Advertiser Disclosure

Barclaycard Ring™ Mastercard®

Apply Nowon Barclaycard’s secure website.
Apply Nowon Barclaycard’s secure website.

Barclaycard Ring™ Mastercard®

Apply Nowon Barclaycard’s secure website.
Apply Nowon Barclaycard’s secure website.

Card details

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

APR, Variable

APR: 13.49% Variable APR

Cash Advance APR: 13.49%, Variable

Pros

  • No annual fee
  • 0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening)
  • No foreign transaction fee

Cons

  • No rewards
  • Needs excellent credit

Rewards rate

0.00%

Annual fee

$0

Intro APR

0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening)

Recommended credit score

Nerdwallet Review

Author: Claire Tsosie

A rare combination of features makes the Barclaycard Ring™ Mastercard® one of the most valuable balance transfer credit cards available. It has:
  • A $0 annual fee.
  • No balance transfer fees.
  • A 0% APR promotion: 0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening), and then the ongoing APR of 13.49% Variable APR.
With these benefits, you can avoid spending even a penny on interest and fees while you're paying down credit card debt. The card also boasts a tight-knit online community, where cardholders can vote on new features.

Like most balance transfer cards, the Barclaycard Ring™ Mastercard® doesn’t come with a splashy sign-up bonus. But if you're looking for a cost-effective way to pay down high-interest credit card debt, this card should be at the top of your list.

Learn more in our full review.

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