Barclaycard® Ring MasterCard®

Cardholders' Choice i
Cardholders' Choice i
  • 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.
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
$0
N/A
8.00%*
N/A
8.00%*
Variable
Variable
Annual Fee
Purchase Intro APR
$0
N/A
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
8.00%*
N/A
8.00%*
Variable
Variable

Offer 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 the provider's website.

Cash Advance Rate 8.00%*
Cash Advance Fee $3
Late Fee Up to $26
Balance Transfer Fee $0

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
philipwhuff
Dream Card
by philipwhuff
Helpful to 81 out of 89

While the 8% APR doesn't really make a difference to me since I almost always pay in full, it's still nice to have a "go to" low interest card if I ever need it.

The Barclaycard website is premium, extremely well designed, and the customer service through the Ring community is absolutely top notch.  It's an interesting concept and very interesting to see how this plays out.  I just receive $90 back via the "Give Back" feature which will be applied to my statement and this was with moderate usage.

IMPORTANT: If you get denied, call the back door number.  I was originally denied and from what I've read from various places, many people are initially denied but received the card after pulling the back door number and talking to a credit analyst.

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
burrisedward
Terrible customer relations...
by burrisedward
Helpful to 11 out of 12

I applied for this card with a fair amount of optimism. I have a "FAIR" credit score of 699 and a pretty substantial income to back everything up. I finished the application and got the message that read that they would consider the app and I would have an answer in 7 to 10 business days. Later the same day I checked the status online and the answer was no. I called to ask for reconsideration and tried to plead my case but got a resounding no again only this time in a much more rude arrogant fashion. The representative said that because I only had one credit card open that I could not be approved for the next one. They also remarked that I didn’t deserve the low interest rate because I hadn’t paid my dues with the higher interest accounts. I could not believe that not only would they not consider me for a low credit limit but the representative was unrelenting and toward the end of the conversation very rude and snippy. I’m sort of glad they declined me because to me this is an indication of their customer service.


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 8.0% 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

Barclaycard® Ring MasterCard®

Cardholders' Choice i
Balance Transfer Intro APR Purchase Intro APR Regular APR

N/A

N/A

8.00%*

Variable

† 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 October 2014 through March 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.

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