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Capital One® Cash Rewards - Excellent Credit

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Intro APR

0% on Purchases until June 2014*

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Intro BT

0% until June 2014*

Expert Review:

Capital One® Cash Rewards - Excellent Credit Credit Card

Rating
Overall Rating
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Introductory APR
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The Bottom Line

With this card you can save lots of money with a steady 1% cash back program, while also enjoying a 50% bonus on the cash back you earn every year. There is no annual fee, and new card members can get a $100 bonus sign-up perk.

The Good

You start off right out of the gate with $100 bonus cash that is yours as soon as you spend at least $500 within the first three months of card membership. You also earn 1% cash back on all your purchases. Each year you get a 50% bonus on the cash earned that year.

The Not so Good

You need excellent credit to qualify for this card.

Capital One® Cash Rewards - Excellent Credit

Features
Intro APR: 0% on Purchases until June 2014*
Regular APR: 12.90%-20.90% (Variable)
Balance Transfer: 0% until June 2014*
Annual Fee: None
Credit Needed: Excellent, Good

Highlights

  • $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.

Rates & Term Details

From the CompareCards.com Editorial Team:

The Capital One Cash credit card is a great 1% cash back card for those who want to capitalize on unique perks like the $100 new member bonus and the annual 50% bonus cash back feature. There are no caps on what you can earn, so earn unlimited cash rewards if you want, plus they do not expire as long as you keep your account active.

Meanwhile you can get your cash back through your choice of convenient options including as an account credit or check – plus you can set up the account to do automatic redemptions. Capital One gets high marks for customer service, too. Features include 0% fraud liability, 24-hour travel assistance, discounts at participating restaurants, extended warranties on products purchased with the card, travel accident insurance, and auto rental insurance coverage.

By

(New Jersey)

Date Posted

Not what they say they are.

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

Applied for card with no annual fee. Was approved for card. Was later informed that there would be a $39 annual membership fee and that the fee was based on my credit score, which is over 780. Would not remove annual fee so I cancelled card.

I definitely would not recommend this card to a friend.

3 out of 3 people found this review helpful.

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By

(Atlanta, GA)

Date Posted

no foreign exchange fees

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

We normally use the AMEX Preferred Cash for everything, but they charge around 2.5% on any foreign transaction. Since we have family in Canada who we visit often, this charge adds up to several hundred $$ each year. This Visa card does not (currently) charge a foreign transaction fee.

I definitely would recommend this card to a friend.

13 out of 14 people found this review helpful.

Was this review helpful? Yes   No  

By

(Chicago area)

Date Posted

Great!

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

Has been a great card. We have received over $1500 cash back from rewards. Other friends also have it -- wouldn't change to any other.

I definitely would recommend this card to a friend.

45 out of 50 people found this review helpful.

Was this review helpful? Yes   No  

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