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Read This Before Applying for the Barclaycard® Ring Mastercard® Credit Card

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The Barclaycard® Ring Mastercard® is catching traction and ending up in the purses and wallets of many Mastercard® owners. Many say this is because it’s a high rewards card with low interest rates and flexible qualification requirements.

The card appears to have everything, but is there a catch?

Barclaycard® Ring Mastercard® Terms

The Barclaycard® Ring Mastercard® features a 8% variable APR, no annual fees, and zero balance transfer fees. It charges no extra interest on cash advances, just a $1 fee per cash advance transaction. Late payments, while they shouldn’t happen, are only charged a $25 fee.

This credit card is available to US applicants. Must be 18 years or older to apply.

Barclaycard® Ring Mastercard® User Reviews

What matters most is what people have to say about this card. It’s the tried-and-tested experience that tells you whether hidden problems will show up.

Here is what the users have to say:

Interest Rate

Getting approved for the Barclaycard® Ring Mastercard® is not difficult for anyone with good credit. The interest rate given on this card is reasonable. The average APR for a rewards credit card is 16% or more. This makes the Barclaycard® Ring Mastercard® a superior option to most other rewards credit cards on the market.

Rewards Program

Users are extremely happy with the rewards program for this card. People call this a “community-built credit card” and is the first of it’s kind. The cardholders can vote together and decide on a benefit or eature to introduce to the card. The Giveback bonus lets users decide how they use their rewards, whether they go to you or to charity in your name. The great thing is that the rewards program isn’t a typical rewards scheme, it’s a profit-sharing plan between everyone with this card.


Once you’re in the door, the free balance transfers come in handy. Consolidating your debts onto this card is also an option. It’s a low rate card meant for strong credit accounts, so cash limits accommodate most consolidated debts. Plus, you can use it as an accessory to another card and stay on top of bill payments on the other card.


The Barclaycard® Ring Mastercard® is a versatile credit card that accommodates everyone. It has a rewards program that is unique and will likely pave the way for rewards programs in other cards. If you can qualify, this card is definitely worth the consideration. All that’s left is to check out what features and benefits the community has in place for the card!



*Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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