Barclaycard Ring™ Mastercard® Reviews

Approval Odds

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2.5 out of 5 stars
19 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

2.5 5

Card Details

  • Balance Transfer Intro APR 0% for 15 Months on balance transfers made within 45 days of account opening
  • Balance Transfer Regular APR 13.99%* Variable
  • Annual Fee $0
  • Purchase Intro APR 0% for 15 Months
  • Purchase Regular APR 13.99%* Variable

Our Take

The Barclaycard Ring™ Mastercard® is a good option for consumers with excellent credit scores who want limited fees and low interest rates.

What to Like

The Barclaycard Ring™ Mastercard® features a 0% intro APR for the first 15 months on purchases. 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.


Most Helpful Positive Review

Oct 29, 2016
Approved on Reconsideration
LJM07 Cardholder

After initially getting the 7-10 day review message upon submitting the application, I immediately checked the approval status link on Barclaycard's website, and it said "denied."  I then called their credit department and spoke with an analyst who verified some information from the application and asked some questions about income and an old charge-off account (that has been paid in the past year).  I was then approved.  My credit scores are TU 694 FICO (Not Vantage Score), 655 Experian FICO, and 673 Equifax FICO.  For comparison purposes, my Vantage scores here on CK are 20-30 points higher (700-710).  The only report they pulled was TransUnion.  As important with the Ring Card are balances-to-available-credit, and mine are under 5% on my accounts, so I was fairly confident this would weigh in my favor in contrast to my average credit scores.  I have 2 new accounts opened in the last month as well, and my TransUnion hard inquiries in the past month just prior to applying were 2 (6 total over 24 months; 4 were from April 2015).  Also, my approval odds here on CK were "fair" and when clicking apply I got the pop-up window saying "your odds for approval for this card are low."

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Most Helpful Negative Review

Mar 07, 2017
Applying for this card was a mistake
vhdcredit2011 Cardholder

I had wanted this card primarily for two reasons: The 15 month 0% APR balance transfer offer and the no balance transfer fee. I went onto Barclay's website, double check to ensure the offer is still there, then applied and was approved immediately.

When the card arrived, I went to apply the balance transfer only to discover it didn't exist. I contacted customer service who insisted that I misread the offer until I pointed out that the offer is still visible on their website. They tell me they will create a support case for me. Anyone can probably guess what happens next. I contacted them back after one week asking for an update and they tell me they're still researching, but they'll make a note I called. I asked how long will researching take and they state 7-10 days.

So I contacted them back after two weeks asking for an updated and, literally, the same line is repeated. When I pressed asking why the length and utter lack of any updates, the representative can only respond that they're researching. I ask to close the case figuring it's not worth pursuing anymore...and I'm actually told they need to put in a request and have the department contact me back just to close the case. So whether I'm opening a support case or wanting to end it, it seems I need to wait an indeterminable amount of time for Barclay's department to contact me to do either one. What awful customer service.

Honestly, nothing else about the card is particular notable. It has benefits that are more or less the same as every other credit card, it has its gimmicks that are mostly useless, and it has the same bonus offers (well, when it honors them anyway). Had I known this issue would pop up, I would not have bothered to sign up for the card so I'm rather annoyed at taking the credit hit for something which I now have little use for.

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These reviews were written by current and former cardholders in the last year.

Jul 19, 2017
The old bait-and-switch

Barclay sent me, through postal mail, a specific solicitation and offer of a Barclaycard Ring Mastercard with 0% on purchases and 0% on balance transfers, with no fees.  Sounds great, doesn't it?  I applied, and today I find out that I was approved, but for a token credit line of $250.  Since my total credit card lines are over $100K, Barclay's $250 limit is downright insulting.


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Jul 14, 2017
raminlv Cardholder

Unlike everyone else, I got the card when they had a low APR, 8.0% (now it's at 8.75%). I never had the balance transfer issues others had, since it always lists normal APR for balance transfers. I like the card because of its low interest rate as far as CCs go. They did decline my credit increase though. It's been pretty good for me. Not my favorite card, but can't beat the APR.

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Jun 20, 2017
Anonymous Cardholder

I have a really good credit history with my scores between 720 to 735. Barclay runs random evaluation and will decrease your credit limit with no notice and throw your credit utilization out the door. NONE of my other creditors have or will ever do that!!! You couldn't pay me to get this card again...If you get this card; remember you have been warned.

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Jun 18, 2017
Rotten, scammish.
Anonymous Cardholder

So, I applied for & received the 0% transaction fee. I went online and used it to pay off a credit card balance but I entered one digit wrong, according to them (which is probably true). It took them over 45 days to resolve the issue, after I had to call and spend at least an hour. Then, when they finally resolved it and i went to use it, they said I couldn't use it because the offer was only valid the first 45 days of the credit card being opened. Their customer service reps are sooo nice and professional, but the people up top are scammers and don't trust this card. Unless you like being treated like a piece of crap.

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Jun 09, 2017
Ok card
Anonymous Cardholder

APR is ridiclous!!! I have a credit score of 720 and my interest rate was too high. However, Customer Service is GOOD!

