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19 reviews
| 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
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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. |
This 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 review will provide you with with all the details you need 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 2% on balance transfers. For example, a balance of $1,000 could cost $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 identity theft protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Barclaycard Ring® Mastercard®
| The Good | The Bad |
|---|---|
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Barclaycard Ring® Mastercard® FAQ
Does Barclaycard Ring® Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Barclaycard Ring® Mastercard® benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Free Credit Report.
- Free Credit Report
- Reports to major credit bureaus
What are the relevant APRs for Barclaycard Ring® Mastercard®?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 13.74% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 2% |
Does Barclaycard Ring® Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Barclaycard Ring® Mastercard®?
The following fees apply:
- 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 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Barclaycard Ring® Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Barclaycard Ring® Mastercard®?
The support contact email for Barclaycard Ring® Mastercard® is online@barclaysus.com.
How do people rate the customer service and user experience of Barclaycard Ring® Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Message From Barclaycard Ring® Mastercard®
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 - Visit Site
- Email Support
Other Services by Barclays Bank
View all personal credit cards offered by Barclays Bank
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
| 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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