Barclaycard Ring MasterCard® - Keep it Simple With a Low APR

intro purchase APR 0% for 15 monthsregular APR13.99% Variable
intro BT APR 0% for 15 months no BT fee
excellent required

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%

No annual fee

No balance transfer fees

No foreign transaction fees

Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Free online access to FICO® Credit Score

Editors Review

Very uncommon community-built credit card from Barclaycard bank with low APR


  • No annual fee
  • No balance transfer fee
  • 0% introductory purchase APR and balance transfer offer for 15 months
  • no balance transfer fee with 0% intro balance transfer APR offer for 15 months make it a perfect balance transfer card
  • No penalty APR
  • Giveback program that allows you to get a share of the overall total profits of the program – not very transparent feature in comparison to regular rewards programs.


  • No rewards program
  • No sign-up bonus


Very simple rules for people who occasionally carry a balance and care about low ongoing APR. After the card rewamp it is now also a perfect balance transfer card - with 15 months 0% BT APR and no BT fee. No tricks, no gimmicks, but no rewards. The card is following the latest trend for the card with a low APR and less marketing bells and whistles. Another card with low APR is a BoA Americard with 11.49% minimum APR.

The Giveback program is not very transparent and easy to understand so we think it cannot be considered as a substitution to the rewards programs.

Last updated: 07/07/2017

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