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Review of the Barclaycard Ring™ Mastercard®

Updated Oct 05, 2021 | Published Feb 01, 201816 min read

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Barclaycard Ring™ Mastercard®

Min Credit Level Excellent
Annual Fee $0
Regular APR 13.74% Variable
At a glance

The Barclaycard Ring Mastercard is not currently available for new applicants. See other 0% APR cards and balance transfer cards.

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Insider tip

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

The Barclaycard Ring™ Mastercard® stands out among credit cards.

As a cardholder, you’re not just a passive user of the card. Instead, you’re able to take part in how the card is designed, voting on product changes periodically. That means the terms and features may change in some pretty drastic ways compared to other credit cards.

The Ring is a “social” card, designed with a unique focus on its users. It features an active forum for community feedback, and Barclays will pay attention to what’s being said there.

Barclays recently changed the terms of this card: New cardholders now get an intro APR of 0% for 12 months, for transfers made during the first 45 days, although transfers made at that rate will incur a 3% fee. This offer is not available for existing cardholders.

Balance transfers made after the first 45 days will be subject to the regular interest rate, but they won’t have a fee.

The Ring is a low-interest card, with one of the lowest regular APR’s you’re likely to find on a credit card (although it used to be even lower, at 8%). There’s no annual fee and no foreign transaction fee. The interest rates and fees are the real selling points of the card, rather than rewards or sign-up bonuses.

Although there are no rewards in the traditional sense, you’ll still have a chance to earn a bit of cash back with this card. Whether you do or not depends on the overall financial responsibility of the Ring community. So you’ll be casting your lot in with the other cardmembers, and you’ll profit (or not) along with them.

Is this interesting card right for you? Read on to find out.

Barclaycard Ring™ Mastercard®
  • Min. credit levelExcellent
  • Annual Fee$0
  • Purchase APR13.74% Variable

Our Rating: 4 out of 5 Stars

We gave this card 4 out of 5 Stars because it’s unique, offering something that no other card does: an active community of members who can actually influence the terms and features. That’s the main attraction here, along with the very low rates.

Why we like this card

  • It’s a novel experiment, taking an approach very different than any other credit card.
  • A community of cardmembers you can chat with to discuss the card terms and find answers to your questions.
  • The community focuses on responsible credit habits and financial education.
  • Add your personal touch to the card by proposing improvements and voting for the changes you like.
  • The Giveback program is an interesting approach to rewards, although you shouldn’t expect to gain much from it.
  • Balance transfer offer of 0% for 12 months, for transfers made during the first 45 days (3% fee, minimum of $5).
  • APRs for purchases, balance transfers, and cash advances are relatively low.
  • No balance transfer fees after the first 45 days.
  • No foreign transaction fees and it comes with Chip-and-PIN EMV technology, so it’s great for traveling outside the country.
  • No annual fee.

Why this card could be better

  • Balances transferred in the first 45 days get 0% APR, but you’ll still need to pay a transfer fee.
  • No balance transfer fees after the first 45 days, but you’ll end up accruing interest on balances transferred after that point.
  • This card requires excellent credit, so it won’t be available to everyone.
  • You can’t expect to always earn rewards with this card, because you’ll profit or not along with the entire community.
  • There are only a few extra perks, like basic shopping and travel protections.

This isn’t the most rewarding card you can get, by far. But it makes up for that with the low fees and APRs. Overall, it seems like a decent trade-off if you need a card with low rates. For some similar cards that do offer rewards, check out some alternatives below.

