Barclaycard Ring MasterCard® - Keep it Simple With a Low APR
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
Very uncommon community-built credit card from Barclaycard bank with low APR
- 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.
- No rewards program
- No sign-up bonus
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.
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