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Thursday, March 28, 2024

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

Capital One No Hassle Rewards
Ashley Fricker

Written by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

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 rewards don’t seem very rewarding if you feel like they are nearly impossible to redeem, or if you’re planning trips around blackout dates rather than dates that are actually best for you and your family. 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:

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (Variable)
$95
Excellent, Good

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
19.99% - 29.99% (Variable)
$0
Excellent, Good

3. Capital One Spark Cash for Business

This card is currently not available.

Capital One® Rating

★★★★★

N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

Additional Disclosure: Information for this card not reviewed by or provided by Capital One.

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
19.99% - 29.99% (Variable)
$0
Excellent, Good

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

  • 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
21.24% - 29.24% (Variable)
$0
Good

+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 Credit 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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.