Barclays offers game-changing crowd-sourced cards

Tuesday, December 10th, 2013
Updated: December 10th, 2013
The content is accurate at the time of publication and is subject to change.

Barclays is trying to shake up the habitual credit card world by allowing consumers to have input on everything associated with their card: from the card’s look to its interest rate.

They have already launched two crowd-sourced credit cards: the Ring and Arrival credit cards. These cards may become a big change for the credit card industry, but more importantly they may become a good choice for consumers.

Let’s dig deeper and find what the credit card crowd-sourcing trend is.


Traditionally, the world of credit is dominated by banks which barely leave a room for discussion or feedback from consumers. That is what Barclays was trying to change when it first introduced its Ring credit card.

Working with Lithium Technologies, a software company, the bank created an online group to work together in order to set terms of the Ring card, voting on everything from interest rates to fees policy.

The card attracted a great deal of consumers who wanted to experience a more open and interactive credit card. After the success of ring card, Barclays launched a second crowd-sourced card, the Arrival.

The bank created its own community for this travel rewards credit card which is called Barclays Travel. Unlike Ring card, the community of the Arrival card is open to both members and non-members.

Input & Profit

Barclays constantly asks for public input on cards terms and the structure of the rewards program. Thus regular consumers participate in the process of setting their credit card’s terms and conditions. The participation is not obligatory and consumers may any time take part in any discussion or just look through it.

But there is another perk consumers will like a lot: using a Barclays crowd-sourced credit card not only allows consumers to vote about card’s terms, it also allows them to share the profits. The Barclays claims to share 70% of any additional earning with Ring cardholders, if the bank clears a 3% annual return on the card.

That is a good incentive for card holders to set good policies regarding interest rates and fees.

The crowd-sourced credit cards from Barclays offer some advantages over regular credit cards. Cardholders get some benefits not available to those with traditional credit cards. But it is still vague whether crowd-sourced credit cards will be less costly for consumers in the end.

It is not clear whether the crowd-sourced credit cards are the cheapest on the credit card market. But if it is important for you to have a say in your credit card’s terms and policy, a Barclays crowd-sourced card may be the thing you are looking for.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Latest Credit Card Issuers News

Wednesday, February 6th, 2019

Dog-lovers can get checks or credit cards printed with pictures of adorable pups. If you’d rather be at the beach, you can carry a credit card picturing the waves and sand. And now sports fans can order a new credit card with the logo of their favorite teams and players.

Friday, September 14th, 2018

Loyal JetBlue customers have another reason to use Chase credit cards: the banking giant and credit card issuer has announced that the JetBlue TrueBlue loyalty program is the newest Chase Ultimate Rewards partner, and cardholders will now be able to redeem their reward points for travel on the airline.

Monday, April 23rd, 2018

Good news for American Express Platinum cardholders who live or travel in the Denver area: American Express has just announced plans to add a Centurion lounge to the Denver International Airport (DIA). And it will be huge—over 14,000 square feet—making it the second-largest Centurion lounge location.

Thursday, October 12th, 2017

The Walt Disney Company and Chase Card Services recently announced that they will continue their longstanding relationship, extending their co-branded Disney Visa Card, Disney Premier Visa Card and Disney Visa Debit Card programs in a multi-year agreement.

Sunday, July 9th, 2017

According to the 2017 Direct Retail Banking Satisfactions study, Discover is the second of the nine participating U.S. direct banks, scoring 869 points out of 1,000, being one in three banks topping the industry average for overall satisfaction.

Best Credit Offer
Horizon Gold
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 4 / 5
Horizon Card Services Horizon Gold Credit Card
Copyright © 2001-2019 All Rights Reserved.

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.

Disclosure: Not an access card.

You've successfully subscribed!

Please specify the following:All these fields are optional

Thank you for providing this information! We will make sure our letters are useful for You.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.