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Barclaycard Ring® Mastercard®
Barclaycard Ring® Mastercard® Review
If you're looking to save money with a balance transfer, this card is one of the best options. The lack of fees for balance transfers that post to the account after 45 days of account opening makes it a great choice for anyone that wants a simple credit card with no suprises
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Barclaycard Ring® Mastercard®
SIGN-UP BONUS
N/A
REWARDS RATE
N/A
Introductory APR
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply.
Rates & Fees
No Annual Fee & No Foreign Fees
Regular Purchase APR
14.24% Variable
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
- Low 14.24% variable APR on purchases and cash advances
- NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
- No annual fee
- No foreign transaction fees
- International Chip and PIN
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Jul 22, 2024
This card from Barclaycard was designed to be different from all other cards, by giving the card holder a “voice.” The Barclaycard Ring® Mastercard® combines social media, online banking and financial education where community members can get involved in discussions and even vote on credit card benefits. This is not a rewards credit card, but if offers one of the most competitive balance transfer offers on the market.
Cardholders will enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply. That ongoing rate is pretty low compared to some of the competition. What really makes this card stand out is the lack of fees. There's no annual fee, no balance transfer fees for balance transfers that post to the account after 45 days of account opening and no foreign transaction fee.
Overall, the Barclaycard Ring® Mastercard® is a leading credit card for low interest on purchases and saving money on balance transfers. With such low interest rates and few fees, you can't go wrong!
The Good
- With the intro APR on balance transfers and lack of fees, this card is perfect for consumers looking to escape high credit card interest rates.
The Not So Good
- Since this card doesn't have a rewards program built in, you won't earn any cash back or travel miles on your spending.
The Bottom Line
If you're looking to save money with a balance transfer, this card is one of the best options. The lack of fees for balance transfers that post to the account after 45 days of account opening makes it a great choice for anyone that wants a simple credit card with no suprises
Editorial Note: This content is not provided by Barclays. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Barclays.
Related Card Offers
Apply Now
on Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
See Our Review
Apply Now
on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 17.49% - 26.49% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
17.49% - 26.49% Variable APR
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Apply Now
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
17.49% - 27.49% (Variable)
See Our Review
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.