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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



1452 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

Approved with 577 Transunion Helpful to 8 out of 8 people

I was approved for $500 and enrolled in the credit steps program. I already have the regular platinum mastercard with $300. I applied after doing the prequalifying offers on the Capital one website. I love that the rewards are instant and you can track your credit through their website as well. So far all is well, I will update in 6 months when I receive a higher credit line!!!!

CAKEZ718's response was:    

 
Mar 31, 2015

CAKEZ718(3, 11)

CK Score: 571 - TU, 599 EQ. Approved! Helpful to 9 out of 10 people

My first card with Capital One was the Student Journey rewards card which I was approved for $300 CL, and with 6 months of responsible use, I got bumped up to $500. (I carry a balance on that one!) I'm surprised to see that I was approved with "Fair" approval odds from Credit Karma.

I've had some credit issues (during my college years) and now I am taking the long road in recovering. (Working hard and paying off my debts ON TIME, EVERY TIME) I had to start with a secured card through my home town bank. $300 CL. Started using that and slowly I was able to get my first Capital One Student Journey card. And after that I was approved for CREDIT ONE BANK gas rewards card $600 CL. After that I wasn't approved for much since I had high balances -- but always paid on time. After I landed a nice full-time job, I was able to pay on my student loan debts and my existing credit cards. Wasn't approved for an auto loan (which I was trying to do this past year.)

I also have a Fingerhut account, which I started with the Fresh Start program. Paid off my balance and NOW

I have this Quicksilver card $500 CL AND

Victoria's Secret credit card $350 CL!!

This was today that I was approved for both cards!! So happy :) I've learned how to responsibly use my credit cards and it's paying off!! One step closer to a new car

noubies's response was:    

 
Mar 30, 2015

noubies(1, 9)

Approval Odds Fair But Approved! Helpful to 10 out of 11 people

CK has credit score TU 508 EQ 527. I already have a secured card with Capital One and approval odds show "Fair". With the credit tracker from Capital One, it shows my actual credit score at 592. Applied because I'm working on rebuilding and rewards are phenomenal. Approved with $500, possibly because I already have one of their cards. Don't be discouraged by credit score! Capital One is an awesome company with great customer service and really gives you a 2nd.. and sometimes 3rd shot at getting it right! TBC with credit increase in few months!

MJB2015's response was:    

 
Mar 30, 2015

MJB2015(1, 10)

Thanks to Capital One I'm rebuilding Helpful to 56 out of 60 people

This is a great card for those looking to rebuild their credit. I've have 2 cards from CO suggested by credit karma. I love using the Quicksilver card because of the rewards. I use this card often for bills, gas and food. I pay it in full every month before the statement date. My credit utilization at the most has been 11%. It's only been 3 months and I already received a $1000 credit increase. This increase will most likely make me a loyal CO customer. When my score is over 700 I will apply for the Venture Rewards card. I started with 611, currently 652 once my CLI reports I hope to be around 680.

Fanofcapitalone's response was:    

 
Mar 26, 2015
I am grateful to have received this card Helpful to 9 out of 10 people

This card has been beneficial. Since using Credit Karma and this card over the past 7 months roughly I have had a good overall experience. I made every payment on time and was granted an increase from the initial 250.00 limit to 500.00. My score originally was extremely low. Under 500 and I am currently up to 630. My credit is not flawless by it feels great to have impoved my credit. 

powerofganesh's response was:    

 
Mar 25, 2015

powerofganesh(3, 11)

See all 1452 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 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.