The “No Hassle Points” program is one of three of Capital One’s credit card rewards program. It really is true to its name, in that it is one of the most simple rewards cards programs out there. It may not be the most profitable; every $1 you spend on your Capital One card is worth one point. There are some opportunities to earn bonus points (up to 10X for every dollar you spend with your Capital One card), by shopping through the Capital One store or by shopping at select retailers who offer bonus rewards. In some cases, you must activate the offer through the Rewards portal before you can earn in-store bonus points.
On the plus side, you don’t have to keep track of spending categories or spend a certain amount of money each month before you start earning bonus points. It really is a simple program.
How You Can Earn Points
Earn points by shopping with your Capital One No Hassle Points credit card, and earn bonus points when shop through Capital One’s store, Perk Central, where you’ll find bonus points offers of up to 10X for every dollar spent from popular online retailers like the Apple Store, Gap.com and 1-800-Flowers. Comparing the opportunities to earn bonus points with your Capital One card versus the Chase Ultimate Rewards program or the Discover More program, the choices are slim for Capital One. Nonetheless, there are real bonus rewards opportunities available for popular shopping places.
Redeeming Points with Capital One
It’s easy to redeem No Hassle points for gift cards, merchandise or even cash back in the form of a check. Some of the gift cards available include Amazon.com and Starbucks. You can redeem points online or over the phone, in case you need a representative to walk you through the process or have limited online access. Points never expire as long as your account is open, and there’s no limit to the points you can earn. Redemption options for No Hassle Points begin at 750 points.
A Note About Capital One’s No Hassle Cash Rewards
If you have a No Hassle Cash Rewards card (rather than a No Hassle Points card) you can begin redeeming rewards for cash with no minimums to redeem. In addition, you can get your choice of a statement credit, check, or a gift card, whereas the only cash back option for No Hassle Points is a check mailed to you.
Charitable Giving through Capital One
One benefit to the Capital One No Hassle Points program (or any of Capital One’s rewards programs is the opportunity to redeem points for charitable donations through the No Hassle giving website. The site lets you donate to your choice of any one of 1.2 million charities, with no transaction fees, so that 100% of your donation goes to the charitable organization you choose. You can donate your rewards points to the charity, or make a donation using your Capital One card (and, of course, earn points on the transaction!)
Capital One Credit Cards that Offer No Hassle Points
Capital One doesn’t offer as many cards with No Hassle Points rewards as it does for No Hassle Cash rewards. With all the cash back options available and no minimums for redemption, if you can qualify for a Capital One Venture Rewards cash back card, a rewards card designed for people with excellent credit, this is probably your best choice of cards in the Capital One family.
Capital One credit cards that use the No Hassle Points program include the Orbitz Visa, which gives you 3 points per dollar for all Orbitz.com bookings, and the Capital One MTV Visa, where you can get 5 points for every dollar spent. The MTV Visa card is available to people with average credit, while excellent credit is required for the Orbitz Capital One Visa card.
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