- Minimum Credit Required: Excellent, Good
- Annual Fee:None
- Network: VISA
|Initial Bonus $100||Base Earn 1.5%||Max Earn 1.5%||Earn / Redeem Limit No|
- One-time bonus of $100 once you spend $500 on purchases within the first 3 months.
- 50% bonus on the cash back you earn every year.
- 1% cash back on all purchases.
- Earn unlimited cash back that doesn't expire.
- Get your cash back anytime as an account credit or check, even set up automatic redemptions.
|Intro Rate 0%||Intro Period until June 2014||Regular Rate 12.9% - 20.9% (V)|
|Intro Rate0%||Intro Perioduntil June 2014||Regular Rate12.9% - 20.9% (V)||Balance Transfer Fee 3%|
|Cash Advance Rate 24.9% (V)||Cash Advance Fee 3% (min $10)|
- No annual fee.
- Personalize your card with an image of your choice.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.4% (V)
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
If you currently have the Capital One® Cash Rewards - $100 Cash Back Bonus and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Anonymous User:
Great cash back on purchases, a lot better than the rest of my cards, I have had the Capital One Cash Rewards card for a while now and I have had no problems what so ever. There are other perks and bonuses as well. Customer service has also been extremely professional everything I have had a question. Great card to consider if you are looking for a rewards card.
June 3, 2013 at 01:32pm
- Corey Leichty:
I love my Capital One Cash Rewards credit card. I recently signed up for this card after researching all the different kinds of rewards credit/debit cards. This one, according to my calculations, will give you the most cash back for all your normal monthly purchases. It is essentially 1.5% cash back on every purchase (1% + the 50% bonus per year) and they also have perks you can use for in store and online shopping that can give you even more cash back. As long as you pay your bill every month, this is free money in your pocket, so why wouldn’t you use this for ALL your monthly purchases and bills! You also receive a $100 bonus once you spend $500 in the first 3 months. Easy!
April 26, 2013 at 05:03pm
- Romeo Gj:
I have recently been looking for a new credit card and found Capital One to be exactly what I was looking for. The APR interest rate is not as bad as bad as some people make it out to be. There is no annual fees which made it that much easier for me to consider them. The customer service is great and the employees are very helpful with every question you might have. I had no credit score and Capital One has helped me a lot with getting financed with different purchases. I even received $100 cash bonus. Overall, I give Capital One two thumbs up.
April 26, 2013 at 04:52pm
- Anonymous User:
This Capital One Rewards card has been a very decent card for me, it's got rewards and no Annual Fee! What is there not to love. You definitely want a card with no annual fee or you'll be continue to waste money every year into creditors hands. Capital One has been a great company to deal with, they have excellent customer service. I have had a a few disputes in the past and they've credited me very smoothly, they are very easy to talk to over the phone. The only downsides with this card is the APR can be as high as 29.4%, so be sure to pay the balance in full. But all in all I recommend this Capital One Rewards card.
April 26, 2013 at 01:29pm
- Anonymous User:
The Capital One Cash Rewards card has been one of my most frequently used cards in my wallet. One of the reasons I would recommend it is because you get 1.5% cash back on all your purchases with no limits to what you can earn and no annual fee to offset all those rewards you'll be making. Capital One also just has great customer service and fraud detection too, where I've disputed claims on my card that were made illegally and they had no problem taking care of it. The Cash Rewards card is definitely one of the highest paying reward cards I've seen without an annual fee, so why get less back in rewards with another card when you could be using this one?
April 26, 2013 at 01:06pm
- Anonymous User:
I am like lot of people who found themselves in debt right out of school. This card saw me through a lot of difficulties. My credit was not that good, but I had high balances on other credit cards. I wanted to do a balance transfer so I applied for the Capital One Cash Rewards. I was approved. The main reason I chose this was my credit and their 0% interest rate. This really helped me get my payments under control.
April 25, 2013 at 06:52pm
- Anonymous User:
I am like lot of people who found themselves in debt right out of school. This card saw me through a lot of difficulties. My credit was not that good, but I had high balances on other credit cards. I wanted to do a balance transfer so I applied for the Capital One Cash Rewards-$100 Cash Back Bonus. I was approved. The main reason I chose this was my credit and their 0% interest rate. This really helped me get my payments under control.
April 25, 2013 at 06:13pm
- Sarah Kiles:
I was subject to identity thief pretty early in my life, and that kind of ruined my credit from the get-go. However, I was able to apply for this card and was approved. It wasn't only a great thing that my application was approved, moreover the card has some great benefits! Cash rewards allows me to spend money and get money back just for shopping, it really is a nice perk. The rewards with this card is probably some of the best out there in the market today. I really have enjoyed my experience with this card, and I would recommend it to anyone out there.
