Am I eligible?
To get this card, you must also:
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...
- Kailey Fralick, CardcruncherThe 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. If you want to earn rewards and pay down your debt at the same time, l...
- CardcruncherThe Barclaycard Ring® Mastercard® is a smart choice for paying down credit card debt. It offers an introductory APR of 0% for 15 months on balance transfers, then 14.24%. The card’s standard APR is one of the most affordable among balance transfer credit cards. The major downside to this card is its...
- Brian Martucci, Money CrashersUndoubtedly 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.
- Andy Shuman, CreditCards.comThe 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.
- Taylor Tepper, The WirecutterThe 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.
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 |
| Virtual Cards | 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 |
| Suggest a correction |
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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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