Can the Barclaycard Ring Save You Money? Read Our Review

Barclaycard Ring

Looking for a credit card that won’t cost you in fees or high interest rates? The Barclaycard Ring MasterCard might be the ideal solution.

It’s a wise choice for users who want to make the most of a credit card, but don’t want to pay for the ability to access a card’s helpful features.

Read on to find out more about the Barclaycard Ring card, including the most unique aspect that cardholders can enjoy: the community that comes with it.

Barclaycard Ring MasterCard review

The benefits and features of the Barclaycard Ring

The Barclaycard Ring MasterCard is a credit card issued by Barclays Bank.

Cardholders can receive a 0% introductory APR for the first 15 months. Plus, you’ll get a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%.

Though you should always aim to pay off your credit card balance every month, securing a low APR can be helpful during those time that you can’t afford to do so. If you must carry a balance, a lower APR can save you money on interest compared to other cards.

What’s more, this card doesn’t charge you a fee for transferring balances or using it for foreign transactions. There’s no annual fee, either. Users can also track their credit score with a free copy of your FICO score with every statement.

Apply for the Barclaycard Ring Mastercard

Added bonus: the card community

Fewer fees and a low APR are excellent benefits for cardholders, but the community and crowdsourced nature of the Barclaycard Ring MasterCard make it really stand out.

When you get approval for a Barclaycard Ring credit card, you also gain access to a community of fellow users. From the community, you can vote on new product features or make suggestions for additional benefits.

You can also interact with other Barclaycard Ring cardholders by starting and joining in on discussions in the forums. You can ask questions, provide answers, or give feedback to other members.

Conversations are grouped by topic and focus on Card Basics, Community, Track Talk, and Financial Health. If you need more educational resources, you can also check out the community’s blog.

Barclays also offers you transparency on how they’re doing within the Ring community. The company shares a review that includes estimated profits and losses.

Profits matter to the group because Barclays also gives members access to their Giveback program, where they share the Barclaycard Ring MasterCard’s estimated profits. Your account activity and new customer referrals determine the size of your share.

Once you earn your percentage of the card’s profits, you can then choose what to do with those funds. Donate your portion to a charity, keep the money, or choose to split the amount evenly between the two options.

Using the Barclaycard Ring online platform

Once you apply for and receive a Barclaycard Ring MasterCard, you can set up your online account.

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Log in online to manage your card, make payments, and access your community features. You can also find useful tools, such as your free FICO score, under “Rewards and Benefits.”

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Don’t forget to utilize Barclaycard’s “Help” feature, located at the upper righthand corner of the account dashboard. Search for answers to your questions — although with the Barclaycard Ring, you can also turn to the discussions within the community if you get stuck.

Barclaycard also offers a mobile app for Android and iOS. Use the app to help you manage your spending and account after you get your online access setup via tablet, laptop, or desktop computer.

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Apply for the Barclaycard Ring Mastercard

The fine print for the Barclaycard Ring MasterCard

Here are the numbers and facts to know before you apply for this Barclaycard credit card:

  • 0% Introductory APR for the first 15 months on purchases. Plus, you’ll get a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%.
  • No annual fee.
  • No foreign transaction fees.
  • No balance transfer fees.
  • $3 fee for each cash advance.
  • Up to $27 fee for late or returned payments.
  • Your statement due date is at least 23 days after the close of each billing cycle.

Cardholders also enjoy benefits like:

  • Free online access to FICO scores.
  • Community where cardmembers can vote on card features, start discussions, post blogs, ask questions, and propose new ideas.
  • The Giveback program, which offers rewards depending on your account activity.

It’s important to know a few specific details about the Giveback program itself:

  • Profits are not based on the actual, realized profits of the program — they’re calculated using estimated profits (but the formula used is available for community members to see online).
  • Your account must be in good standing to receive any rewards.
  • If you donate to charity through the program, your donations are not eligible for individual tax refunds.
  • The program and features are offered at the discretion of Barclaycard and they can discontinue the program at any time.

What do you need to qualify for the Barclaycard Ring credit card?

The Barclaycard Ring MasterCard is a noteworthy credit card that offers low fees, small interest rates, and unique features. Because of those perks, it’s not always easy to qualify for.

You’ll need a good to excellent credit score in order to qualify for this credit card. A good credit score falls in the 700 to 749 range on the FICO scale, and an excellent score is anything over 750.

More about Barclaycard U.S.

Barclaycard U.S., part of Barclays Retail and Business Banking, is headquartered in Wilmington, Delaware.

Barclaycard is an international financial institution, serving markets in the United States and abroad. It introduced the first payment card to Great Britain in the 1960s and is the leading issuer of credit cards in the U.K. today.

Barclaycard initially acquired the U.S.-based credit card company Juniper Financial Corporation in 2004 — but Barclays itself traces its history back to 1690s England.

John Freame and Thomas Gould based their gold trading business on Lombard Street in London in that decade. In 1736, Freame’s son-in-law James Barclay became a partner in the bank and renamed it Freame and Barclay.

Barclaycard’s mission today includes helping people “achieve their ambitions — in the right way.”

Apply for the Barclaycard Ring Mastercard

Important contacts for Barclaycard Ring MasterCard cardholders

For general questions and information, call customer service at 877-523-0478. For questions about your account, call the number on the back of your card. Their customer service operates 24 hours a day, seven days a week.

You can also send secure messages from within your account if you prefer to communicate via email. Log in and select “Contact Us” from your online portal. To view your messages, click on the “New Messages” link.

You can also reach the company through regular mail. Send general correspondence to:
Card Services
PO Box 8801
Wilmington, DE 19899-8801

To make a credit card payment by mail, send it to:
Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337

If you need to overnight your payment, use this address (and specific labels and envelopes from UPS, FedEx, or the U.S. Postal Service):
Remitco Card Services
Lock Box 913337
2080 Cabot Boulevard West
Langhorne, PA 19047

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