Barclaycard® Ring MasterCard®

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  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee and No Foreign Transaction Fee
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • 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
  • 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.
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
8.25%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
8.25%*
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 8.25%* Variable
Cash Advance Fee $3
Late Fee Up to $26
Penalty APR See Terms*
Balance Transfer Fee $0
Foreign Transaction Fee None
Return Payment Fee Up to $26

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 35 out of 36

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 5 out of 5

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 good to excellent credit scores who want limited fees and low interest rates.

What to Like

The Barclaycard® Ring MasterCard® features a great 8.25% Variable APR for purchases, balance transfers and cash advances. 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 February 2016 through July 2016. 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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