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May 26, 2017
Go with anyone else but Barclay
JayPD038 Cardholder

Barclay is terrible. Do yourself a favor and stay away from them. I have been a customer with them for 2 years, and on the month of my 2-year anniversary with them, they send me a letter advising me that they're closing my account due to credit utilization. I called asking them to reconsider and it literally took them less than 2 seconds to refuse. 

Since they are closing my account, my overall credit age and my available credit will now drop, which will also increase my credit card utilization. Barclay's decision to close my account will now have a negative affect across 3 areas of my credit report and a big negative impact on my entire credit score. 

The Barclay card is the lowest limit of all my cards. While it doesn't leave much room to spend, it fortunately works to my advantage now because I will thankfully be able to pay off the full balance immediately and be done with them.

Do not allow Barclay to negatively affect your credit score. Both American Express and Discover stand behind their customers, offer great service and perks (AMEX paid for my wife and I to go see Rob Thomas in concert back when we had only been a customer with them for a few months), and good credit limits (Discover offers the highest limit and the lowest interest rate of all my cards). If it's a Mastercard or even a Visa that you need, please shop around for others. Do yourself a favor and stay away from Barclay!

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May 18, 2017
Garla001 Cardholder

Before applying for this card, I called to speak with customer service to ensure that the promotional offers applied to certain services and did not have any hidden issues.  I spoke extensively with a woman, who told me all the things I wanted to hear.  Based on her representations, I applied for the card.  Upon receipt of my card, however, I quickly discovered that the information she gave me was blatantly false.  I called to complain and find out more, but was basically told "too bad."  I requested to speak to a manager, but none were available.  One was then supposed to call me withing 24-48 hours, but no call was received.  I also turned to the online customer support, but it was obvious that the support team was not even reading my emails.  The responses didn't address the issue at all, and contained wrong information in them.  I believe that I was given false information to induce me into applying for this card.  Once approved, the company had no interest in backing up its promises to me.  This card has been nothing but a headache -- the only consistent thing they have done is disappoint.  

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May 22, 2017

It would be helpful if you can tell others what's the wrong information you were given.

May 25, 2017

Agreed. No one knows what info you were given. Without it, we don't know if it was customer service or you that was the problem.

May 05, 2017
Anonymous Cardholder

 BEWARE OF "BAIT & SWITCH". If I could give this card zero stars, I would. Horrible company with deceptive tactics. Horrible customer service. Applied in March '17 intending to utilize this card for a $16,000.00 balance transfer due to it's advertised "0% for 15 Months on balance transfers and purchases made within 45 days of account opening". Was approved for $25,000.00 credit limit. I called and spoke to one of their "relationship managers" shortly after receiving my card because I had questions only to find out that the online advertised terms of "0% for 15 Months on balance transfers made within 45 days of account opening" are "not relfected in their system" and that I would be charged interest. Argued the point that the terms "0% for 15 Months on balance transfers made within 45 days of account opening" are right on the card's website and under the link for information regarding the card's terms. The "relationship manager" opened a case for me and said that once everything was resolved I would receive an updated term agreement by mail. Never received anything. Received first statement last week indicating $153.00 in charged interest. Called and spoke to another one of their "relationship managers". This "relationship manager" advised me that the case was closed because I never sent in any documentation to prove that the terms were indicated online as being "0% for 15 Months on balance transfers made within 45 days of account opening". Advised this "relationship manager" that I had screen shots and print-outs of everything, and that I was never advised to submit any documentation. I was told that I "was bullying them to get what I wanted" and that they could do nothing for me since the case was closed. They requested to have me submit my documentation via e-mail. Each attempt to e-mail failed because I received an automated response indciating that their inbox was full and that my e-mails were not received. Decided to wipe my hands of Barclaycard for good and transferred the balance to another credit card company with more reputable practices. I will never deal with Barclaycard again. My advice.... STAY AWAY.

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May 03, 2017
Cancel after receiving the card
Anonymous Cardholder

Be careful with this bad company. I have FICO score above 700 and annual incoma more than $120K.  Do you know how much they give me for a line of credit. $250! LOL. I wish they rejected my application at the first. No wonder they offer 15 month purchase and  balance transfer at 0%. $250....hahaha. I have minimal of $6,000 on other credit cards. 

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Apr 28, 2017
Watch Your Credit Score Plummet
Anonymous Cardholder

Barclays provided a 17k limit. FICO dropped from 810 to 718 with some additional credit usage,  but no late payments or derogatory marks on my credit report. Barclay then sent a letter decreasing limit to $500.  Now the $500 is reporting to the credit bureau. Barclay clearly doesn't care about its's customers or take time to understand their cardholders. Effectively closing the account of a household that has a 300k income and low debt relative to that income is absurd. Will never do business with Barclay again. Fortunately, I have access to over 250k in credit card lines from other banks and credit unions, so Barclay's poor decision making doesn't hurt as bad as it would for most people.

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Barclaycard Ring™ Mastercard®