Capital One® Cash Rewards


  • $100 bonus after 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
  • No annual fee
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until June 2014
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 0.00% until June 2014 0.00% until June 2014 12.9% - 20.9% (V) Cash Back

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Capital One® Cash Rewards Quick Summary:
This is a Visa cash back rewards card, issued by Capital One. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 12.9%* and may be as high as 20.9%* (V), depending on your credit worthiness*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% until June 2014*. There is also a purchase introductory APR of 0.00% until June 2014*. Be cautious that some card issuers may charge higher rates and fees for cash advances.

There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 699 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Capital One product.

Other Basics:
The grace period listed for the Capital One® Cash Rewards is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Approval Rate:
There were 7 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 71% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 699, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 88% of 8 users recommend this card.

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