The Barclaycard Ring® Mastercard® is a no interest on balance transfers Mastercard designed by the person that knows your finances best – you!  Your voice counts in the Barclaycard Ring Community because you'll be able to share your opinions and ideas on card features and vote to make them permanent.

With this versatile card, you choose your own card features and have a low, variable APR on purchases and balance transfers.  Plus, you'll pay No annual fee, a low APR on purchases, and 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply.  In terms of balance transfer fees, 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.  

Should you need a cash advance, you'll pay a set $3 for each cash advance and pay the same low APR as purchases.

You'll also earn rewards through the brand-new Giveback program, where Barclaycard Ring cardholders receive cash back for positive performance based on community estimated profits. You'll have exclusive access to the Barclaycard Ring® Mastercard® online community, where you can learn more about personal finance from Barclaycard AND other card members!

The Barclaycard Ring® Mastercard® is also one of the few cards that offers free access to your FICO® credit score.