Capital One® Rewards No Hassle(SM) Cash Credit Card

Cardholders' Choice i
Cardholders' Choice i
  • 2% cash back on gas and groceries
  • 1% cash back on all other purchases
  • BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central
  • No limit on the cash you can earn and cash won't expire
  • Redeem cash rewards any time for any amount, even set up automatic redemption
  • 0% intro APR on purchases until November 2012
  • Pick an image for your card-choose the one shown here, any of the hundreds in our collection or add your own
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
Until Nov 2012
$39
0%
17.9% - 22.9%
N/A
17.9% - 22.9%
(V)*
(V)*
Annual Fee
Purchase Intro APR
Until Nov 2012
$39
0%
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
17.9% - 22.9%
N/A
17.9% - 22.9%
(V)*
(V)*

Offer Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions the provider's website.

Cash Advance Rate 24.9% (V)
Cash Advance Fee 3%, Min: $10
Late Fee up to $35
Balance Transfer Fee $0

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Capital One Rewards Card Mastercard
by Anonymous
Helpful to 2372 out of 2495

I received this card  a week after my Chapter 7 discharge in 2012. I initially received a credit line of $1000.00. I also was told after five on time payments, I would be given a $500.00 increase.

I used my card weekly, making purchases and paying most off within the month. I sometimes made 5 or 6 payments per month. After my 5th payment and upon the 6th billing period, I received a $2000.00 increase. Total credit line currently is $3,000.00.

I was very pleased and also noticed that my credit score increased 43 points after they reported the increase to the credit reporting agencies.

It has only been 6 months since my bankruptcy discharge and I am nearly at a 680 credit score.

From reading recent postings  it appears that possibly Capital One is giving higher limit increases.This is a plus for anyones overall credit scores.

I recently learned that Experian deducts from your score if your overall credit limits are below $2,000.00, just a point I wanted to throw out there.

So far I am very pleased with Capital One's Reward card. It was the only card I applied for, and it has been a great asset in getting my financial credit house in order.

Much luck to everyone, filing bankruptcy was a very difficult and well thought out decision for me, so the journey back has been pleasant with Capital One.

 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
CoNecoHime
Second Chances
by CoNecoHime
Helpful to 16 out of 16

Capital One was the reason for my credit decline in the first place. Now it's time for second chances.

7 yrs ago I was 19, and stupid when it came to the ways of credit cards. I had applied for a credit card with capital one and was approved with a $500 limit. After months of using my card responsibly and always paying on time I was on my way to success. Then I was attacked at work and was on workers comp for a month due to my injuries. During this time I used my card to help with bills and groceries. One day I went over my limit by $1 ran home and made a payment ASAP, called capital one and explained the situation. Didn't matter I was given an over the limit fee. I found this out when after paying my bill on time I was called and told that I needed to pay $75 to get my account in good standing. Of course I agreed ( I was back at work ) and thought  "good now I can work at paying off the card and being back on track" 6 months later I received a call saying I owed them $200 because for the past 6 months I had been charged over the limit fees. I later found out that the $75 dollars I payed to get my account in good standing was really supposed to be $78 and their employee made a mistake. Month after month the " over the limit fee" was putting me back over the limit and accruing another fee. Which I was told was in any way wrong on their part. They offered to take off $50 dollars but insisted I pay the rest due to "I should have realized the fees were being added" despite them never being on my statements. (Still have the paper statements to prove it) this is where the young and stupid part comes in. I refused to pay believing that somehow justice was on my side and was further convinced when I consulted with a lawyer and found out that I did have a good case but no lawyer would take it because it wasn't a big payday for the lawyer. So I called and told them to close the account and to go some place very hot. Some years  later I found out that they didn't close the account and  "had no record of me telling them to" also they wanted a whole $1300 from me. Needless to say I was livid but older and wiser so I told them "if you ever want to see 1 penny from me I would suggest you rethink that number you gave me" we agreed on $900 and so I paid it off and made sure the account was closed ( made sure I got the letter ) after all was said and done my score went from good to poor and left me somewhat depressed. Now I am married and for these last 4 yrs have avoided all things credit. Which if anything brought me down a few more points. I've realized I'm no longer ok with my score and now that I am financially stable and have better credit knowledge I'm working to improve my score. I'm ready to let go of the past and move forward and wouldn't you know it my best chance at approval for a credit card was with this card. So this is a second chance not only for myself but for the company I never thought I'd give a second chance. 

After reading through the terms and conditions of this card I applied and was approved for a limit of $300 with a score of 604. This time around I feel confident things will be better and this relationship will be mended because...I really like their commercials and I'm tired of pretending I don't! =)


Savings

Savings over 1 year ‑$39
Savings over 3 years ‑$117

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Rewards

All Purchases

1% cash back per dollar

No cap on spending


Similar Offers

Capital One® Rewards No Hassle(SM) Cash Credit Card

Cardholders' Choice i
Balance Transfer Intro APR Purchase Intro APR Regular APR

Until Nov 2012

N/A

0%

17.9% - 22.9%

(V)*

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2014 through March 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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