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.
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 May 24, 2023
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.
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Intro BT APR
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Regular Purchase & BT APR
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Balance Transfer APR
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