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Offered by: Barclaycard

Barclaycard® Ring MasterCard®

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ 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® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
736
Typical Low: 653
Typical High: 808
   

N/A

8.00%*

N/A

8.00%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

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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.

Offer Details:

Cash Advance Rate

8.00%*

Annual Fee

$0

Late Fee

Up to $25

Cash Advance Fee

$1

Balance Transfer Fee

$0

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$0

$0

$0

Total Savings over 3 Years

$0

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 859
Data Created: February 02, 2015



56 Cardholder 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 Recent Reviews

Excellent card, Great customer service Helpful to 3 out of 4 people

Applied with c/s of about 670. Currently have a Barclay card with $1500 c/l. I was surprised when they denied me. Called c/s for a re-consideration and was approved under the condition I close my existing account. That was fine with me. New card has c/l of $2000. 8% on purchases, balance transfers and cash advances. Did a balance transfer of $800. No problem and today I recieved an $8 statement credit. Barclays Ring card gives a 1% credit on all balance transfers. What a deal! I've been re-building credit now for 24 months. Gone from in the toilet to an 8% card. Gotta love it. My anual income btw is $18,600. If I can do it you can. Hang in there.

BobMacOk's response was:    

 
Mar 11, 2015

BobMacOk(5, 34)

Lowered my credit line Helpful to 1 out of 4 people

Don't waste your time with this card.  I had a $5000.00 limit it was lowered to $1300.00.  I had a purchase declined thats how I found out.  In doing my research I see this is there common practice id you use your card a lot.  Why issue a card then makes no sence.  I closed my account and paid the $1300.  balance in full.  They suck I will surly tell all my friends.

Mar 11, 2015
So far, so good. Helpful to 2 out of 3 people

I'm a 23 year old male and got approved with a rating of about 729. It came with a $1,500 balance, which is plenty for somebody like me. Same amount that my other card started me off with.

Balance transfer of over $200 was approved and processed within 10 business days, no problems.

Mar 04, 2015
Good idea, terrible execution. Helpful to 10 out of 12 people

I received an invitation in the mail to apply for this card. I get several of such invitations from credit card companies and they usually wind up in the shredder. However, having read about the Barclaycard Ring in the news and after doing some research, I decided to accept the invitation and sent in the application along with a request for balance transfer from another card. Now this was not a large balance transfer request and my credit rating is very good/excellent. I received the card very quickly, upon looking through the paperwork, I noticed that my request for transfer was not honoured, no word from Barclays about it at all. Barclays was kind enough to extend me a credit line of $250.00 which I thought was a mistake, as this is a ridiculously low amount in this day and age. My student daughters have been offered better credit lines. Not only the credit line was so low as to render the card completely useless, they also charged me $15.00 for a 'fast card fee', i assume for sending the card via courier, which I never authorised or requested.

I thought the credit line was a mistake so I wrote to them via the website, no reply for several days, I wrote again and again no reply. I decided to call and cancel the card, which I did. During the call the rep told me he had waived the $15.00 charge. I checked the website again later and noticed that 2 replies had come in to my messages and the fee was still there. The replies were typical boiler-plate emails. I waited to see if the charge would be credited but, after a week it was still there. So I called again and had to explain why I wanted the fee credited. The rep told me that she was crediting it and it should reflect tomorrow. Let's see. 

Overall, a terribly disappointing experience, I will not consider Barclays in the future and will tell my friends and colleagues to avoid it.

Feb 18, 2015
Awesome! Helpful to 5 out of 5 people

After doing extensive research on low interest credit cards, I found this one to be one of the lowest!! I was approved for 8% interest and a $15,000 credit in minutes! I use a different card for their rewards program but this is a GREAT card for emergencies when you might not be able to pay off your credit card debt.  I'm 30 years old and was approved for $15,000 in minutes, nothing bad to say about this card.

Feb 16, 2015

See all 56 Reviews of Barclaycard® Ring MasterCard®

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ 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 2014 through February 2015. 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.