Enjoy a low APR
on purchases, balance transfers and cash advances
No balance transfer fees1
No foreign transaction fees1
Exclusive online community
As an exclusive feature for cardmembers, our Ring Community offers a resource for questions you may have and provides a place for you to share your ideas as well as credit health education
A rate that starts low and stays low
10.49% variable APR on purchases, balance transfers and cash advances1
No balance transfer fees1
No foreign transaction fees
on purchases made while traveling abroad1
Please see for important information regarding this offer
so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
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
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 .
Annual Fee: $0. For purchases and balance transfers, the variable APR is 10.49% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 10.49%. The APRs on your account will vary with the market based on the Prime Rate. The minimum monthly interest charge will be $0.50. Balance transfer fee: $0. Cash advance and cash equivalent fees: $3. Foreign transaction fee: 0%. 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 . See for information about the terms of this offer.
Barclays offers FICO® Credit Score access at its own discretion. FICO® Credit Score access is not a permanent feature of your account and may be removed at any time. To view your FICO® Credit Score, your account with us must be open, active (having activity within the past 150 days) and in good standing. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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.