Insider Advice: Using This Card as Part of Your Credit Card Strategy

  • Save money on interest: The Ring card offers 12 months at 0% APR for balance transfers, although you’ll pay a fee of 3%. Transfers after that point are subject to the regular APR, but have no transfer fee. We recommend going with the 0% APR offer.
  • Be a responsible Ring cardholder: Pay off your balance in full each billing period to be a responsible member of the Ring community. Doing so will help you earn a potential Giveback reward at the end of the year.
  • Don’t always expect rewards: Although you may earn some rewards with this card, there’s no guarantee. See our picks for the best reward credit cards if you want to earn points or cash back when you shop.
  • Add to the Giveback pool: Increase your potential Giveback by using your card more often and referring other people to apply for the card.
  • Bring it when traveling: The Ring card has no foreign transaction fee, and it also has Chip-and-PIN EMV technology. That means it will be accepted at more merchants outside the U.S., some of which require cards with PINs.
  • Take part in the community: Get your voice heard in the Ring community of cardholders. Share your opinion and discuss the card features with other members. You might find your suggestions making a real difference in the terms of the card.

The Rewards

Earning Giveback Rewards

The Ring card doesn’t offer traditional rewards, like points or cash back. Instead, the community of cardholders has a stake in the overall profitability of the Ring card. The better the Ring card does as a business product, the better the community does.

Every six months the community may receive a reward called a Giveback. This will be some amount of cash back, different for every card member. It’s based on how responsible the community was in paying off its credit card debt over the past months. There is no guarantee of getting one.

Basically, the less credit card debt the community has overall, the higher the Giveback pool will be. When the Barclaycard Ring profits, some of that will be shared with the members. But if there is no overall profit or the profit is too low, the members get nothing.

In short, there are a few things you can do to maximize your potential Giveback:

  • Aim to have a high statement balance every month
  • Pay your bill on time and in full every month
  • Refer other people to apply for the card, successfully or not

The Giveback profit-sharing program is a relatively minor part of this card. But it’s actually quite complicated to explain. Cardholders don’t usually earn much from it, and it’s not one of the main selling points of this card. It’s a nice little bonus if you happen to get it, but it’s not a big deal if you don’t.

So you can safely skip this explanation and move on to learning about the Ring Community, if you want. Or, if you want to learn all about how the Giveback program works, continue reading.

How the Giveback Rewards Program Works

The total Giveback amount is composed of two separate funds: the referral pool and the Giveback pool.

The Referral Pool

The referral pool is actually quite simple. Barclaycard will add a certain amount to this pool whenever a cardmember refers someone to apply for the Ring card.

They’ll add more if those applicants are approved for the card. But some amount will be added even if they’re denied.

The total amount of funds added will make up the referral pool. It will be disbursed every six months as part of the Giveback.

You can increase your portion of the referral pool by referring more people. And the more of them who are approved, the more you’ll get.

The Giveback Pool

The Giveback pool is more complicated to explain. The way they calculate this has changed before, and it may change again.

Basically, this comes from the total profit Barclays makes from the Ring card. Every six months, a portion of the profits may be given back to the community: the Giveback pool. We’ll discuss how this is calculated in the next section.

Every cardholder will get a portion of the Giveback based on her own card activity. An individual cardholder’s Giveback will be based on her statement balances for the last 6 months, added together. The higher the statement balances, the higher the potential Giveback.

So, you can increase your potential Giveback by:

  • Aiming to have a high statement balance every month to maximize your own Giveback portion
  • Paying your bill on time and in full every month to help ensure that the community receives a Giveback at all

If you pay a bill late, that month’s Giveback reward will be donated to charity instead of given to you. And, if your account is not current at the end of a Giveback period, your entire reward will be donated to charity.

Cardholders can also choose to have their Giveback donated to a charity. The community takes a part in choosing which charities will be involved in the program. And Barclays will donate 1 dollar for every dollar donated this way.

There is no way to tell exactly how large or small your Giveback amount might be. But this reward is usually quite a small amount compared to other reward cards.

To maximize your Giveback portion, we recommend that you always pay off your balance in full every billing period. This will prevent any interest or fees from accumulating as well. We recommend this same strategy no matter which card you use. It will always be a sound plan for the health of your credit and finances.

Calculating the Giveback Reward

Barclays calculates the overall Giveback pool available to the community every six months.

The Giveback pool comes from the community profit earned. But the actual amount of Giveback funds available is determined by the overall financial responsibility of the entire Ring community. That reward amount is a proportion of the total amount of unpaid balances for the Ring card community.

