Barclaycard Ring® Mastercard®

Barclaycard Ring Mastercard card
  • 0% intro APR

    for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% 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 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply

     

    See terms and conditions for important information regarding this offer

  • A rate that starts low and stays low 

    13.74% APR on purchases and cash advances

Benefits

  • None of these fees

    Enjoy your low rate with no foreign transaction fees and no annual fee. And, there will be no balance transfer fees on any balance transfers that post to your account after 45 days of account opening1

  • $0 Fraud Liability protection

    means you're not responsible for unauthorized charges

  • International Chip and PIN

    for use at self-service chip terminals around the world

  • 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 changed2

Interest Rates and Charges Summary

Fee Summary

See terms and conditions for a complete listing of rates and fees

Important Information

  1. Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, other costs, and benefits associated with the use of the credit card program, please see the Terms and Conditions

    This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings).

  2. Annual Fee: $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 12 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances.  For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 13.74%. The variable APR for cash advances is 13.74%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the “About the Variable APRs on Your Account” section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater for balance transfers that post to your account within 45 days of account opening. $0 for balance transfers that post to your account after 45 days of account opening. Cash advance and cash equivalent fees: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer. 

  3. FICO® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclays offers FICO® Score access at its sole discretion. Not all accounts will have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO® Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.

  4. The Barclaycard Ring Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    © 2018 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.