Barclaycard Ring® Mastercard® is a low interest credit card which offers a 0% intro APR for 15 months on balance transfers made within 45 days of account opening followed by an ongoing 13.99% variable APR on purchases, balance transfers and cash advances. This low ongoing APR is unique in and of itself. Just keep in mind that balance transfers made within the first 45 days of account opening have a balance transfer fee of either $5 or 2% of the amount of each transfer, whichever is greater. Balance transfers made after those 45 days will not have any balance transfer fees. Although this credit card does not come with a rewards or cash back program, you can expect to save some money if you spend in foreign currencies quite often or if you have a balance to transfer. This card also has no annual fee.

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Barclaycard Ring<sup>®</sup> Mastercard<sup>®</sup>

Barclaycard Ring® Mastercard®

APPLY NOWAt Barclays' secure website
  • A low, variable APR on purchases, balance transfers and cash advances.
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees
APPLY NOWAt Barclays' secure website

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

13.99% Variable

$0

Why we like it
  • A low, variable APR on purchases, balance transfers and cash advances.
Good/Excellent

Here, GET.com provides answers to key questions about how Barclaycard Ring® Mastercard® works and what it offers.

Apply for Barclaycard Ring® Mastercard® at the official Barclays website

Frequently Asked Questions About Barclaycard Ring® Mastercard®
How does this card help me pay off debt?
Do I pay to transfer balances to this card?
Do I earn rewards or cash back when I use this card?
Do I get any special benefits from this card?
Do I pay to use this credit card?
Is there a penalty if I pay late?
Is this card good for taking cash out of the ATM?
Do I get access to my credit score?
Can I get this card even if I have bad credit?
Who is this card for?

Questions And Answers For Barclaycard Ring® Mastercard®

Question: How does this card help me pay off debt?

Answer: Although Barclaycard Ring® Mastercard® does not make your existing credit card debt go away on its own, it can help you avoid getting deeper into debt since it offers a 0% intro APR for 15 months on balance transfers made within 45 days of account opening followed by a low, ongoing 13.99% variable APR on purchases, balance transfers and cash advances. Just keep in mind that it has a balance transfer fee of either $5 or 2% of the amount of each transfer, whichever is greater, on all balance transfers made within 45 days of account opening. Balance transfers made after the first 45 days of account opening will have $0 balance transfer fees.

By transferring your existing balances to Barclaycard Ring® Mastercard®, you can buy extra time to pay off your balances from other credit cards with the intro APR offer. This is helpful as it prevents you from chalking up even more debt due to hefty interest charges.

Question: Do I pay to transfer balances to this card?

Answer: Barclaycard Ring® Mastercard® has a balance transfer fee of either $5 or 2% of the amount of each transfer, whichever is greater, for all balance transfers made within the first 45 days of having this card. After those 45 days, there are no balance transfer fees. You can also save money on balance transfers since it comes with a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. The ongoing 13.99% variable APR on balance transfers is quite low, so you will save money on interest even if you pay off your balance after the intro APR period is over.

Question: Do I earn rewards or cash back when I use this card?

Answer: Unfortunately, the answer is no. Barclaycard Ring® Mastercard® does not let you earn rewards points, air miles or cash back when you use your card to make purchases.

Question: Do I get any special benefits from this card?

Answer: If you travel abroad quite regularly or if you make purchases in foreign currencies frequently, the amount of money you can expect to save on foreign transaction fees can be significant as Barclaycard Ring® Mastercard® has no foreign transaction fees. Credit cards that typically come with such a fee usually charge 3% for each transaction made in a currency other than US dollars. So for example, if you were to spend $5,000 when travelling out of the US with a card that charged a 3% foreign transaction fee, you'd be paying $150 in foreign transaction fees. With Barclaycard Ring® Mastercard® you'd be avoiding those fees when making purchases in foreign currencies - this makes it a good card to reach for while you're travelling or shopping online in a foreign currency.

This card also comes with chip technology which helps keep your transactions more secure at chip-card terminals in the US and abroad as it reduces the chances of fraudulent transactions.

Question: Do I pay to use this credit card?

Answer: No, you do not need to pay to use Barclaycard Ring® Mastercard® as it has no annual fee.

Question: Is there a penalty if I pay late?

Answer: Yes, a late payment fee of up to $27 will apply if you do not make your payment on time.

Question: Is this card good for taking cash out of the ATM?

Answer: This credit card comes with a 13.99% variable cash advance APR. Also, there is a fee of $3 for each cash advance. While it has a 13.99% variable cash advance APR, it is quite a bit lower than what many other credit cards on the market are offering credit card users. That said, you still might want to use a different card with no cash advance APR or fees to save money when taking cash out of the ATM.

Question: Do I get access to my credit score?

Answer: Yes, Barclaycard Ring® Mastercard® offers you free online access to your FICO® Credit Score. This makes it easy for you to monitor and keep track of your credit.

Question: Can I get this card even if I have bad credit?

Answer: No, {{CNAME}} is only available to people with good/excellent credit. If you do not have good/excellent credit, you should not apply for this card at all because being rejected may hurt your credit further.

Question: Who is this card for?

Answer: Barclaycard Ring® Mastercard® is a no annual fee card that is great for people who are looking to transfer a balance since it has a 0% intro APR for 15 months on balance transfers made within 45 days of account opening followed by a low 13.99% variable APR on purchases, balance transfers and cash advances. Barclaycard Ring® Mastercard® could be the card for you if you tend to carry a balance or if you need to transfer existing balances from other cards and want to enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Although this credit card does not give you opportunities to earn rewards on your purchases, this basic credit card does help you save money on foreign transaction fees - a fee that can easily add up if you travel and make purchases outside of the United States regularly or if you make purchases in foreign currencies online frequently.

More about Barclaycard Ring® Mastercard®:
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