5 Capital One No Hassle Rewards® Card Questions (Answers & Reviews)

5 Capital One No Hassle Rewards® Card Questions (Answers & Reviews)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: October 18, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

It just figures. You’ve been a good little shopper, using your rewards credit card diligently to rack up the points, and it’s finally time to redeem them for that trip of your dreams — when you hit a blackout date. Trip canceled.

Rewards may be one the of the best reasons to use your credit card these days, but most companies don’t make it easy to reap those rewards. Those who are tired of the blackout grind have turned to Capital One No Hassle Rewards® cards.

The name “No Hassle” is more than just hype for Capital One, which allows users to redeem points, miles, and cash back rewards at any time, without facing redemption restrictions. Get answers to our top seven Capital One No Hassle Rewards® card questions below.

Where to Apply | Top Cards | Rewards Catalog | Cash Back | Check Status

1. Where Can I Apply for a Capital One No Hassle Rewards Credit Card?

The most convenient — and informative — method for getting to the application is to use the links on any of our Capital One credit card reviews, where you can compare cards, pick your favorite, and go straight to the application.

You can also apply at your local Capital One branch, through the Capital One website, or by calling this number to speak with a representative:

1-800-695-5500

The application process requires you to answer basic questions about your identity, income, and employment. Applications can be approved in as little as 60 seconds for well-qualified applicants. If your application needs to be reviewed, it may take up to a week before you get notice one way or the other.

2. Which Capital One Rewards Cards Have the Best Reviews?

When it comes to Capital One cards, the reviews indicate there really isn’t a bad option in the bunch. That being said, we know not all cards can be the best cards, so here are our experts’ top five Capital One rewards cards:

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.24% - 23.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
12.24% - 22.24% (Variable)
$0
Excellent, Good Credit

EXPERT'S RATING

★★★★★

5.0

OVERALL RATING

4.9/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
13.24% - 23.24% (Variable)
$0
Excellent, Good Credit

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
13.24% - 21.24% (Variable)
$0
Excellent, Good Credit

+See More Capital One Credit Card Offers

3. How do I Redeem Points & Miles through the Capital One Rewards Catalog?

Capital One takes its No Hassle policy seriously, making it simple to redeem your rewards at any time. Redemption can be done through the website by logging into your Capital One account. You can also cash in your rewards through the Capital One mobile application.

However you access your account, redemption will occur through the rewards catalog, where you can see the variety of redemption options. Your Capital One rewards, including miles, can be redeemed for flights, hotels, or even gift cards.

For a miles card, you’ll likely see an equivalent value of around $0.01 per mile redeemed — so your 40,000 miles will net you $400 in travel. Your cash back value will vary based on your card offer, but averages around 1.5% of your purchases.

4. Can I Get Cash Back with my Capital One Rewards Card?

You can actually get cash back from your Capital One rewards cards in two ways. The first is to get a dedicated cash back card, such as the Capital One Quicksilver Cash Rewards card.

If you have a Capital One miles card, but can’t use up all the miles you’ve accrued, you can get cash back from your rewards, too. Miles earned with your rewards card can be redeemed for a cash and gift cards at any time.

5. How do I Check the Status of Capital One Rewards?

All the rewards in the world won’t do you any good if you don’t know you have them. Thankfully, checking the status of your Capital One rewards is as easy as signing into your account dashboard, either through the website or mobile application.

From your account dashboard, you can check on your rewards or redeem your points and miles, at any time. The “No Hassle” in Capital One No Hassle Rewards, means you can get the rewards you want, when you want, without fear of blackout dates or other redemption restrictions.