The Barclaycard Ring Mastercard was designed by Barclays to give customers a say in how their credit card works. Cardholders become part of an online community and can participate in discussions. Using the “Influence” section of the site, cardmembers have the opportunity to submit and vote on ideas. There is also a blog providing financial tips.

Members of the community can track the overall financial performance of the Barclaycard Ring Mastercard and Barclays shows the card’s estimated monthly profits and losses. In addition to transparency, through the Giveback program, Barclaycard Ring Mastercard holders can receive a share of the card’s profits.

This innovative product and process makes the Barclaycard Ring the first "crowdsourced" credit card. If you have excellent credit, the Barclaycard Ring Mastercard is worth your serious consideration.