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