April 12, 2013 at 04:02pm
- Gary Bronco:
I had bad credit and was trying desperately to restore it. When I opened my Capital One bank account my rep suggested I try to apply for this card. Not only did I get it, but, I got a $250 limit that would increase to $500 after 3 months of on time payments. I paid on time and my limit is now $500. Add the fact that I earn cash rewards and don't get charged ridiculous interest and this ended up being the first solid decision I've made in a while. If you want a chance at getting on track, try Capital One, they truly do all they can to make you experience wonderful.
April 5, 2013 at 06:43pm
- Lois Harrison:
I was really credit challenged for quite some time. I started rebuilding my credit. At that point my credit was not stellar to say the least. I applied for a Capitalone secured card and was approved for card with a 200.00 credit line with a security deposit of $49. I made timely payments and received a credit limit increase within 5 months. At that point I applied for the rewards card and was approved for a credit card with a $500 credit limit. I have had my rewards card for about a year and I have received two credit limit increases. My current credit limit on my rewards card is $1500. If you are credit challenged Capitalone is an awesome company that believes in second chances.
April 5, 2013 at 03:34pm
- Heather McGraw:
I got this credit card recently, and I already love it! I've had a credit card from another bank for years now and have been happy with it, so I wasn't expecting to find a card that I liked even better - but I did! One of the things that I REALLY like about my new Capital One Cash Rewards card is that rewards are constantly being updated, and you can withdraw any amount at any time. With my previous credit card, I had to wait until each billing cycle closed in order to find out how much I had earned in rewards, I had to have a minimum of $20 in order to cash out, and I could only cash out a month's earnings once that month's billing cycle had closed. It was still great to get the rewards, but it was a lot of waiting. So, when I got my Capital One Cash Rewards card and started following my progress on the website, I was THRILLED to be able to watch my rewards building day-by-day with each new purchase that I made! And I made my first withdrawal long before the first month had passed. Now my Capital One Cash Rewards card is my primary go-to card that I'm using for just about everything. And I'm super-excited to know that every purchase I make is adding to that sweet 50% end-of year bonus. 50%! That's going to be so cool!
April 5, 2013 at 02:43pm
- Sheryl Papageorgio:
Capital One has always been the easiest company to deal with for credit cards for me. I have had several versions of Capital One rewards cards (no hassle rewards, venture, etc.) and the Cash Rewards card is my favorite. I love not having to pay an annual fee, and the cash back rewards are nice. As others have said before me, you really have to think of it as a 1.5% cash back card even though the bonus points come at the very end of the year. Some people want their points now, and are willing to take a reduction in points because of that. But if you can wait this card is worth getting.
April 5, 2013 at 02:35pm
- Vana Marie Gerardi Ross:
Have been a capitol one user since I turned 18- It was actually my very first credit card. Now, 10 years later, I applied again for this card. The main appeal to me was the no annual fee. I have not been utilizing my rewards on any of my cards as much as I can, so the other main appeal was the rewards. Capitol one seems to have a good grasp on the balance between keeping customers happy and a good program with high yield. When I joined, there was some sort of bonus, which was nice, and I think they gave me an extra $100.00 or $200.00. In General, Capitol one is very rough with increasing your credit limits. Even after being a customer for 10 years, never late, I have some issues when trying to increase my limits. About 4 months ago, I had a stolen wallet and this card was in there. Capitol one was great about not considering me "late" for the hold on the account (Bank accounts were affected as well) It did take some time, but within about 20 days, they had everything straight and reversed the charges put on fraudulently. I would recommend them to anyone. Out of the 5-6 credit cards, My Capitol One cards are my favorite.
March 21, 2013 at 05:16pm
- Jamal King:
I have gone through many a credit card, but my Capital One Rewards card has always been by my side. There are quite a few worthwhile benefits to having it, and the fees associated with the card itself are not at all extravagant. Though the credit increases are infrequent (only at 2000$ after 3 years) I have never had an issue with them. Always an on time paying customer, and have used the cash back feature so many it's crazy, in addition to a few perks. There's no other card on the market I rely on as much as my Rewards card.
March 14, 2013 at 06:03pm
- Carrie Letlander:
WARNING! Please do not obtain or do business with Capital One. Please do your research about C1. They are rated the worst credit card company. They are deceptive and becoming so large that they follow only their own rules. Please read reviews on this, soon to be monopoly of a credit card company. Do not do business with Capital One. Before applying do some research about their various lawsuits and deceptive business practices. Look at their ratings and how they slide in fees and raise rates. You will regret it.
