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Barclaycard Ring™ Mastercard®: A Worthwhile Balance Transfer Card?

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

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Image of Barclaycard Ring™ Mastercard®
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"One of the best low interest credit cards, that also can be a big money saver through balance transfers."

Contents

The Barclaycard Ring™ Mastercard® is a good long-term balance transfer credit card. If you ever find yourself carrying a balance on another card, you'll generally always save by moving it over to this card instead of paying it off on your original account. The card has a decently long 0% introductory APR period that lasts 15 months, and applies to balances transferred to the account within the first 45 days. The Barclaycard Ring™ Mastercard® also offers a relatively low ongoing APR of 13.99%.

Good For… Bad For…
  • Transferring balances at no additional cost
  • Anyone who needs to carry a balance
  • Individuals interested in earning rewards
  • People with no outstanding credit card debt

Review: Is the Barclaycard Ring™ Mastercard® a Money Saver?

The Barclaycard Ring™ Mastercard® is one of the best low interest credit card offers today. The card also doesn’t charge users any fees for moving balances to it, making it a decent balance transfer credit card as well. Like many of the top cards – such as the Chase Slate® or Citi Simplicity® Card - No Late Fees Ever – the Barclaycard Ring™ Mastercard® offers a ‘0% intro APR’ period. However, what separates it from the rest of the pack is the unique feature of not charging their cardholders and transfer fees. The card also has a fairly low ongoing APR of 13.99% (variable). This is below the average APR in the United States.

This card’s relatively low 13.99%% APR is not fixed, and (like most credit card interest rates) it varies with the Prime Rate. This is important to note, as the Chairman of the Federal Reserve made it clear that interest rates are likely to raise in 2017. This may, eventually, make the Barclaycard Ring™ Mastercard® not as beneficial, once you run out of the 0% intro period.

A graph showing how the total interest paid differs between different credit card offers and the Barclaycard Ring Mastercard

The Barclaycard Ring™ Mastercard® also advertises a unique rewards structure for a card with a low APR. After review, however, we find it to be ineffective and unlikely to offer consumers value when compared to more traditional rewards programs. Of course, this isn't the card's primary focus, as the low APR could result in savings beyond what cardholders could earn in rewards. Rewards are based on a complicated set of calculations, which are meant to share the issuer’s profits with the cardholders. However, up until recently, this has led to a period of over 2 years, with 0 payouts. Due to the nature of this rewards structure, it also becomes near-impossible to forecast how much rewards users could expect down the road.

Bottom Line: There are many circumstances in which transferring your balance to the Barclaycard Ring™ Mastercard® will be a good deal. The math behind when exactly that happens can be complex, so we recommend using our interactive tool to simplify the process.

Barclaycard Ring™ Mastercard® Benefits & Features

They Barclaycard Ring™ Mastercard® does not offer any traditional credit card rewards – no cash back, no points, no miles. The card does offer to give back a portion of its profits to cardholders – distributed evenly, based on the performance of every cardholder. Much of this process is obscured and hard to quantify – in March 2015, Jared Young - the card's Product Manager - announced a change to the formula used to calculate user rewards, stating there hasn’t been an actual payout to cardmembers in over 2 years. Therefore, we recommend consumers do not get this credit card based on the rewards aspect of it – you are likely to get a far better value using a tradition rewards credit card. Instead, this card is best thought of as a balance transfer credit card.

Image of Barclaycard Ring™ Mastercard®
Annual Fee No Annual Fee
Purchase APR 13.99%
Card Details
  • Low intro APR on purchases and balance transfers
  • No balance transfer fees
  • No foreign transaction fees
  • Free online access to your FICO® Credit Score

The Barclaycard Ring™ Mastercard® does not charge users a balance transfer fee for moving over other credit card debt to it. This is a rare feature, as most credit cards offered by major issuers charge anywhere between a 3% to 5% fee for each transfer. Just like many other balance transfer credit cards, the Barclaycard Ring™ Mastercard® has a promotional 0% APR period. It lasts 15 months and applies to balances transferred to the account within the first 45 days of account opening. This low APR, combined with no transfer fees can make this card a good money-saving option – as long as the numbers make sense for you.

