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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



1400 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

A chance to start over...... Helpful to 1 out of 3 people

I destroyed my credit when I was young. I didn't realize the value of having good credit. In 2013 I had a CS of 529 and began to stop the bleeding. I had applied to Capital One 3 different times and was turned away. I paid off most of my past debt and watched my credit score rise. As of Feb 21 TU 646 EQ 586. CK gave me a "good" odds of getting approved for this card. I didn't want to apply because of being denied so many times in the past. I read several reviews on this site about the card and decided to give it a shot. Filled out the app hit submit and in 60 sec I got a message on my screen that I was approved. It was only for $300, but it's a start. Discover and Barclay didn't give me a chance and Capital One did. Thank you Capital One and CK for the chance to start over. 

rockbttm442's response was:    

 
Mar 03, 2015

rockbttm442(1, 1)

Approved For 2,000.00 Helpful to 1 out of 1 people

I have Fair credit (665) and this card will be paying off a high intrest card. I did not want to do a balance transfer because I still want the old card for my credit history. Im very happy.

Yeah4it's response was:    

 
Mar 02, 2015

Yeah4it(1, 1)

GREAT i was approved Helpful to 6 out of 8 people

i was a pproved for this card 3k limit with a Credit Karma TU of 728 and Equifax 687. trying to get back on track

thaman3131's response was:    

 
Mar 02, 2015

thaman3131(1, 6)

Good Helpful to 1 out of 2 people

I noticed all of the positive reviews so I decided to give it a shot I was instantly approved for $500 CL. 

Mar 02, 2015
Declined

Odds approval said very good applied with a Score 660 very disappointed. 

Mar 01, 2015

See all 1400 Reviews of Capital One® Rewards No Hassle(SM) Cash Credit Card

† 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 September 2014 through February 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.