As long as the amount of unpaid balances is below 2.25% of all balances when annualized, there will be some amount of Giveback. The Giveback amount could be as high as 2% of the total profit for that period, or perhaps more.

However, if the unpaid balances reach 2.25% or higher, the Giveback amount falls to 0% or below. In that case, there will be no Giveback disbursed. Cardholders will not be charged extra if the Giveback falls below 0%.

To make this calculation Barclays is taking the following factors into account, among others:

  • how often the Ring cards are used
  • the amount of unpaid debt in the community
  • whether bills are paid back on time or not
  • the number of new cardholders recently added, including member referrals
  • program and member servicing expenses
  • the amount spent paying investors and alleviating future risk

This relationship may sound confusing at first. But overall it means that as the Ring community pays its debts, the Giveback reward goes up. As the community accumulates more debt, the Giveback reward goes down. If the unpaid balances are too high throughout the year, there may not be any Giveback awarded at all.

The Giveback profit-sharing program is very different than most reward cards, which tell you upfront how much you can earn in terms of cash back or points. With those cards there is usually no danger of losing out on your rewards, unless you’re irresponsible with it and fail to pay your bills.

This is a simple, innovative way to reward cardholders for financial responsibility. But it also means that each individual will be affected by the behavior of the entire community. Even if you are the image of perfect financial planning, you’ll still be subject to any negative effects from the rest of the Ring community. You can’t control the community’s actions. So if they’re responsible overall, you may benefit. Otherwise, you won’t.

You shouldn’t see the Giveback as a way to earn great credit card rewards. You probably won’t earn a whole lot from it. This isn’t the main selling point of the card, which is the low fees and rates. Instead, it’s probably best to think of the Giveback program as a small bonus that you may or may not get, which won’t matter much either way.

The Giveback Program In Action

Barclays stresses full visibility and accountability, providing annualized reports of key financial statistics. These are supplemented by more frequent blog posts with updates of profits and relevant business news.

Take the 2013–2014 period, for example. Barclay’s annual financial summary reported that revenue was nearly $4.2 million. Expenses were a bit over $3 million. This led to a community profit of over $1.1 million. The report’s infographic also breaks down how the money was made and spent. Most of the revenue (81%) came from interest payments, while most of the expenses (52%) came from unpaid balances.

Barclaycard Ring Revenue and Expenses. Image credit: Barclaycard Ring 2013–2014 Annual Report

It’s interesting to see how much of the revenue came from interest payments. That means many people are using this card to revolve a balance from month to month, taking advantage of the low APRs.

However, they’re still spending a whole lot on interest every year. In this case, it was it was over 3.3 million dollars. With fewer than 30,000 cardmembers total, that means the average member paid over $100 in interest that year. That could be avoided if you pay your balance in full every billing period.

Cardmembers can view reports like this periodically, gaining insight into how the Ring card is being run. They can see how money is being made and spent. And they can see how the actions of the community will affect the amount of Giveback available.

There’s a perfect example of this cause-and-effect in action, too. In 2012 a pair of bankruptcies caused a fairly large reduction in the Giveback rewards. Two cardholders with high credit lines filed for bankruptcy around September 2012. That put the unpaid balances up near 5% of the total balances, much higher than the limit (it was 3% at the time). This meant a reduction of $7,930 from the total Giveback amount, money which otherwise would’ve gone to cardholders.

It might seem surprising that just two people could have such a drastic effect on the entire community. But this is a good illustration of how the Giveback program works. One bad apple, or two, can spoil the whole bunch.

On the other hand, this isn’t really designed to be a rewards credit card. So you shouldn’t expect to get a lot of cash back for your spending. In that light, the Giveback reward program seems more like a potential added benefit, rather than a negative feature.

The Ring Community

The Barclaycard Ring is unique because the cardholders can actually influence the terms of the card. Discussions about card features take place within the forums. Members chime in with their own opinions, and can vote for ideas they like (giving them kudos). The card terms have been changed several times as a result of these discussions.

