8% variable APR1

Low APR on purchases and balance transfers.

No annual fee or balance transfer fees1.

See how we're different.

Watch the video

See how we're different

Share your ideas and opinions

You have a say and can vote on benefits or features you want.

Be part of the process, along with other cardmembers.

What you see is what you get Your terms are simple and easy to understand.

See what others are saying

Time MagazineAmerican Banker
The Wall Street Journal

Share in the Profits

The new GivebackTM2 program Share the estimated profits based on the community's financial performance.

Be active in the community and get more back.

See profit and Loss statements every month.

Choose to keep your share or give it to charity.

Get the first and only Community-Built Credit Card


Here's what you're getting

The Barclaycard Ring Terms & Conditions

1 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 APR will vary with the market based on the Prime Rate. For information about rates, fees, other costs, and benefits associated with the use of this account, please see the Terms and Conditions.

2 The GivebackTM program and profit sharing features are offered at our sole discretion. For more information on the GivebackTM program, please see the Terms and Conditions.

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