Barclaycard Ring™ Mastercard®

The Barclaycard Ring™ Mastercard® stands out among other credit cards. Users of this card are encouraged to participate in a forum where they can provide feedback on it.

Barclays even goes so far as to change the terms based on consumer votes — they recently added new terms for balance transfers, for example.

New cardholders get a 12-month 0% intro APR for balance transfers made during the first 45 days. Transfers made during this time will incur a 3% fee.

After 45 days, balance transfers will be subject to the regular APR — but there will be no transfer fee.

So you’ll have to decide which offer is more valuable to you. Would you rather pay a fee to transfer a balance, and then get 0% APR for a year? Or would you rather pay no transfer fee, but end up accruing interest on the balance?

We recommend going with the 0% intro rate in most cases, because the finance charges you’ll accrue on the balance are likely to be more than the transfer fee you’d pay.

 

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Quick View

Quick View

  • Rewards

    None

  • Signup Bonus None
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR 0% for 12 months, for transfers made during the first 45 days
  • Regular Balance Transfer APR 13.74% Variable
  • Cash Advance APR 13.74% Variable
  • Penalty APR See Terms
  • Late Fee Up to $27
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Giveback Profit-Sharing Reward Program

    Get a small share of the card profits, if the community as a whole demonstrates financial responsibility.

  • Community Influence and Voting

    Cardmembers can propose changes and vote to determine the terms of the card.

  • Community Discussions

    Contribute in the forum, discuss card terms and general finances. There are four categories: Card Basics, Community, “Track” Talk, and Financial Health.

  • Community and Financial Tracking

    An overview of the Ring card’s performance, and summaries of the financial activity of the community.

  • FICO 8 Credit Score Access

    Cardholders can view their FICO 8 Credit Score based on their TransUnion credit report for free, any time.

  • PIN EMV Technology

    This card comes with both Chip-and-Signature and Chip-and-PIN EMV technology. This makes it usable at more merchants outside the U.S.

Visitor Reviews

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