For example, if you had $10,000 in outstanding credit card debt, $300 monthly payments, and an APR of 15%, you would pay approximately $2,805 in interest. If, however, you moved that debt over to the Barclaycard Ring™ Mastercard®, your total interest paid reduces to $617 – a difference of $2,188. You'd be debt free in 36 months instead of the 43 months on this schedule.

Depending on the amount of debt you have, and how long it takes to pay it down, this card’s offer may be better or worse than other balance transfer cards. The exact calculations may get messy, so we recommend using a online calculator to help you figure out how long of a 0% period you need, and whether paying a transfer fee can still result in a net savings.

Current Interest Rate:
Current APR (%):
Current Balance ($)
Monthly Payments ($)
Card APR Balance Transfer Fee Intro Balance Transfer Offer Interest Savings

ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees.

The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Chase Freedom Unlimited®
15.99% - 24.74% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% for 15 months $0.00
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Chase Freedom Unlimited® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Chase Freedom Unlimited® assumes an interest rate of 0.00%

Capital One® Quicksilver® Cash Rewards Credit Card
13.99% - 23.99% (Variable) 3% 0% intro on balance transfers for 9 months $0.00
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Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Capital One® Quicksilver® Cash Rewards Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Capital One® Quicksilver® Cash Rewards Credit Card assumes an interest rate of 0.00%

Wells Fargo Propel American Express® Card
13.99%-25.99% (Variable) 5% 0% for 12 months $0.00
Graph Card More Details
Annual Fee $0
APR 13.99%-25.99% (Variable)

Card Details

  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Wells Fargo Propel American Express® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Wells Fargo Propel American Express® Card assumes an interest rate of 0.00%

TRIO℠ Credit Card
14.24% to 23.24% Variable 4% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
TRIO℠ Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the TRIO℠ Credit Card assumes an interest rate of 0.00%

U.S. Bank Cash 365™ American Express® Card
14.74% - 23.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
U.S. Bank Cash 365™ American Express® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the U.S. Bank Cash 365™ American Express® Card assumes an interest rate of 0.00%

The Choice Privileges® Visa® Card
15.24%, 19.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 15.24%, 19.99% or 24.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
The Choice Privileges® Visa® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the The Choice Privileges® Visa® Card assumes an interest rate of 0.00%

ThankYou® Preferred Credit Card
14.49% - 24.49%* (Variable) 4% of each balance transfer; $5 minimum. 0%* 15 months $0.00
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Annual Fee $0*
APR 14.49% - 24.49%* (Variable)
*Rates and Fees

Card Details

  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
ThankYou® Preferred Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the ThankYou® Preferred Credit Card assumes an interest rate of 0.00%

Hawaiian Airlines® World Elite Mastercard®
16.24%, 20.24% or 25.24% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details
Annual Fee $89
APR 16.24%, 20.24% or 25.24% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Primary cardholder is eligible to earn a $100 discount off one coach companion ticket for roundtrip travel between Hawaii and North America on Hawaiian Airlines on each account anniversary upon payment of annual fee
  • Receive a one-time 50% Off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • As a primary cardholder, receive a complimentary first checked bag every time you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • No foreign transaction fees

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Hawaiian Airlines® World Elite Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Hawaiian Airlines® World Elite Mastercard® assumes an interest rate of 0.00%

Discover it® ­- 18 Month Balance Transfer Offer
11.99% – 23.99% Variable 3% 0% $0.00
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Annual Fee $0
APR 11.99% – 23.99% Variable

Card Details

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Discover it® ­- 18 Month Balance Transfer Offer 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Discover it® ­- 18 Month Balance Transfer Offer assumes an interest rate of 0.00%

