We're taking the same simple approach with the rest of the card features. There are no balance transfer or annual fees¹. We've minimized other fees as well; it's only $1 per cash advance transaction and 1% on foreign transactions. And in fact, our maximum late fee is $25. We could charge up to $35, but don't.

Barclaycard Ring starts with a credit card that offers simple long-term financial value. The next step is participating in the community so we can get better- together. We'll be sharing our financial stats each month so you can see how the card performs and offering a community where you and other cardmembers can have a say in how the card works.