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Barclaycard Ring MasterCard

Barclaycard Ring MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
14.24%
Balance Transfer
14.24% (0% for the first 15 months)
Rewards
-
Signup Bonus
-


7.7/10
Informr score
The Barclaycard Ring MasterCard currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Barclaycard Ring MasterCard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money Crashers

Undoubtedly an unusual credit card. After all, it’s one of the first major cards with democratic governance written into its DNA, and certainly the first to incorporate social media in any form. 

- Brian Martucci, Money Crashers
Cardcruncher

The Barclaycard Ring® Mastercard® is an excellent option for paying down credit card debt. Its balance transfer fees and standard APR are lower than most other balance transfer credit cards, but this comes at the cost of rewards.

- Kailey Fralick, Cardcruncher
CreditCards.com

The Barclaycard Ring Mastercard features a long 15-month introductory period for balance transfers, plus very reasonable fees and a relatively low regular APR once your introductory period expires.

- Andy Shuman, CreditCards.com
The Wirecutter

The Barclaycard Ring Mastercard can save you a lot of money if you need a few years to fully repay your debt. It also won’t revoke the intro 0% period if you happen to miss a payment.

- Taylor Tepper, The Wirecutter
Business Insider

The simplicity, low cost, and benefits of this card make it a great option for anyone who wants to keep their costs as low as possible when dealing with credit. And if you don't like a feature or want to see something new, you get access to send card suggestions to community managers responsible for...

- Eric Rosenberg, Business Insider

Details


Interest Rates
Regular APR Interest Rate 14.24%

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.24% (0% for the first 15 months)

- Intro rate applies on balances transferred within the first 45 days of account opening.

- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 14.24%

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00

$5 or 2% of the amount of each transfer, whichever is greater, for balances transferred within the first 45 days of account opening.

Cash Advance Fee $3.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $27.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Additional Benefits

- Free online access to FICO Credit Score

- Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Money Crashers

Very favorable interest rate terms

from Money Crashers

Undoubtedly an unusual credit card. After all, it’s one of the first major cards with democratic governance written into its DNA, and certainly the first to incorporate social media in any form. 

Read full review

Undoubtedly an unusual credit card. After all, it’s one of the first major cards with democratic governance written into its DNA, and certainly the first to incorporate social media in any form. 

Read full review

Less

Cardcruncher

Great for paying down debt, but no rewards

from Cardcruncher

The Barclaycard Ring® Mastercard® is an excellent option for paying down credit card debt. Its balance transfer fees and standard APR are lower than most other balance transfer credit cards, but this comes at the cost of rewards.

Read full review

The Barclaycard Ring® Mastercard® is an excellent option for paying down credit card debt. Its balance transfer fees and standard APR are lower than most other balance transfer credit cards, but this comes at the cost of rewards.

Read full review

Less

CreditCards.com

Low APR on this card is not sufficient to recommend it over other cards

from CreditCards.com

The Barclaycard Ring Mastercard features a long 15-month introductory period for balance transfers, plus very reasonable fees and a relatively low regular APR once your introductory period expires.

Read full review

The Barclaycard Ring Mastercard features a long 15-month introductory period for balance transfers, plus very reasonable fees and a relatively low regular APR once your introductory period expires.

Read full review

Less

The Wirecutter

Best for paying off your balance over time

from The Wirecutter

The Barclaycard Ring Mastercard can save you a lot of money if you need a few years to fully repay your debt. It also won’t revoke the intro 0% period if you happen to miss a payment.

Read full review

The Barclaycard Ring Mastercard can save you a lot of money if you need a few years to fully repay your debt. It also won’t revoke the intro 0% period if you happen to miss a payment.

Read full review

Less

Business Insider

One of the best low-interest cards

from Business Insider

The simplicity, low cost, and benefits of this card make it a great option for anyone who wants to keep their costs as low as possible when dealing with credit. And if you don't like a feature or want to see something new, you get access to send card suggestions to community managers responsible...More

The simplicity, low cost, and benefits of this card make it a great option for anyone who wants to keep their costs as low as possible when dealing with credit. And if you don't like a feature or want to see something new, you get access to send card suggestions to community managers responsible for the Ring credit card. That is exactly how this card became so great to begin with!

Read full review

Less

The Ascent

A low-interest card with minimal fees

from The Ascent

Offers one of the lowest ongoing interest rates we've come across, making it a good option if you've got some debt and want to pay less interest. It's also one of the few remaining cards on the market with a balance transfer fee waiver on transfers made after 45 days.

Read full review

Offers one of the lowest ongoing interest rates we've come across, making it a good option if you've got some debt and want to pay less interest. It's also one of the few remaining cards on the market with a balance transfer fee waiver on transfers made after 45 days.

Read full review

Less

NerdWallet

A low-interest credit card that listens to you

from NerdWallet

Designed for a very specific person in mind: someone who plans to carry credit card debt long-term, wants an issuer that listens, and has excellent credit. If you’re that person, the card is a good match.

Read full review

Designed for a very specific person in mind: someone who plans to carry credit card debt long-term, wants an issuer that listens, and has excellent credit. If you’re that person, the card is a good match.

Read full review

Less

SmartAsset

A straightforward card with almost no fees

from SmartAsset

The Barclaycard Ring Mastercard is a straightforward credit card that lets responsible users avoid some of the fees and high interest charges that accompany many credit cards. It has a competitive 13.74% Variable APR.

Read full review

The Barclaycard Ring Mastercard is a straightforward credit card that lets responsible users avoid some of the fees and high interest charges that accompany many credit cards. It has a competitive 13.74% Variable APR.

Read full review

Less

Credit Card Insider

Stands out among credit cards

from Credit Card Insider

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.

Read full review

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.

Read full review

Less

Wise Bread

Aims to bring cardmembers and banks closer together

from Wise Bread

A great card for people who want a straightforward credit card with low fees for a balance transfer and attractive APR. This card should also appeal to consumers who enjoy giving feedback and having their feedback count for something.

Read full review

A great card for people who want a straightforward credit card with low fees for a balance transfer and attractive APR. This card should also appeal to consumers who enjoy giving feedback and having their feedback count for something.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.