Chase Freedom®
15.99% - 24.74% Variable Either $5 or 5% of the amount of each transfer, whichever is greater 0% for 15 months $0.00
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Chase Freedom® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Chase Freedom® assumes an interest rate of 0.00%

Priceline Rewards™ Visa Card
14.99%, 19.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details
Annual Fee No Annual Fee
APR 14.99%, 19.99% or 24.99% Variable

Card Details

  • 5 points for every $1 spent on priceline.com purchases
  • 1 point for every $1 spent otherwise
  • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
  • Reward redemptions begin at $25
  • Get 10% points back every time you redeem points for statement credits toward eligible priceline.com or travel purchases of $25 or more made in the last 120 days

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Priceline Rewards™ Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Priceline Rewards™ Visa Card assumes an interest rate of 0.00%

The Amex EveryDay® Credit Card from American Express
13.99%-23.99% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. 0% on Balance Transfers 12 months $0.00
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.99%-23.99% Variable
*Rates and Fees

Card Details

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
The Amex EveryDay® Credit Card from American Express 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the The Amex EveryDay® Credit Card from American Express assumes an interest rate of 0.00%

Blue Cash Everyday® Card from American Express
13.99%-24.99% Variable Either $5 or 3% of the amount of each transfer, whichever is greater. 0% on Balance Transfers for 15 months $0.00
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.99%-24.99% Variable
*Rates and Fees

Card Details

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Blue Cash Everyday® Card from American Express 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Blue Cash Everyday® Card from American Express assumes an interest rate of 0.00%

Holland American Line Rewards Visa Card
13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 points upon first purchase
  • 2 points for every $1 spent on all Holland American purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and free cruise redemptions
  • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Holland American Line Rewards Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Holland American Line Rewards Visa Card assumes an interest rate of 0.00%

Premier Miles & More® World Mastercard®
15.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card Read Review More Details
Annual Fee $79
APR 15.99% or 24.99% Variable

Card Details

  • Earn 20,000 award miles with first purchase or balance transfer
  • Annual Companion Ticket after first purchase, and annually thereafter
  • 2 miles for every $1 spent on Miles and More integrated airlines
  • 1 mile for every $1 spent otherwise
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
  • Complimentary Companion ticket after first purchase, then every year after
  • $79 Annual Fee waived for Senator and HON Circle Members
  • No foreign transaction fee

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Premier Miles & More® World Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Premier Miles & More® World Mastercard® assumes an interest rate of 0.00%

The Wyndham Rewards® Visa Signature® Card
15.24% or 19.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 15.24% or 19.99% Variable

Card Details

  • Earn 12,000 bonus points with first purchase
  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
The Wyndham Rewards® Visa Signature® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the The Wyndham Rewards® Visa Signature® Card assumes an interest rate of 0.00%

Princess Cruises Rewards Visa Card
13.99%, 16.99% or 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99%, 16.99% or 20.99% Variable

Card Details

  • Earn 5,000 Bonus Princess Points after your make your first purchase
  • 2 points for every $1 spent on Princess Cruises purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards towards discounted, reduced, and even free cruise redemptions
  • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Princess Cruises Rewards Visa Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Princess Cruises Rewards Visa Card assumes an interest rate of 0.00%

Carnival World™ MasterCard®
13.99%, 16.99% - 20.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 13.99%, 16.99% - 20.99% Variable

Card Details

  • Earn 5,000 Bonus FunPoints® when you use your card for the first time
  • 2 FunPoints for every $1 spent on all Carnival Cruise Line purchases
  • 1 FunPoint for every $1 spent otherwise
  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Carnival World™ MasterCard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Carnival World™ MasterCard® assumes an interest rate of 0.00%

National Geographic Platinum Edition® Visa®
15.99% - 22.99% Variable 5% or $10 whichever is greater. 0% Intro on Balance Transfers for 6 months. $0.00
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Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
National Geographic Platinum Edition® Visa® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the National Geographic Platinum Edition® Visa® assumes an interest rate of 0.00%