In 2014, for example, the Ring community voted on two separate issues. The first was to remove the foreign transaction fee (previously 1%) and increase the cash advance fee from $1 to $3 per transaction. This vote passed by a narrow margin, with 52.2% of the community voting for the change.

In the second vote, the community decided to keep the service call center located in the United States. The community was faced with an interesting choice: keeping the center in the U.S. would most likely keep the quality high. But moving the service to another country would reduce operating costs by about $4 per account. In this case, the overwhelming majority (84.4%) voted to keep the calls in the U.S. We think this was a smart move.

It’s possible to see in some detail how Barclays is working to reduce spending and provide better customer service. Even better, you can see how the actions of the cardmembers can affect this. The Ring 2013–2014 annual report showed that more users are choosing to get paperless account statements rather than physical letters sent to them. As a result of these choices, service costs went down by about $40,000.

Later on, in 2015, the community voted to change the card design to something more interesting. After a few initial rounds of voting, they came down to four different design options:

New Barclaycard Ring designs.

Barclaycard Ring designs. Image credit: Barclaycard Ring Blog

The community made their choice, the option at the top-right. And after a few more adjustments to the design, like changing the font, they came up with the card they use today.

Cardmembers have continued to propose improvements, voting up their favorite ideas. As a cardholder, you’ll be able to take part in the debate. If you’ve ever wanted to take a more active role in deciding the features of your credit cards, this is probably the only chance you’ll get.

The Benefits

Community Discussions

Members can start their own conversations in a public forum. Talk about using the card, general finances, or the community itself.

There are currently four discussion categories:

  • Card Basics
  • Community
  • “Track” Talk
  • Financial Health

Community and Financial Tracking

This section provides an overview of the Ring card’s financial performance. It includes a summary of the community’s performance and activity. You can see the card’s profits and losses here, updated monthly.

Information about the Giveback rewards program can also be found here. There are estimates of the Ring card’s potential profits for the year, and what the total Giveback amount is shaping up to be. This is the place to go to see how financially responsible the community is being.

Community Influence and Voting

In the Ideas section, you can submit your own thoughts and opinions about the Ring card. If you have any suggestions for improvement, publish them for the rest of the community to see.

Cardmembers can vote on their favorite proposals together, which will be reviewed by the Barclaycard Ring team. The team will provide feedback and status updates. And the best ideas will be considered for inclusion the next time they revise the terms of the card.

Community Blog

A weekly news blog where cardmembers can find useful information. This is available to everyone, not just Ring cardholders, unlike the other Community benefits listed above.

This is where you’ll find status updates on the Ring card and insight into what Barclays is considering for the future. Financial reports on the success of the Ring card will be published here too. The posts are written by Barclays colleagues, industry experts, guest bloggers, and occasionally Ring members themselves.

Free Access to One of Your FICO® Credit Scores

Easily keep track of one version of your FICO credit score online, and get alerts if it changes. We’re pretty sure that Barclays will use the FICO Score 8 from your TransUnion credit report. If you can confirm this, let us know in the comments.

Many issuers today will offer free access to one of your FICO credit scores. But if you don’t have another way to check your TransUnion score this card is a good option for that.

Chip-and-Signature and Chip-and-Pin Technology

This card has Chip EMV technology for added security when making purchases. That’s unlike many cards issued in the U.S., which only have Chip-and-Signature. The PIN function of this card makes it usable at terminals around the world that only accept PINs and not signatures.

Most countries around the world now use this EMV technology. Many attended checkout terminals will use Chip-and-Signature. But self-service terminals, like those at gas pumps and ticket kiosks, often take extra security measures. They will sometimes require a Chip-and-PIN card.

Insider tip

For other cards with PIN functionality, check out our complete list of PIN-enabled credit cards.

You will be prompted to set a 4-digit PIN when you activate your card, either online or by phone. You should choose something you will easily remember.

