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.