March 13, 2013 at 10:33pm
- David Kauffman:
I recently added this card to my wallet after being a Capital One user for years. I have been using the Venture One card which is great for 1.25% back, but the extra.25% back on the No Hassle Cash Rewards card really sold me on this one. You just have to get over the mental hurdle that you get that extra.5% back in the end of the year as one lump sum of rewards. I am not sure what my interest rate is, but it doesn't even matter because I pay it off every single month. Capital One was also very generous with giving me a $10,000 limit too! With no annual fee, this card really is a much better deal in the long run than the Captial One VentureOne card, and would highly recommend this one over the others if you are just started out and getting your first card.
March 1, 2013 at 04:16pm
- Anonymous User:
I have had this card for a little over a year, and for my first real credit card I really don't have any complaints. Depending on what your shopping habits are, you may find other cards to have higher rewards, but I wanted to keep it simple and this card gives me 1.5% back across the board. Some people may also say the interest rate are high, but I don't carry a balance, so that doesn't mean much to me either. If you are looking for a simple card to build your credit and earn rewards while not paying an annual fee this is the card for you!
February 11, 2013 at 03:36pm
- Sarah Dutko:
I've had this card for over 5 years, and in general I've been very pleased with it! I really like the cash-back feature - I was able to redeem cash more than once very easily, just had a check mailed to me, which arrived within a week in each case! There was no sign-on-bonus when I got it, it was clearly a long time ago, wish they had had that then! But I have been happy with it overall. The credit limit is a little lower than I'd like compared to my other credit card ($1500 versus $3000), but there are worse things. The only complaint I have had had was from a few years ago, when I had a mix-up because of the difference between the paper bill I received, which didn't list up-to-the-moment account fees, and the online billing. At the time I used the paper billing system, and paid off my balance early before the end of the month. Because the paper bill didn't show the extra fees, I went my merry way, assuming my balance was zero. Not so. After the next couple months when I didn't use my card at all, I ended up receiving a letter about overdue amounts, and had to pay interest just on the fees, which were originally a couple dollars or less! Because I didn't actually CHARGE anything during those months, I didn't receive another paper bill, so I assumed that my balance was taken care of. After calling and taking care of the small balance, I tried to find out if it would affect my credit score, which I obviously didn't want. They assured me it wouldn't, but apparently that doesn't mean anything, and it showed up on my credit score anyway. So if you have this card and are planning on taking a break from using it for a while, MAKE SURE you check your REAL balance online and don't trust a paper bill, if you get one! Other than that, Capital One has been great!
February 8, 2013 at 08:38pm
- Katie Albee:
I really like my Capital One Cash Back card. My only qualm with them is the lack of credit limit increases. I got this card a few months ago, and this one, along with my other Capital One card, has been sitting at a $500 credit limit. It's disappointing, because I'd be able to use it much more if the credit limit was higher. As a general rule with Capital One that I've noticed, is that when you ask customer service about an increase, they give you some sort of scripted response to tell you they'll just randomly review your account to see if you're eligible. I'm really digging the cash back feature. It's nice to see my rewards balance increasing whenever I use it. If only I could use it more!
January 25, 2013 at 10:16pm
- Annemarie Pillowfingers Lange:
I got this credit card before I went to Japan since there is no international fee. I used it to purchase plane ticket so I could receive the $100, which I was able to use towards my bill! I lost the card a week before I left. When I called, I mentioned I was worried I wouldn't receive it in time and they sent it with 2-day shipping for free! The customer service was great and they informed me of all my options in case something happened to it overseas. They have a free number you can call internationally if you need to. I also love the cash back program. Great credit card!
January 25, 2013 at 03:40pm
- Nic Alexander:
I have had this Capital One Cash Rewards Credit Card for about a year now. It is a great starter card for someone getting a credit card for the first time. It offers awesome cash back rewards during the first year, and can be used at thousands of your favorite location. Plus if you into doing everything online like myself, the Capital One website is very easy to use. The application process is also super simple! Just enter your basic information and you will know if you are approved within a couple of minutes. They also help you select the card that is right for you and your everyday life. I have always heard good things about the Capital One company, and most say they are all true. Customer service is very friendly and helpful, Billing has no hidden fees or charges, and payment options are offered in many ways. So if you are in the market for a credit card, I say give Capital One a shot!
January 11, 2013 at 07:09pm
- Bob Regin:
So, I've always pretty much been of the attitude that a credit card is just a convenient way to purchase stuff. After that most of the bonus perks they offer are just a gimmick. The Capital Cash Rewards Card changed my mind, but only a little bit. Any card that has a cash bonus on it sounds nice to me. Who doesn't love free money? All I have to do it spend $500 in the first 3 months. Even just putting gas on this card will get me there soon. The application process was very quick and I haven't needed customer service yet.
