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Barclaycard Ring® Mastercard®

Barclaycard Ring Mastercard card

0% intro APR

for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply1

Enjoy a low APR

on purchases and cash advances1

No foreign transaction fees

on international purchases1

$0

annual fee1

Rewards

  • Enjoy a 0% intro APR

    for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply.

  • A rate that starts low and stays low

    14.24% variable APR on purchases and cash advances.

Benefits

  • NEW – Control Your Card

    Instantly secure your accounts by locking your cards with Barclays SecurHold, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.

  • Minimize the fees

    Promotional balance transfers that post to your account within 45 days of account opening: Either $5 or 2% of the amount of each transfer, whichever is greater.

     

    For balance transfers that post to your account at a non-promotional APR after 45 days of account opening: $0.

  • International Chip and PIN

    for use at self-service chip terminals around the world.

  • Exclusive online community

    Our Ring Community is a dedicated forum where you can ask questions, get the latest credit health tips and share your ideas and feedback.

  • $0 Fraud Liability protection

    means you're not responsible for charges you did not authorize.

  • Free online access to your FICO® Credit Score

    lets you keep an eye on your credit score and get alerts when we learn that your score has changed.2

Interest Rates and Charges Summary

APR for purchases

14.24% variable APR.

This APR will vary with the market based on the Prime Rate.

APR for balance transfers

0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable 14.24% APR will apply. This APR will vary with the market based on the Prime Rate.

APR for cash advances

14.24% variable APR.

This APR will vary with the market based on the Prime Rate.

Fee Summary

Annual fee

$0

Balance transfer fee

Promotional balance transfers that post to your account within 45 days of account opening:

Either $5 or 2% of the amount of each transfer, whichever is greater. 

 

Balance transfers that post to your account at a non-promotional APR after 45 days of account opening: $0.

Frequently Asked Questions

Important Information