds, but I applied anyway. I was declined, but called the reconsideration hotline and got the decision overturned. My card arrived quickly and I've been very happy with it. The interest is low, the cash advance apr is the same as regular purchases, and it's an all around great deal. Highly recommended.

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
phildeas
Terrible
by phildeas
Helpful to 41 out of 41

Very low limit. I have 750 score with 20 yrs of credit over 60k in limits on cards. They approved me for $250 wtf I just got a 5k increase after one yr with Citi simplicity card . Barclays sends me stuff in mail all the time I asked why in the hell would you send me stuff you know my score? All they did was hurt my score 


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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 September 2018 through February 2019. 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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