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. Barclaycard even goes so far as to change the Terms based on consumer votes.

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Quick View

Quick View

  • Rewards


  • 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 10.49% Variable
  • Cash Advance APR 10.49% Variable
  • Penalty APR None
  • 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.


  • 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.

  • 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

Read about experiences others have had with this card and leave your own review here.

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