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

intro purchase APR N/Aregular APR10.24% Variable
intro BT APR N/A no BT fee
excellent required

A low, variable APR on purchases, balance transfers, and cash advances

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

Pros

  • No annual fee
  • No balance transfer fee
  • 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.

Cons

  • No rewards program
  • No sign-up bonus

Verdict

Very simple rules for people who occasionally carry a balance and care about low ongoing APR. 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: 04/02/2018









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