The Capital One® No Hassle Points(SM) Rewards card is a great rewards card for those with an average credit history.
Through the reward program, cardholders will earn five points per dollar spent at gas stations, major grocery and drug stores, and they earn one point per dollar spent on all other purchases. Points are redeemable for merchandise, cash, travel, and gift cards. There is no limit to the amount of points that can be earned, and points don't expire.
This card does have an annual fee of $29; however, there is a 0% introductory rate on purchases until June 2009, and the interest rate is high thereafter.
This card provides common platinum benefits such as emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping.
Therefore, those with average credit who want a points rewards card with a 0% introductory rate on purchases will benefit most from what the Capital One® No Hassle Points(SM) Rewards card has to offer.
Review Date: January 02, 2009
Note: The review on this card was updated on January 02, 2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Intro Rate (Intro APR):
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0% on Purchases until June 2009 |
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Intro Applied Towards:
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Purchases |
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Additional Intro Details:
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A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details. |
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Purchase APR:
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16.90% |
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Cash APR:
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22.90% |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
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Annual Fee:
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$29 |
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Grace Period:
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25 Days |
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Over the Limit Fee:
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Credit limit of $0 - $499.99 = $19 fee; credit limit of $500 - $999.99 = $29 fee; credit limits of $1,000 or more = $39 fee** |
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Cash Advance Fee:
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3% of amount of the cash advance, but not less than $10. |
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Balance Transfer Fee:
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None |
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Minimum Credit Limit:
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$300 |
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Maximum Credit Limit:
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$3,000 |
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Points Per Dollar:
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1 Point |
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Additional Points:
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5 points per dollar spent at gas stations, major grocery and drug stores. |
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Point Details:
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Points are redeemable for merchandise, cash, travel, and gift cards. |
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Expiration:
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None |
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Yearly Limit:
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No |
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Most Attractive Feature(s):
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| Common platinum benefits; reward program. |
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Least Attractive Feature(s):
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| Annual fee. |
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Additional Features:
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Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance.
24/7 customer support and online account service.
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. |
This card is for applicants with Average Credit.
*See Capital One® important disclosures for more information.
**The over-the-credit-limit fee will be based on the amount of the
cardholder's credit limit at the time the fee is applied.
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