Take note that after you set your PIN you will need to activate it. Use your card at a Chip-and-Signature terminal with a cashier. Then sign for your purchase to activate it. This will enable the PIN function, and it will not work until you activate it in this way. If you ever change your PIN later on, you will need to activate it again like this.

If you forget your PIN you can reset it online, or you can call the number on your card and request to have it mailed to you.

Your PIN can also be used to take out cash advances at ATMs. But we do not recommend this because you’ll immediately start accruing interest. If you absolutely have to take out a cash advance, try to pay it back as soon as possible.

Remember to always let Barclays know before traveling abroad. Otherwise they could put a hold on your card for unusual and suspicious use. Read more about EMV technology to learn why this Chip-and-PIN function might be important for you.

Other Benefits

This card will come with some other benefits as well. These include some basic shopping and travel protections, along with zero liability fraud protection. See the Guide to Benefits that came with your card for more details. Or check out the potential benefits online.

The Terms & Fees

Regular Purchase APR Intro Balance Transfer APR Balance Transfer APR Cash Advance APR
13.74% Variable 0% for 12 months, for transfers made during the first 45 days 13.74% Variable 13.74% Variable
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0  0% 3%, $5 minimum for the first 45 days; no fee after that $3
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $27 Up to $27

The Ring card is famous for its low APR of only 13.74% Variable (it used to be even lower, at 8%). The Ring community loves this low APR, it has always been one of their favorite card features. But on the other hand, these extremely low rates are also the reason why the Ring card doesn’t offer rewards. Barclays simply can’t afford to do both at the same time.

This card was recently made better for balance transfers, but only for new cardholders. You’ll get a 12-month 0% intro rate for balance transfers made within the first 45 days, although you’ll end up paying a fee if you transfer durning this period.

Or, if you wait longer than 45 days to make a transfer, you won’t have to pay a fee but the balance will be subject to the regular interest rate.

It’s pretty rare to have a choice like this, and you’ll have to do the math to figure out which deal would be better for you. Would you rather pay a fee to get 12 months at 0% APR, or pay no fee to get a regular balance transfer rate? Most of the time, we suspect the first case would be the more cost-effective option.

Insider tip

For other cards that are great for carrying a balance, see our picks for the best balance transfer credit cards.

Many cardholders use the Ring card to revolve a balance from month to month, paying interest on it as they go. That’s why many people get this card in the first place. However, we recommend always paying your balance in full each billing period. This will prevent interest from accruing on purchases, and it will be better for your credit.

The low cash advance rate may be tempting as well. Most cards have a rate that’s much higher, at least 25%. But we advise never taking out cash advances unless you have an emergency and truly need the money immediately. If you do get a cash advance pay it back as soon as possible. Interest will start accruing as soon as you get the money, which can make this a very expensive option.

People like the fact that the APR is the same for all cardholders, no matter what your credit history is like. Many other cards will offer a range, with a low end and a high end. But with the Ring card, you’ll know exactly what you’re getting if you’re approved.

There are no foreign transaction fees with this card. And this is a great feature when combined with the Chip-and-PIN EMV technology. Together, they let you use this card for no extra charge practically anywhere that accepts credit cards, both inside the U.S. and around the world.

Insider tip

You can check out the full terms and conditions for the Barclaycard Ring yourself.

Customer Support

Phone Support

Barclays Customer Support


1-866-483-3705 (TTY)

Ring cardholders will have access to Barclays regular customer support, which is typically rated fairly well compared to most of the major credit card issuers.

Every year J.D. Power conducts its Credit Card Satisfaction Survey, ranking all the most popular card issuers. Barclays came in fourth out of 11 credit card issuers in 2017, which is about where they usually place. This was just above the industry average.

Web Support

Barclaycard Ring Community

Community Discussion and Blog

As a member of the Ring community you’ll have access to the Ring Community Discussion and Blog, where you can chat with other cardholders and discuss smart financial strategies. You can also contact the Ring team at Barclays with your comments and concerns, and suggest changes to the card terms.

