Barclaycard Ring™ Mastercard®


For People with
Excellent Credit

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.

Card Quick Facts

Card Quick Facts

  • 0% intro APR for 12 months for balance transfers made in the first 45 days (fee of 3%, $5 minimum)
  • A low, regular variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees after the first 45 days
  • No foreign transaction fees
  • Chip-and-PIN technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to a FICO® Credit Score

For People with
Excellent Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR 13.74% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $27
Returned Payment Fee Up to $27
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months, for transfers made during the first 45 days
Regular Balance Transfer APR 13.74% Variable
Balance Transfer Fee 3%, $5 minimum for the first 45 days; no fee after that
Cash Advances

Cash Advances

Cash Advance APR 13.74% Variable
Cash Advance Fee $3

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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