Barclaycard® Ring MasterCard®

Cardholders' Choice i
Cardholders' Choice i
APPLY NOW
  • 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
  • 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:
8.00%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
8.00%*
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 on 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
ihatebighairtina
Great!
by ihatebighairtina
Helpful to 27 out of 28

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
Good idea, terrible execution.
by Anonymous
Helpful to 34 out of 40

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.


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

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 March 2015 through August 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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