You will pay no annual fee but get limitless cash rewards with the Cash Back Gold MasterCard®. With this Capital One credit card, you will start earning cash rewards of up to 1% right away. There is no limit to how much you can earn, and you can begin redeeming as soon as your balance hits $15. Your cash back never expires. You can redeem your rewards as often as you want, and it’s up to you how you would like your cash back; you can get it via cheque or statement credit. You can also choose to redeem it online or via phone. It’s free to add an authorized user to your Capital One account, so give your family members their own cards to make your cash back add up even faster! The Cash Back Gold MasterCard® provides you with $0 fraud liability, so you will owe nothing if your card is used for unauthorized purchases. The cash rewards credit card also comes with Gold travel benefits, such as delayed baggage assistance, travel accident insurance, and rental car insurance. You also have access to Master RoadAssist® Service and MasterAssist Travel Assistance to help you 24/7 while you’re away from home.