Capital One® No Hassle CashSM Rewards - Average

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  • Who Uses This Card: This card is best for consumers that have average credit, pay in full, tend to spend more on gas and groceries, and don't mind paying an annual fee for a cash back rewards..
  • Editor Comments: Here is a card for folks with average credit defined as currently have or have had a loan or credit card, credit limit less than $5,000 and may have been late on more than one credit card, medical bill, or loan payment in the last six months. It offers more cash back on your purchases of gas and groceries with a 2% cash back plus an additional 1% cash back on all other purchases. There is no limit on rewards and no expiration. There is an extensive introductory 0% APR then variable APR thereafter. There is no balance transfer fee but the balance transfer APR is on the high side. Downside: There is a $39 annual fee.
  • Card issued by : Capital One
  • Card Type : MasterCard
  • Card Class : Platinum
  • Card Category : Cash Back,MasterCard
  • Margin Index : Prime + 16.55
  • Purchase APR : 19.8% V
  • Finance Calculation Method : Average Daily Balance
  • Minimum Credit Limit :
  • Maximum Credit Limit :
  • Annual Fee : $39
  • Over-the-Limit Fee : Will only charge you an over-the-credit-limit fee if you choose to accept this account option. $0 if your credit limit at the time the over-the-credit-limit fee is assessed is less than $500. If your credit limit at that time is greater than or equal to $500, then your over-the-credit-limit fee will be $29. depending on balance
  • Late Payment Fee : $15 - $39 depending on balance depending on balance
  • Penalty/Default APR : 29.40% V
  • Penalty/Default Trigger : If your payment is not received within 60 days after the payment due date, they may increase your Interest Charges and Fees for existing balances and new transactions at any time.
  • Maximum Default APR :
  • Universal Default Clause : No
  • Foreign Currency Fee : 00.00%
  • States Available in : ALL
  •  
    Purchase
    Balance Transfer
    Cash Advance
    Introductory Rate
    Introductory Period
    Grace Period
    Balance Transfer Fee
    Cash Advance Fee
    Minimum Fee
    Maximum Fee
    		0%
    Until April 2011
    25 days
    N/A
    N/A
    N/A
    N/A     		N/A
    None
    None
    None*
    N/A
    None
    None    		 24.90% V
    N/A
    None
    N/A
    3.00%
    $10
    None
  • Rebate Description: 2% cash back on gas and groceries. 1% cash back on all other purchases. No limit on the cash you can earn and cash won't expire. Get your cash back whenever you want.
  • Special Notes:
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