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Credit Card Reviews » Capital One® No Hassle Points(SM) Rewards |
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The Capital One® No Hassle Points(SM) Rewards card is a great rewards card for those with a limited 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 October 2008, and the interest rate is reasonable 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 a limited credit history 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.
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0% Intro APR on Purchases for until December 2008
16.65% Regular Variable APR for Purchases
22.65% Regular Variable APR for Cash Advances |
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$29 Annual Fee
25 days Grace Period |
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| (* The introductory rate of 0% is available on purchases until December 2008) |
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| Finance Configuration: Average daily balance (including new purchases). |
| Additional Cardholders: $0 |
| Late Payment Fee: Your late payment fee will be based on the amount of your account balance at the time the fee is applied. Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balances of $250 or more = $39 fee. |
| Over-The-Limit Fee: $19 |
| Cash Advance Fee: 3% of amount of the cash advance, but not less than $10. |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: $300 |
| Maximum Credit Limit: $3,000 |
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| Type of Reward: Point |
| Points per Dollar: 1.00 |
| Additional Points: 5 points per dollar spent at gas stations, major grocery and drug stores. No limit on points earned and they don′t expire. |
| Bonus Points First Purchase: n/a |
| Bonus Points Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Capital One® No Hassle Points(SM) Rewards: |
Various Internet account related services.
Extended warranty for purchases.
Travel accident insurance.
Roadside assistance.
Access to Exclusive Savings at Capital One Savings Zone.
See website for additional benefits. |
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| Important Notes for Capital One® No Hassle Points(SM) Rewards: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Capital One® No Hassle Points(SM) Rewards was updated on April 03, 2008. 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. |
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