RCI® Elite Rewards® MasterCard®
13.99% or 24.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
Graph Card More Details
Annual Fee No Annual Fee
APR 13.99% or 24.99% Variable

Card Details

  • Earn up to 2,500 bonus rewards after your first purchase
  • 2 points for every $1 spent on RCI purchases
  • 1 point for every $1 spent otherwise
  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
RCI® Elite Rewards® MasterCard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the RCI® Elite Rewards® MasterCard® assumes an interest rate of 0.00%

Miles & More® World Elite Mastercard®
Image of Miles & More® World Elite Mastercard® 16.99% or 25.99% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
Graph Card More Details
Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • 50,000 award miles after qualifying transactions
  • 1 mile for every $1 spent
  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Miles & More® World Elite Mastercard® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Miles & More® World Elite Mastercard® assumes an interest rate of 0.00%

Truly Simple Credit Card
12.74% - 23.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 12.74% - 23.74% Variable

Card Details

  • No Annual Fee
  • No Penalty Rate (APR) for a missed payment
  • Low 0% introductory APR for the first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 12.74% to 23.74% based on your creditworthiness

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Truly Simple Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Truly Simple Credit Card assumes an interest rate of 0.00%

KeyBank Latitude Credit Card
Image of KeyBank Latitude Credit Card 10.74% - 20.74% Variable 4% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 10.74% - 20.74% Variable

Card Details

  • No annual fee
  • Special low Introductory APR of 0% for the first 15 billing cycles on purchases and balance transfers1 (made within 60 days of account opening).
  • After that, our lowest variable Purchase and Balance Transfer APR will apply, currently 10.74% - 20.74%, based on credit worthiness.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
KeyBank Latitude Credit Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the KeyBank Latitude Credit Card assumes an interest rate of 0.00%

BB&T Bright® Card
Image of BB&T Bright® Card 11.9% to 20.9% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 11.9% to 20.9% Variable

Card Details

  • 0% introductory (APR) for 15 months on purchases and balance transfers
  • Afterwards, variable APRs ranging from 11.9% to 20.9%
  • No annual fee

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BB&T Bright® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the BB&T Bright® Card assumes an interest rate of 0.00%

US Bank Visa® Platinum Card
10.74% - 22.74% Variable 3% or $5 whichever is greater. 0% Intro on Balance Transfers for 15 months. $0.00
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Annual Fee No Annual Fee
APR 10.74% - 22.74% Variable

Card Details

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
US Bank Visa® Platinum Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the US Bank Visa® Platinum Card assumes an interest rate of 0.00%

Wells Fargo Platinum Visa® Card
16.15%-25.99% (Variable) 5% 0% for 18 months $0.00
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Annual Fee $0
APR 16.15%-25.99% (Variable)

Card Details

  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Wells Fargo Platinum Visa® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Wells Fargo Platinum Visa® Card assumes an interest rate of 0.00%

BankAmericard® Better Balance Rewards
11.99% - 21.99% Variable 3% or $10 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn $25 per quarter to pay down your balance faster when you pay more than the monthly minimum on time each month–that can be up to $100 each year
  • No annual fee
  • 0% Intro APR on purchases and balance transfers for 12 billing cycles

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
BankAmericard® Better Balance Rewards 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the BankAmericard® Better Balance Rewards assumes an interest rate of 0.00%

Citi Simplicity® Card - No Late Fees Ever
14.99% - 24.99% (Variable) 3% of each balance transfer; $5 minimum. 0%* 21 months $0.00
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Annual Fee $0*
APR 14.99% - 24.99% (Variable)
*Rates and Fees

Card Details

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee...EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Citi Simplicity® Card - No Late Fees Ever 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Citi Simplicity® Card - No Late Fees Ever assumes an interest rate of 0.00%