January 11, 2013 at 04:22pm
- Roark Fisher:
I used to have a points reward card but was tired of being restricted on how I spent my points so I recently got the Capital One Cash Rewards card. My biggest concerns in getting this card were some negative reviews I had read about credit limits and poor customer service. However the customer service was friendly and helpful when I called and I was actually given a credit limit greater than I had on my old points card. I make all of my purchases on my card and pay off the balance each month. I actually became eligible for the $100 bonus the first month and it posted quickly. It has been nice to know I have cash rewards I can use on anything rather than just point rewards. The card has also been simple to use as I don't have to adjust my reward categories to get the 1.5% (if you count the bonus) on all purchase categories.
January 3, 2013 at 11:28pm
- Christina Smith:
I have had the Capital One Cash Rewards card for six years. I have been very pleased with their customer service, their fraud prevention, and the ease of their cash back program. Over the six years there have been several attempts by others to fraudulently place charges on my card, and in every case that I can remember Capital One called me before I had even noticed the charges! They were very easy to work with and fixed the problem with no effort at all by me. As for the cash rewards, they are so easy to earn and redeem - I earn several hundred dollars each year which I then apply as a statement credit when I need a little extra cash. Most recently I applied $150 to the Christmas presents I had bought! What a great way to save money. I highly recommend this card to anyone who would like to get a little extra back for the purchases they make.
January 3, 2013 at 09:10pm
- Mace Somers:
I highly recommend this card. I recently got this card a few months ago and it is amazing. The $100 bonus helped a lot. I like the option to get cash back on stuff. I like the fact that when I spend money on things I need I can get cash back. With this card it is like other credit cards I have use the interest rate is about the same. I also like that Capital One has an app where you can check anything on the go. It may be a small amount of cash back. But that little bit adds up over time. The customer service was also very great when it came to any questions or concerns.
January 3, 2013 at 09:05pm
- Tim Hansell:
Highly complementary to other rewards cards. 1% cashback on all purchases with a bonus 50% on all cashback earned after one year so basically a 1.50% cashback card. If you're savvy about rewards cards like me and use the correct (Chase, AmEx, Discover, Citi, etc.) card to maximize your earnings on specific categories I highly recommend getting the Capital One Cash Rewards card to maximize your rewards on categories you aren't getting cashback for in excess of 1.5%. Plus- CapitalOne lets you apply your earned cashback rewards to your statement as soon as they clear so you don't have to wait to reach a certain amount (like $20, $25, $50) to redeem rewards.
December 26, 2012 at 05:33pm
- Anonymous User:
I got this credit card shortly after starting college. The $100 bonus really helped during some difficult times during my freshman year, and the card itself got put to use nearly right away, since I caught mono that year and purchased, repaired, and lost two used cars. It helped a lot to be able to put some purchases on my card and then pay it off after I could begin working again. I try not to use my credit cards unless I need to, but when I do use a credit card, this is the first one I pull out. I have had this Capital One card for several years now and have been very satisfied as a customer.
December 14, 2012 at 02:42pm
- Prescott Kagan:
I was planning on making a big purchase and was looking for ways to save money in the long run. Saw this card with a 100 reward and went for it. Great bonus offers and 100 dollars cash back off the first 500 purchase. I had no problems whatsoever in signing up and the customer service so far has seemed quite good. There is no annual fee which is refreshing in these times. The APR isn't the greatest but with all the savings your getting on the rewards as long as you keep your balance down you should be fine. For anyone looking to save a little off every purchase this is a great option. Highly recommended.
December 7, 2012 at 03:51pm
- Bradley Rettler:
Obviously the reason to get this card is for the $100 bonus. You have to spend $500 on the card in order to get it, but that's not hard at all; I did it in the first month. Even if you never use the card after that, it's still worth applying; essentially you get 20% off of $500 worth of purchases. The reason to stick with the card is the 50% cash back rewards bonus, the lack of an annual fee, and the customer service. This isn't my everyday card (I have a card that gives me more cash back on gas and groceries), but it's great for big-ticket items, in large part because of that extra 50%.
November 30, 2012 at 05:24pm
- Anonymous User:
My wife and I just signed up for the Capital One Cash Rewards - $100 Cash Back Bonus card just last month for Christmas shopping. The best thing about this card is the $500 in 3 months threshold is extremely doable and we’ve already hit it within a few weeks. That mean’s I’ll receive my $100 cash back so I can put it into my savings after spending so much on Christmas. We were debating which card we wanted to use for our everyday bills and I think I’ve set on this one. The rewards are just too easy to come by and we would use it every single month for our necessary bills, meaning no over spending on unnecessary items. I’ve used Capital One in the past and have had no issues; I’m not planning on being disappointed with this one.
November 30, 2012 at 04:54pm
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The card information shown on this page was last updated: June 14th, 2013 at 6:21 EDT
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