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Offered by: Capital One

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

  • 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
N/A
Typical Low: N/A
Typical High: N/A
Until Nov 2012    

0%

17.9% - 22.9%

N/A

17.9% - 22.9%

 

(V)*

 

(V)*

* 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 on the provider's website.

Offer Details:

Cash Advance Rate

24.9% (V)

Annual Fee

$39

Late Fee

up to $35

Cash Advance Fee

3%, Min: $10

Balance Transfer Fee

$0

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

‑$39

‑$39

‑$39

 

Savings

Total Annual Savings

‑$39

‑$39

‑$39

Total Savings over 3 Years

‑$117

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $39
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Current Balance
Credit Limit Utilized

Sample Size: 6,456
Data Created: February 02, 2015



1559 Cardholder 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 Recent Reviews

New to Credit-- Happy so far. Helpful to 3 out of 3 people

I was approved for the QS1 with a 697 Credit Karma score, but a very thin file (two high-balance student loans, low monthly payment, 100% on-time since 2011.) This was my first card, besides a $300 BoA secured I was approved for simutaneously. I was surprised to recieve a $1000 CL, as my income is only $22,000 a year. I advised that my boyfriend, who has numerous derogatory items and very little history (but higher income,) to try for it as well. He only got a $300 CL, but was happy to recieve his first card, after being denied by his bank a couple of times. So this card seems quite easy for both no credit and bad credit, but is more accepting of a thin file than a nasty one.

I really like the online interface and paperless statements. Setting everything up was a breeze, and the free TU monitoring is a definite plus. The APR is high, but was not something I was shopping for, since I'm in a good position financially. Just needed to start building credit. This is a great card to do this with. Yeah, there's an annual fee, but its easily negated with the "rewards." With this mindset, it's not a rewards card, but a nice first credit card with "no" annual fee.

Approval wasn't instant, since I have a fraud alert right now from tax season. But communication was quick and clear, and I was approved swiftly after faxing the required info.

It's not yet showing up on my credit reports, but it's only been a week since my first payment. Cap1 seems to have a good reputation, so I'll wait it out a bit.

thrashette's response was:    

 
May 26, 2015

thrashette(3, 3)

Nope Helpful to 8 out of 12 people

I applied for this card after getting the offer through CK, with the approval rating of very good of getting approved. Applied and denied. If you are going to post these offers, be honest. Quite upset because my credit is not as bad as some of the reviews I've read. 

kmb401's response was:    

 
May 26, 2015

kmb401(1, 8)

Given 7-10 days message but got approval Helpful to 17 out of 20 people

I received a letter from capital one saying I was pre-approved for the Platinum card, after submitting an app online I was awarded a $300 limit- not much but my credit is not the greatest 550 score when approved with 5 medical collections on my eq report. They did pull all three reports. After about a month I decided to try for the quicksilver one card- was given the 7-10 days to review the application message so I assumed I was DENIED BUT after 14 days I got an Email from them saying I was APPROVED for $300 limit- I pay both my cards off every month and am looking forward to my CLI in 4 months on both... time to garden for a bit

Heartvine's response was:    

 
May 23, 2015

Heartvine(2, 19)

See all 1559 Reviews of Capital One® Rewards No Hassle(SM) Cash Credit Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 November 2014 through April 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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