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No Hassle CashSM Rewards Credit Card

FAQ

Rewards Master Card
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Get more cash back on your purchases of gas and groceries with a No Hassle Cash Rewards credit card. Plus, there’s no limit and your cash rewards won’t expire!

  • 2% cash back on purchases at gas stations and major grocery stores
  • 1% cash back on all other purchases
  • 0% APR on purchases until May 2010
This Credit Card At-A-Glance
Important Disclosures
Rewards:2% cash back on all purchases at gas stations and major grocery stores

1% cash back on all other purchases
Purchase APR: 0% until May 2010;
after that, 17.9% variable
Transfer
Information:		17.9% variable APR
No Transfer Fee
Annual Fee:$39
  • I have had my own credit card for less than three years or never had one
  • I have a limited credit history, for example I am a student, or new to the country, or a young person working for a living, or I have been an authorized user on someone else’s credit card
  • I have a valid credit score that can be found at one of the major credit reporting companies

See how quickly your cash can add up

Special Purchases (per month)
2% on Gas and Groceries $36
1% Cash Rewards $18
Total Cash Rewards $54
Food $75
Gas $75
Regular Purchases (per month)
Drug Stores $25
Clothing $25
Entertainment $50
Other Purchases (per year)
Shoes $50
Stereo $250
Bicycle $300
Yearly Total $3,600

The choice is yours. Use your cash back for:

  • Cash: Pad your savings account for that next big purchase
  • Gift Cards: Gift giving just got easier with our brand-name gift cards
  

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Enjoy exclusive credit card benefits

$0 fraud liability
If your card is lost or stolen and used without your authorization, you will not be liable for those charges.
24-hour travel & emergency assistance
If your credit card is lost or stolen you can get an emergency card replacement and a cash advance.
24-hour roadside assistance
If your car breaks down or you get locked out, call us and we'll send someone to the rescue.
Extended warranty program
You’ll get additional warranty protection at no charge on items that are purchased with your credit card and already come with a warranty.
Travel accident insurance
Get worldwide automatic travel insurance at no extra charge when you use your credit card to purchase your fare.
Auto rental insurance
Rent a car with your credit card and you can get collision, damage and loss insurance.
View the Complete Guide to Credit Card Benefits for this Platinum MasterCard®
How do I earn cash? 
You'll earn 2% cash back on your net purchases (purchases minus any credits or returns) at gas stations and major grocery stores. And you'll earn 1% cash back on all other purchases.
The following items will not earn cash or bonus cash: cash advances, transferred balances, any checks used to access your account, finance charges, fees of any kind, service charges, unauthorized charges and ATM.
How do I get my cash?
You can ask for your cash anytime you want by calling the Rewards Center toll free or going online. You can even set a specific threshold for redemption in which you would automatically receive your cash back. To redeem your cash, your account must be open and in good standing, which means it isn't past due, overlimit, fraudulent, restricted, part of a consumer credit counseling program or in a bankruptcy settlement.
Is there a limit to the amount of cash I can earn?
There's no cap to the amount of cash you can earn on purchases.
Will I have to shop at certain stores to get my cash back?
No! Shop anywhere MasterCard® is accepted. Your Capital One No Hassle Cash Rewards MasterCard® never limits you to a "select" vendor, like some other cards do.
How is my cash-back reward calculated?
You earn rewards for every qualified purchase you make.
Will my cash ever expire?
Your cash is yours for the life of the account—it won't expire. But if your account is closed, you'll lose any cash you haven't redeemed.
Can I redeem for something other than cash?
You can also redeem for gift cards. Rates for this redemption option vary and are subject to change without notice.
Is it possible for me to lose my rewards?
As long as your account is open, you will not lose your rewards. However, your account must be in good standing in order to redeem your rewards.
What are the eligibility requirements to redeem rewards?
Your account must be open and in good standing (not past due, overlimit, fraudulent, restricted, part of a consumer credit counseling program, or bankruptcy settlement) to be eligible to redeem for rewards.
What does no limit on rewards mean?
It means that there's no limit to the amount of rewards you can earn, and those rewards don't expire for the life of the account.
How long will it take to receive my reward?
Statement credits will be applied within five to seven business days of redemption. If a check or gift card is requested, it will be sent to the account holders' mailing address on file within 30 days of the redemption request.
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