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

1379 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 and got a big increase Helpful to 2 out of 2 people

decided to apply for this card 5 months ago as it was close to Christmas and could use a little extra, got approved for a limit of $300.  Which with my credit i was happy with.  Made 4-6 payments a month as $300 doesn't go far and got an email today from Cap one saying congrats your limit has been increased to $3,300.  Now i can actually use this to its full potential and get as much back on the 1.5% as possible as i like to pay off the balance every month.

diveman05's response was:    

  Apr 17, 2014

diveman05(1, 2)

Review by diveman05

1 Contributions 2 People Helped

Didn't Expect To Get Approved! Helpful to 7 out of 7 people

Bear with me here, this is my first review on CK.

I have been working hard to rebuild my credit - as of October 2012, I was around 515. I had a lot of items in collection from my college years, and instead of paying them all off, I let them get closed. Then I waited for about 7 years for items to drop off. Yep, I haven't had good credit since I was 19-20 years old (I'm 38). 

In September of 2012, I was able to purchase a car on my own with no co-signer (2011 Nissan Versa 1.8S Hatchback), and have never missed a payment. Additionally, I had an old First Premier Mastercard which was bought out by Capital One, and for the past few years, I had never missed a payment. I don't know if this made a difference or not, but my auto loan was through Capital One Auto Finance.

My First Premier (now Capital One Platinum) recently had a CL increase of $1000 - making the total available credit $1320 (that was out of the blue, btw, I didn't ask for it - but I had recently paid it off to under 20% utilization).

So CK recommended this card and said my chances of getting it were "Good" - so one day, while at work, I figured, "why not?" and applied for it.

Instantly approved for $3000. I haven't thought about asking for an increase right off the bat, but plan on using the card as my daily card and paying it off 80% every month to keep the 20% utilization.

I'm excited - and my due diligence about keeping my credit clean has paid off!

ejon154's response was:    

  Apr 14, 2014

ejon154(1, 7)

Review by ejon154

1 Contributions 7 People Helped

How fast is repsonse to Approved Helpful to 1 out of 5 people

Just curious if after applying is it an instant approval, just tired of the denial letters. My credit score is 604 I've had a bankruptcy with my ex husband and I need to rebuild credit in my name due to lack of credit. But every time I apply for credit and your report is ran it brings your CS down a few more points.  Just wondering if this card is the one I'm looking for to help build my CS back up.

princessodet's response was:    

  Apr 12, 2014

princessodet(1, 1)

Review by princessodet

1 Contributions 1 People Helped

FIRST UNSECURED CC SINCE 2008!!! Helpful to 6 out of 6 people

my CK is 586...and i got approved for $500 Credit Limit (Capital 1 Q.Silver Unsecured CC) and this new unsecured card arrived in the mail after 10 days...Probably, the reason why I got approve was because I have already owned a "SECURED"  CC with them, so I guess i built a good business relationship...I always paid my secured CC balance in full before the billing cycle ends (in my case it ends on the 22nd each month). And I only had my secured CC since last year (started with $300 CL, then i added $200 more funds=$500 total CL). so that's probably why I got approved and I was surprised, but very grateful as well.

Anyway, this is my first unsecured CC since 2008. Thank you Capital One for giving me a second chance, I will be a good paying customer in return. And looking forward to increase my credit score.

ARMYOIFVETERAN2003's response was:    

  Apr 11, 2014

ARMYOIFVETERAN2003(4, 6)

Review by ARMYOIFVETERAN2003

4 Contributions 6 People Helped

Not on my credit report yet. Helpful to 1 out of 4 people

I just got my card like a week and a half ago and I've noticed it hasn't been reported on my credit yet. I had another credit card with my credit union I work for and it showed up I want to say a few days of me being approved. Anyone else have this issue? Thanks.

Kittypage1's response was:    

  Apr 10, 2014

Kittypage1(3, 3)

Review by Kittypage1

3 Contributions 3 People Helped

See all 1379 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.