Barclaycard Ring MasterCard® - keep it simple with 8.25% APR

Apply for the card on a issuer's secure site
at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR8.25% Variable
intro BT APR 8.25% no BT fee

No Balance Transfer Fees - start saving immediately!

A low variable APR on balance transfers and purchases

No Annual Fee

Choose your card benefits and features

Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance

Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online

Learn more about personal finance from Barclaycard and other members

Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account

Editors Review

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

Pros

  • No annual fee
  • No balance transfer fee
  • Main advantage of the card - very low 8.25% APR (about half of the national average)    
  • 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 and no rewards. The card is issued within a latest trend for the card with a low APR and less marketing bells and whistles. Another card of with low APR is a BoA Americard with 11.24% APR.

The Giveback program is not very transparent and cannot be considered as a substitution to the rewards programs.

Last updated: 07/24/2016









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