Earn cash back quickly!
Apply By Phone
Apply for a Credit Card[X]
1 (877) 277-5901
Use option 3 to check the status of an application.
Not available to residents of QC, NT, NU or YT.
- Cash Back
- Up to 2%
- Cash Back Limit
- None
- Annual Fee
- $99
Is it worth it?[x]
If you charge more than $2,000 a month on your cash back credit card, it's worth paying the annual fee for a higher cash back rate. If you charge less, check out our Cash Back Gold that has no annual fee.
- Purchase
- 19.8%
- Balance Transfer
- 19.8%
- Cash Advance
- 19.8%
Is this card right for you?
We'll suggest some others if it isn't
- People who like earning cash back
- $60k minimum personal income
- Don't carry a balance
Everyday Platinum Benefits
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Price Protection
- When you use your Capital One credit card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
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Purchase Assurance
- Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card.
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Extended Warranty
- When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to two additional years.
Platinum Travel Benefits
Travel Accident Insurance
- Receive up to $250,000 automatic travel insurance coverage for you, your spouse and your dependent children when you charge the full cost of your common carrier tickets to your Capital One credit card.
Car Rental Collision/Loss Damage Waiver
- Charge the full cost of your car rental to your Capital One credit card and decline the collision damage waiver insurance offered by the rental agency (you could save $20-$30 per day) and you'll be insured for up to 31 days if your rental car is damaged or stolen.
Baggage Delay
- If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items. The full cost of your tickets must be charged to your Capital One credit card.
MasterAssist Travel Assistance
- Provides 24/7 assistance for medical referrals, emergency cash transfers, lost documents and ticket replacements, lost luggage assistance and legal referrals when travelling outside your province of residence. Any costs incurred in connection with these services are charged to your Capital One credit card.
MasterCard Benefits
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Master Global Services
- Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
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$0 Fraud Liability
- If your card is lost or stolen and used without your authorization, you’re protected with $0 Fraud Liability. That means you won’t pay for any unauthorized purchases on your card.
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Master RoadAssist® Service
- This service provides pre-negotiated rates for 24-hour emergency road service, for travel 80 km or more away from your home including towing, gas delivery and minor mechanical aid. The roadside service expenses are billed directly to your Capital One credit card.
Travel Accident Insurance and Baggage Delay are underwritten by Chubb Insurance Company of Canada. Car Rental Collision/Loss Damage Waiver, Price Protection, Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida, an Assurant Solutions™ company. You’ll receive the details of your coverage, including terms, conditions and limitations and exclusions in the Certificate of Insurance provided with your card.
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