Credit Recommended:
Excellent Credit

Barclaycard Ring™ Mastercard®

Card Holder Rating:
Intro Purchase APR
15 months
Intro Balance Trans. APR
15 months (on balance transfers made within 45 days of account opening)
Annual Fee
Card Features
  • 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, 13.49%
  • 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
Editor’s Review

When you receive this credit card, you become part of a community comprised of other cardholders. When a change to the card terms or the addition of a new feature is considered, community members are given an opportunity to vote on the change. This unique system lets you help shape the card into what you want it to be and seems to be working: cardholders do not pay foreign transaction fees when traveling because they voted against it.

Another perk of owning this card is that community members share in the profits. The
Barclaycard Ring MasterCard employs the Giveback program, which shares some of the card issuer’s profits with cardholders. It’s like getting cashback on every transaction you and your fellow cardholders make. You may use your Giveback payment yourself or choose to donate the money to a charity.

You would think that perks like this came with a heavy price tag, but they don’t. The interest rate on the Barclaycard Ring MasterCard is astonishingly low and there is no annual fee. Taking advantage of the low interest rate is a breeze as there is no charge for balance transfers either. This card makes it easy to swing your debt to a card with a much lower interest rate.

The Barclaycard Ring MasterCard also makes it easy to manage your credit. Cardholders are granted free online access to their FICO scores, so making sure your good credit stays on track is simple and convenient. You’ll also be able to manage your account and easily make payments online, so you can log in and manage your account from anywhere.

If you’re looking to get a credit card, it makes sense to go with one that has been honored with several awards. The Barclaycard Ring MasterCard has done just that, and has been recognized for its innovation as well as its ease of foreign use, among other things. Apply today and have a say in your credit card terms.