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Barclaycard Ring® Mastercard®

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

Barclaycard Ring® Mastercard® Summary

  • See Rates & Fees

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply

  • Low 13.99% variable APR on purchases and cash advances

  • No annual fee

  • No foreign transaction fees

  • International Chip and PIN

Creditnet's Full Review

The Barclaycard Ring® Mastercard® is a no interest on balance transfers 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 have a low, variable APR on purchases and balance transfers.  Plus, you'll pay No annual fee, a low APR on purchases, and 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply.  In terms of balance transfer fees, Balance Transfers that post to the account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0.  

Should you need a cash advance, you'll pay a set $3 for each cash advance and pay the same low APR as purchases.

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 December 7, 2018

Expert Rating: 4.75 / 5 stars
Favorite Card Features:

One of the best 0% interest credit card offers on the market.  Pay 0% interest on balance transfers executed within 45 days and a low APR on purchases.

Least Favorite Features:

Still trying to think of one...


Our Final Take:

For consumers most interested in a no interest credit card for balance transfers and low interest on purchases, this is one of the best cards on the market.  This card serves its purpose well as a low 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: N/A Credit Required: Good/Excellent
Intro Period: N/A 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: 15 months
Ongoing APR: 13.99% Variable
Transfer Fee: Either $5 or 2% of the amount of each transfer, whichever is greater.

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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