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Barclaycard Ring™ Mastercard®

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Our rating
Credit range: Excellent
Annual Fee: $0
Regular APR: 13.74% Variable
Intro Balance Transfer APR: 0% for 12 months, for transfers made during the first 45 days

Barclaycard Ring™ Mastercard®

Our rating
Excellent Credit range
$0 Annual Fee
Read our Review

Highlights & Features

Rewards

None

INTRODUCTORY BONUS

None

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

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

Fees

Penalty APR See Terms
Late Fee Up to $27
Returned Payment Fee Up to $27
Additional Cards Annual Fee $0
Foreign Transaction Fee 0%

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 13.74% Variable
  • Cash Advance Fee: $3
ABOUT THE ISSUER

Barclays

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-928-8598 or

Try a different phone number
Barclaycard Ring™ Mastercard®

Highlights

  • 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
The Barclaycard Ring Mastercard is not currently available for new applicants.

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.