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  Barclaycard Ring® Mastercard®

Out of Business

Barclaycard Ring® Mastercard®

in Personal Credit Cards from Barclays Bank

Out of Business

Barclaycard Ring® Mastercard®

in Personal Credit Cards from Barclays Bank

Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
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Highlights
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Community Rating

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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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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 and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Free access to your credit score.
  • No foreign transaction fee.
  • Barclaycard Ring® Mastercard® reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.

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 Score
  • Zero fraud liability
  • 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.

Barclaycard Ring® Mastercard® Balance Transfers
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.
Barclaycard Ring® Mastercard® Purchase Intro Offer
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
Barclaycard Ring® Mastercard® Fees
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?

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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View all personal credit cards offered by Barclays Bank

Message From Barclays Bank

  • 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

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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Report
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Rewards Type Points
Cash Advance APR (Variable APR) 13.74%
Balance Computation daily balance (including new purchases)
Purchase APR (Variable APR) 13.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 13.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 2%

Barclaycard Ring® Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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