Barclaycard Ring® Mastercard® Review

Our Detailed Review of This Card

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Looking for a card that not only has a long 0% intro APR on balance transfers, but also a low balance transfer fee? If so, the Barclaycard Ring® Mastercard® is the card for you.

The Barclaycard Ring® Mastercard® features a 15-month 0% intro APR on balance transfers made within 45 days of account opening. It does charge a 2% balance transfer fee ($5 minimum) on transfers made within that same 45 days, but that is lower than all of the other cards we review. Between the 0% intro balance transfer APR and the unusually low fee, the Barclaycard Ring® Mastercard® is likely to save you a lot of money on your transferred balance. To find out for sure, use our free Balance Transfer Calculator.

After your account has been open for over 45 days, there's no balance transfer fee. However, cardholders who make a transfer after 45 days from account opening won't benefit from the 0% intro balance transfer APR and will instead pay the ongoing 14.24% Variable APR.

Saving you even more money is the fact that the Barclaycard Ring® Mastercard® charges no annual fee and no foreign transaction fees. Since credit cards often charge 3% to 5% foreign transaction fees, avoiding these fees can save world travelers a good bit of money. And while the Barclaycard Ring® Mastercard® doesn't have 0% intro APR on purchases, it does have a low ongoing APR — 14.24% Variable, which is probably lower than the interest you're paying on your current credit card. Plus, you'll get access to your free FICO® Score, updated monthly. This feature can be helpful in keeping an eye on your credit standing.

Whether you're looking for a card with a 15-month 0% intro APR on balance transfers and a low balance transfer fee, or just want a credit card with a low ongoing 14.24% Variable APR and no annual fee or foreign transaction fees, the Barclaycard Ring® Mastercard® is a terrific choice.


Fees and APR

  • Annual Fee: $0
  • Foreign Transaction Fee: None
  • Purchase APR: 14.24% Variable.
  • Balance Transfer APR: 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.
  • Balance Transfer Fee: Balance Transfers that post to the 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 the account after 45 days of account opening: $0


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