Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

on Barclays's secure website

Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

on Barclays's secure website

Card details

  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply

  • Low 13.74% variable APR on purchases and cash advances

  • No annual fee

  • No foreign transaction fees

  • International Chip and PIN

  • View Rates and Fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening

  • Ongoing Apr

    APR: 13.74% Variable APR

    Cash Advance APR: 13.74%, Variable

  • Balance Transfer Fee

    Balance Transfers that post to the account within 45 days of account opening: Either $5 or 3% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0

  • Foreign Transaction Fee

    None

Recommended credit score

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NerdWallet Review

By Claire Tsosie

Rating Details

4.5

Editor's overall rating

Pros and Cons

Pros
  • No annual fee

  • 0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening

  • No foreign transaction fee

Cons
  • No rewards

Most credit cards don’t let you have a say on new features, but the Barclaycard Ring® Mastercard® is different. If you're a cardholder, you can share ideas for improvements online and vote on ideas submitted by others. And in lieu of traditional rewards, the issuer shares its estimated profits among cardholders. This card could also save you plenty if you tend to carry a balance: 0% on Balance Transfers for 12 months on balance transfers made within 45 days of account opening, and then the ongoing APR of 13.74% Variable APR. Balance transfers that post to the account within 45 days of account opening come with a fee of 3% of the amount of the transfer (minimum $5). Balance transfers that post to the account after 45 days of account opening incur no transfer fee.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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