Card
Network

Mastercard
Bank

Barclays
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good/Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Low 13.74% variable APR on purchases and cash advances

CARD DETAILS

  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
  • Low 13.74% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
+ Pros
  • 0% intro APR on balance transfers
  • No foreign transaction fees
  • No annual fee
- Cons
  • $3 for each cash advance

PURCHASES

Intro
APR

N/A
Ongoing
APR

13.74% Variable
See Rates & Fees
Penalty
APR

See terms
Minimum Grace
Period

See terms
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

0% intro APR for 12 months on balance transfers made within 45 days of account opening.
Ongoing
APR

13.74% Variable
Balance Transfer
Fee

Balance Transfers that post to the account within 45 days of account opening: Either $5 or 3% of the amount of each transfer, whichever is greater. Balance Transfers that post to the account after 45 days of account opening: $0
Penalty
APR

See terms
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

See terms
Ongoing
APR

13.74% Variable
Cash Advance
Fee

$3 for each cash advance
Penalty
APR

See terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

None
Late Payment
Fee

Up to $27
Barclaycard Ring® Mastercard® Application
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