The Barclaycard Ring® Mastercard® is a good choice for the consumer who carries a balance. It provides one low APR on purchases, balance transfers and cash advances.
There’s also a profit-sharing feature, Giveback™. When you make a purchase with your Barclaycard Ring® Mastercard®, a specific percent of the purchase amount is set aside and later made available to everyone who is a cardholder. Customers have the option of donating their Giveback™ to a charity. Plus there is free online access to your FICO® Credit Score. ♠