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Barclaycard Ring™ Mastercard®

in Personal Credit Cards

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Barclaycard Ring™ Mastercard®

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Barclaycard Ring™ Mastercard® is a credit card issued by Barclays, which is based in Wilmington, DE. 

Barclaycard Ring™ Mastercard® is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Barclaycard Ring™ Mastercard® has a variable purchase APR starting at 13.74%.

The card has a variable balance transfer APR of up to 13.74%.

It also has a variable cash advance APR starting at 13.74%.

Is an introductory APR offer available?

No, Barclaycard Ring™ Mastercard® does not come with an introductory APR offer for balance transfers.

Barclaycard Ring™ Mastercard® does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Barclaycard Ring™ Mastercard®:

  • There is no annual fee.
  • A late payment penalty of $27.
  • A returned payment fee of $27.
  • There is no overlimit fee
  • There are no foreign transaction fees.

Is a rewards program offered?

No, Barclaycard Ring™ Mastercard® does not offer a rewards program.

Is a signup bonus offered?

Barclaycard Ring™ Mastercard® doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Barclaycard Ring™ Mastercard® doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Barclaycard Ring™ Mastercard® provides the following benefits:

  • Free Credit Score
  • Fraud Liability
  • Free Credit Report
  • Reports to major credit bureaus

Does Barclaycard Ring™ Mastercard® report your account activity to credit bureaus?

Barclaycard Ring™ Mastercard® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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.
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Contact

  • Headquarters
  • 125 South West Street
    Wilmington, DE 19801 USA
  • Visit Site

Message from Barclays

We’re Barclays US, backed by Barclays, a transatlantic consumer and wholesale bank with global reach. We have deep roots. We may not have branches, but we’re part of a network of 85,000 people strong who move, lend, invest and protect money for customers and clients across 40 countries. In the U.S. market, we collaborate with over 25 top companies to deliver an array of consumer and small business credit card programs to fit any lifestyle.

Availability

Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days)
23
Over-Limit Fee
$0
Annual Fee
$0
Foreign Currency Transaction Fee
0%
No Annual Fee
No Foreign Transaction Fee
Late Payment Penalty
$27
Returned Payment Fee
$27
Minimum Interest Charge
$0.50
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Fraud Liability
Free FICO Score
Credit Card Benefits
  • Fraud Liability
  • Free Credit Report
  • Free Credit Score
  • Identity Theft Protection
Purchase APR
(Variable APR)
Starting at
13.74%
Cash Advance APR
(Variable APR)
Starting at
13.74%
Balance Computation
daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
Up to
13.74%
Transfer Fee
$5 or 2%
Transfer Fee %
2%
Transfer Fee Minimum
$5

Reviews

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