Barclaycard Ring vs Barclaycard Rewards

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Location: United States

Barclaycard Ring vs Barclaycard Rewards

Postby Red_Rena » Sat Aug 09, 2014 1:45 pm

From my Juniper card if I can get them to upgrade. Which of these would give me more bang for my buck? Also, since my limit is 6000, would they upgrade to WMC? Last, if it were converted to a WMC (I'm dreaming at this point, lol) does it report to the CBs?
EQ 861
EX 08 869
TU 08 822

American Express Blue Cash Everyday $16,000 (6/2014)
Bank of America Better Balance Rewards $3800 (7/2003)
Bank of America Cash Rewards Visa Signature $6000 (3/2012)
Barclaycard Rewards $8200 (2005)
Capital One Quicksilver $4750 (12/2010)
Capital One Quicksilver $4000 (3/2011)
Chase Freedom $2000 (9/2003)
Citi Dividend $5700 (6/2013)
First National Bank of Omaha Visa Platinum $9000 (2011)
Bill Me Later (PayPal Credit) $1960 (2011)

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Posts: 56
Joined: Sun Jan 26, 2014 2:57 pm
Location: usa

Postby notcool » Sat Aug 09, 2014 3:07 pm

The main difference between the two is that the Ring has a low APR (8%) but no "cash back / rewards." The Rewards card will have a higher APR but you get cash back.

Which is better? If you never carry a balance, the rewards card is probably better. If you sometimes carry a balance, the low APR of the Ring card may save you money.

You might also ask if either the Ring or the Rewards card essentially duplicates a credit card you already have.

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