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. Barclaycard even goes so far as to change the Terms based on consumer votes.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR N/A for N/A
- Regular Purchase APR 10.24% Variable
- Signup Bonus None
- Chip Technology Chip-and-Signature & Chip-and-PIN
- Foreign Transaction Fee None
- Intro Balance Transfer APR N/A for N/A
- Regular Balance Transfer APR 10.24% Variable
- Cash Advance APR 10.24% Variable
- Penalty APR None
- Late Fee Up to $27
- Returned Payment Fee Up to $27
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.
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.
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.
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.