In addition to that, cardholders can contact Barclays customer support by logging in and sending a secure message. Barclays customer service tends to respond quickly, in many cases on the same day.

The Bottom Line

The Barclaycard Ring Mastercard is an innovation, an experiment in giving cardholders a stake in their own success or failure. If you’re willing to throw in your lot with the other cardmembers, you can apply to be part of this adventure.

This means that you’ll benefit when the community does well, but you’ll also lose out on rewards when people are less responsible. This won’t be the right card for you if you want to earn rewards when shopping.

But, if you’re looking for a card with very low APRs and fees, this one might fit the bill. Many people use this card for balance transfers. Or, to carry a balance from month to month at the low interest rate.

Keep in mind that you’ll only get the 12-month 0% rate for balance transfers made within the first 45 days of card ownership. And there will be a 3% fee for that transfer.

Or, if you wait more than 45 days to make the transfer you’ll end up getting a higher interest rate but no transfer fee. You’ll have to figure out which deal would be better for you.

The Ring card is quite interesting. It’s all about two-way communication between the cardholders and the card issuer. If the idea of taking an active stance in this relationship sounds exciting to you, this might be a card to strongly consider.

It won’t be right for everyone, but if you want to take part in a very different kind of credit card experience you can give it a try. For no annual fee, there’s no harm as long as you always avoid incurring interest charges. Or, take a look at some alternatives to the Barclaycard Ring Mastercard below.

How to Apply for the Barclaycard Ring Mastercard

Want to apply for this card or learn more? Just click the Apply Now button below.

You’ll be taken to the Barclaycard Ring website to apply. Input your personal information, and you should usually get a response back quickly.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal identifying information, including SSN, email address, and phone number
  • Total annual income, and source of income
  • Monthly mortgage/rent payment
Barclaycard Ring™ Mastercard®
  • Min. credit levelExcellent
  • Annual Fee$0
  • Purchase APR13.74% Variable

Alternatives to the Barclaycard Ring Mastercard

The Barclaycard Ring is a pretty basic credit card that people often use to pay off balances at a low rate. So here are some other options that let you do that as well. Plus you’ll find comparisons with some simple cards that offer cash back when you shop.

Apply Now

securely on the issuer's website

Citi Simplicity® Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% for 12 months, then 14.74% - 24.74% (Variable)

Citi is a Credit Card Insider advertiser.

Apply Now

securely on the issuer's website

Blue Cash Everyday® Card from American Express
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR0% on purchases for 15 months, then 13.99% - 23.99% Variable

Rates & Fees

American Express is a Credit Card Insider advertiser.

Insider tip

There’s an upgraded version of the Blue Cash card, the Blue Cash Preferred® Card from American Express (Review). This card has an annual fee ($0 introductory annual fee for the first year, then $95 (Rates & Fees)), but it has a much higher earning potential:

  • 6% cash back at U.S. supermarkets (up to $6,000, then 1%) and on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit
  • 1% cash back on all other purchases
  • Introductory bonus: $300 statement credit for spending $3,000 in the first 6 months

The Preferred version of the card only provides 12 months at 0% APR for purchases, before the regular rate of 13.99% - 23.99% Variable. So you’ll be paying an annual fee (Rates & Fees), but getting a bit less time compared to the Everyday version. Other than that, these cards are pretty much the same.

Apply Now

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Citi® Double Cash Card - 18 month BT offer
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  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR13.99% – 23.99% (Variable)

Citi is a Credit Card Insider advertiser.

Barclaycard Ring™ Mastercard®
  • Min. credit levelExcellent
  • Annual Fee$0
  • Purchase APR13.74% Variable

For some other cards that are good for carrying a balance, check out the Best 0% Intro APR Credit Cards.

How do you like your Barclaycard Ring Mastercard? Leave your own review of the Barclaycard Ring, we’d love to hear from you!

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For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

Do you have a correction, tip, or suggestion for a new post? Contact us here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

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