Citi® Diamond Preferred® Card
13.99% - 23.99%* (Variable) 3% of each balance transfer; $5 minimum. 0%* 21 months $0.00
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Annual Fee $0*
APR 13.99% - 23.99%* (Variable)
*Rates and Fees

Card Details

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Citi® Diamond Preferred® Card 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Citi® Diamond Preferred® Card assumes an interest rate of 0.00%

Chase Slate®
15.74%-24.49% Variable $0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. 0% Intro APR on Balance Transfers 15 months $0.00
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Annual Fee $0
APR 15.74%-24.49% Variable

Card Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Chase Slate® 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Chase Slate® assumes an interest rate of 0.00%

PCB Platinum
Image of PCB Platinum 13.49% to 24.49% Variable 2% or $2 whichever is greater. 0% Intro on Balance Transfers for 12 months. $0.00
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Annual Fee No Annual Fee
APR 13.49% to 24.49% Variable

Card Details

  • 0% introductory APR on purchases for the first 12 months. When the offer expires the variable APR will be from 13.49% up to 24.49%.

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
PCB Platinum 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the PCB Platinum assumes an interest rate of 0.00%

Mastercard® Black Card™
15.99% Variable 3%, Min: $5 0% for 15 months $0.00
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Annual Fee $495
APR 15.99% Variable

Card Details

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

Estimated Savings Through 24 Months

Card Interest Paid* Balance Transfer Fee Total
Current Card 0.00 0 0.00
Mastercard® Black Card™ 0.00 0.00 0.00
Savings 0.00

*The calculation for interest paid for the Mastercard® Black Card™ assumes an interest rate of 0.00%

How Does the Barclaycard Ring™ Mastercard® Compare to Other Credit Cards?

The best way to get a sense of whether the Barclaycard Ring™ Mastercard® is of any value to you is to see how it compares to your other options. Below we profile some similar credit cards and how the Barclaycard Ring™ Mastercard® stacks up to each.

Barclaycard Ring™ Mastercard® vs Chase Slate®

The Chase Slate® is one of the best balance transfer credit cards. It comes with an introductory ‘$0 balance transfer fee’ offer, on balances transferred within the first 60 days of account opening. On top of this, the card offers a 0% intro APR for 15 months on both purchases and balance transfers. After that period runs out, the Chase Slate® will have a variable APR of 15.74% - 24.49% - depending on your credit. If you manage to qualify for the lower end of this spectrum, there will be a much smaller difference between this card and the Barclaycard Ring™ Mastercard®.

The standout feature of the Barclaycard Ring™ Mastercard® is the fact that you never get charged any transfer fees – while with the Chase Slate® that feature is limited to just the first 60 days your account is open. We believe both cards are comparable, however, since you would likely not want to transfer balances to the Barclaycard Ring™ Mastercard® after the first 45 days of account opening – if you did this, you would not qualify for the promotional APR.

Barclaycard Ring™ Mastercard® vs Citi Simplicity® Card - No Late Fees Ever

The Citi Simplicity® Card - No Late Fees Ever offers one of the longest ‘0% intro APR’ periods around – a whopping 21 months. Unlike the Barclaycard Ring™ Mastercard®, cardholders must pay a 3% transfer fee (or $5, whichever is greater). If it will take you close to the full 21 months to pay off your outstanding debt, it will be well worth this transfer fee, as the difference between paying 0% and 13.99% APR over that kind of period is substantial. 

As is the case with other typical balance transfer cards, the Citi Simplicity® Card - No Late Fees Ever’s usability becomes questionable once the original promotional period runs out and the standard APR kicks in (12.99%, 15.99%, 18.99%, 20.99% or 22.99%). While we don’t recommend any credit card user every carry a balance month-to-month, we recognize that in certain situations, consumers are left with little choice. That is when a fixed-low-interest credit card like the Barclaycard Ring™ Mastercard® becomes a great asset.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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