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Barclaycard Ring™ Mastercard®

Intro APR
Regular APR
13.99% Variable
Balance Transfer
0% for 15 months
Transfer within 45 days of opening account
Expert Rating: 4.75 / 5 stars

Barclaycard Ring™ Mastercard® Summary

  • 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, 13.99%

  • 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

Creditnet's Full Review

The Barclaycard Ring™ Mastercard® is a low-APR Mastercard designed by the person that knows your finances best – you!  Your voice counts in the Barclaycard Ring Community because you'll be able to share your opinions and ideas on card features and vote to make them permanent.

With this versatile card, you choose your own card features and enjoy 0% interest on purchases and balance transfers for the first 15 months!  After that, you'll have a low, variable APR on purchases and balance transfers.  Plus, you'll pay No annual fee, and there's no transaction fee to transfer balances from your existing credit cards to your new Barclaycard Ring™ Mastercard®.  Should you need a cash advance, you'll pay a set $3 for each cash advance and pay the same APR as purchases and balance transfers.

You'll also earn rewards through the brand-new Giveback program, where Barclaycard Ring cardholders receive cash back for positive performance based on community estimated profits. You'll have exclusive access to the Barclaycard Ring™ Mastercard® online community, where you can learn more about personal finance from Barclaycard AND other card members!

The Barclaycard Ring™ Mastercard® is also one of the few cards that offers free access to your FICO® credit score.


Creditnet's Expert Rating & Review

by on July 18, 2017

Expert Rating: 4.75 / 5 stars
Favorite Card Features:

One of the best no interest credit card offers on the market: 0% on purchases and balance transfers for 15 months! We also like seeing our FICO® credit score for free!


Least Favorite Features:

Still trying to think of one...


Our Final Take:

For consumers most interested in a no interest credit cards for purchases and/or balance transfers, this is one of the best cards on the market.  This card serves its purpose well as a no interest credit card but still has a nice rewards program to go with it.  We highly recommend the Barclaycard Ring™ Mastercard® to consumers with good credit.

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

Purchase Rates
Intro APR: 0% Credit Required: excellent
Intro Period: 15 months Set Up Fee N/A*
Ongoing APR: 13.99% Variable Annual Fee $0.00
Penalty APR: N/A
Balance Transfer
Intro APR✝: 0%
Intro Period: 0% for 15 months
Ongoing APR: 13.99%
Transfer Fee: 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening

User Reviews

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Based on 1 review

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Barclaycard Ring- No Annual Fee and No BT Fee

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Average: 5 (1 vote)
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Anonymous Would recommend to a friend.
Helpful to 0 out of 0 people
Reviewed on: Sun, 2016-04-03 09:34
Was on the hunt for a no annual fee card that also had no BT fees.  This was the perfect fit, and I was approved quickly with a sizable limit.  Never tried Barclaycard before, but I've got high hopes for this card.
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