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

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



1623 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

Jem211(1, 0)

approved with fair credit Helpful to 0 out of 2 people

I was skeptical about being approved or if I did, getting only a $300-500 credit limit. My scores on CreditKarma were around 620. Application process was extremely easy and incredibly fast. I enjoy that the next 9 months will be interest free. I got approved for a $2,000 initial limit. 

Jem211's response was:    

 
Jul 04, 2015

claw73187(1, 7)

I love Capital One!! Helpful to 7 out of 8 people

I used to have a 510 credit score barely a year ago. Wrecked my credit in college by getting and maxing out cards among other things. Started with FingerHut(expensive but like Walmart) and eventually had a 2400 credit limit. Applied for capital one approved for quicksilver one 300 Credit limit. Paid my first 3 payments on time and requested an increase. Instantly approved for $800. I do spend my card in full and pay in full before the statement close. I love this card and people who say you can't get a credit increase Are liars or they pay just the "minimum payment".

claw73187's response was:    

 
Jul 03, 2015
love this card!!!!!! Helpful to 6 out of 7 people

after having secured capital one for 3 months, applied and got approved!!!!! i love the rewards. you have to be careful when using because you recieve more awards when you swipe but you have to keep the balance below 30% or it will hurt your credit score. 

businessman1's response was:    

 
Jul 03, 2015

j11j11(1, 10)

Very satisfied Helpful to 10 out of 10 people

I applied for this card 1 year ago. At the time I had a relativly low Vantage score of 618. CK said I had a fair chance and decided to apply to start the road of improving my credit. I was approved for a $300 limit and 0% interest for 12 months on their credit steps program. I made certain to pay off the statement balance every time and never missed a payment. I did this for 6 months enjoying the cash back which payed for the annual fee 3 times over, and they gave me a $1000 bump in my limit. after one year another $2000 was given. I have only called customer service one time to inform them I will be using my card overseas on a vacation so they would not turn it off for fear of stolen identity. Very pleasant on the phone. I do all of my payments and checking online and it is very user friendly. My payments post within 24 hrs and usually shows within 3 days on my bank account. I have this card along with CapOne's Classic platinum. The Classic card mirrored the bumps in credit with this card. Never miss a payment and this card will treat you right. Love the cash back 1.5%. This is my new "Debit" card. If you dont carry a balance you need not be alarmed at the Regular APR%. Use it like a Debit card...pay off the balance ALWAYS... enjoy your score go up and up.  

j11j11's response was:    

 
Jul 02, 2015
Fantastic! Helpful to 10 out of 11 people

Forget the store cards, go for this if your credit with Credit Karma is in the range and they give you "Good" to "Fair" odds of approval. I applied for the Quicksilver One with "Good" odds and was approved with a score in the 590's, a week later I was approved for the Platinum with "Fair" odds, only because of another reviewer that had done the same and also being turned down for store cards from Amazon, Wal-Mart, Target and Macy's. The bank card with the Visa or MasterCard logo is much more valuable...this way I can chose where I shop. Screw the store cards...I will spend my money through Capital One because I do have  a choice where I spend my hard-earned money. 

consumerism101's response was:    

 
Jul 01, 2015

See all 1623 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 January 2015 through June 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.