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
615 Average Credit Score Approved for this Card
557 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Until Nov 2012    

0%

 

17.9% - 22.9%

(V)*

N/A

 

17.9% - 22.9%

(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 "Take Offer" 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

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

  • 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.

Compare Holders of this Card
Current Balance
Credit Limit Utilized
Sample Size: 62,028
Data Created: October 01, 2013

1384 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

CK 578 & APPROVED! 500 CL!

Thank you capitalone for trusting me and helping me rebuild my credit.

I've had a Capital One Secured CC for ~10 months.

~1000 in collections.
~public record from 2010

~16 hard inquries from a car dealership that I have my current car loan from :/ 

I was reading through the reviews of this CC, and thought, meh why not try it.

I was extremely suprised when it popped up saying "Your approved!"

Hopefully they will do decent CL increases over  time with this card unlike their other cards.

coldfront1's response was:    

  Apr 24, 2014

coldfront1(1, 0)

Review by coldfront1

1 Contributions 0 People Helped

APPROVED!!!!!!

Discharged from BK in January...... Trying to rebuild my credit ... I decided to apply due to the feedback that I received on here and I got approved with a score of 624.......... Can't wait for an increase in five months!!!!!Oh yeah I forgot to mention that I filed my secured CC through capital one with my BK...... Guess they believe in second chances.

Apr 23, 2014
APPROVED!!!!!!

Discharged from BK in January...... Trying to rebuild my credit ... I decided to apply due to the feedback that I received on here and I got approved with a score of 624.......... Can't wait for an increase in five months!!!!!

Apr 23, 2014
Happy With Card Helpful to 3 out of 5 people

I don't know my real credit score but credit karma has me at 614. I previously had a credit card when I was 18 with capital one, lost my job and didn't pay so it went to collections in 2009. So I was really surprised I got approved and for a $1000 limit. It could have to do with my monthly income as well but I'm hoping to raise my credit score even more. I really like the 0% apr until dec 2014 too.

rizzio191's response was:    

  Apr 21, 2014

rizzio191(1, 3)

Review by rizzio191

1 Contributions 3 People Helped

instant approval Helpful to 1 out of 1 people

instant approval.

CK 620

500  Initial credit line

Major accross the board default in 2008. Currently have their secured card ($200) with 2% util as well as a car loan (26k, 6.5%) declared income :$120k

remember guys, relationships matter.

funny side cap one is one of my major defaults in 2008

Apr 20, 2014

See all 1384 Reviews of Capital One® Rewards No Hassle(SM) Cash Credit Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.