Out of Business
Barclaycard Ring® Mastercard®
in Personal Credit Cards from Barclays Bank
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 13.74% |
| Balance Transfer APR (Variable APR) | 13.74% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Barclaycard Ring® Mastercard® Review
|
Barclaycard Ring® Mastercard® is no longer available to new customers on SuperMoney. Click here to compare Personal Credit Cards and quickly find the best options for your needs. |
Barclaycard Ring® Mastercard® is a credit card issued by Barclays Bank. If you're wondering whether Barclaycard Ring® Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Barclaycard Ring® Mastercard® has a variable purchase APR of 13.74%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 2% Balance transfer fee. Barclaycard Ring® Mastercard® charges a fee of up to 2% on balance transfers. For example, a balance of $1,000 could cost up to $20 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
Barclaycard Ring® Mastercard® Pros & Cons
| The Good | The Bad |
|---|---|
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Barclaycard Ring® Mastercard® FAQ
Is there a Barclaycard Ring® Mastercard® cash back or rewards program?
No, Barclaycard Ring® Mastercard® does not offer a rewards program.
What are the Barclaycard Ring® Mastercard® benefits?
Barclaycard Ring® Mastercard® provides the following benefits:
- Free Credit Report.
- Free Credit Report
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Barclaycard Ring® Mastercard®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Barclaycard Ring® Mastercard® has lower than average purchase APRs.Barclaycard Ring® Mastercard® has a variable purchase APR of 13.74%. The card has a variable balance transfer APR of 13.74% . It also has a variable cash advance APR of 13.74% .
Does Barclaycard Ring® Mastercard® have an introductory APR offer on balance transfers?
Yes, Barclaycard Ring® Mastercard® offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 13.74% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 2% |
| Balance Transfer Fee Minimum | $5 |
Does Barclaycard Ring® Mastercard® have an introductory APR offer on new purchases?
Barclaycard Ring® Mastercard® does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Barclaycard Ring® Mastercard®?
The following fees apply to Barclaycard Ring® Mastercard®:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $27 |
| Late Payment Fee | $27 |
Does Barclaycard Ring® Mastercard® have a foreign transaction fee?
Barclaycard Ring® Mastercard® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does Barclaycard Ring® Mastercard® report your account activity to credit bureaus?
Yes, Barclaycard Ring® Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
- Innovis
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Barclaycard Ring® Mastercard®
- Visit the Barclaycard Ring® Mastercard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Barclaycard Ring® Mastercard® Disclosure:
Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, other costs, and benefits associated with the use of the credit card program, please see the Terms and Conditions.
Annual Fee: $0. For purchases and balance transfers, the variable APR is 10.49% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 10.49%. The APRs on your account will vary with the market based on the Prime Rate. The minimum monthly interest charge will be $0.50. Balance transfer fee: $0. Cash advance and cash equivalent fees: $3. Foreign transaction fee: 0%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the “About the Variable APRs on Your Account” section of the Terms and Conditions. See Terms and Conditions for information about the terms of this offer. The Barclaycard Ring Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. View Barclaycard Ring® Mastercard®'s published terms & conditions.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 - Visit Site
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
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- Delaware
- Washington, DC
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- Hawaii
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Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Paper Statement Fee | $0 |
| Minimum Cash Advance Fee ($) | $3 |
| Minimum Interest Charge | $0.50 |
| Returned Payment Fee | $27 |
| Late Fee Amount | $27 |
Barclaycard Ring® Mastercard® Community Reviews
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