Aspire CashTM Platinum MasterCard®
Cash back with no annual fee? Now that’s rewarding!
With the Aspire Cash Platinum MasterCard, you get cash rewards on every purchase – and there's no limit to the amount you can earn.
- 1% cash rewards for every $1 on all purchases
- No annual fee
- No limit to the amount of cash you can earn
- Cash rewards have no expiry date
- Add an authorized user for $0 and earn even more cash with their purchases
- Platinum MasterCard benefits, including Purchase Assurance and Extended Warranty
How the Aspire Cash Platinum MasterCard measures up2.
|Cash Back On $250 Monthly Gas and Grocery Spend||Cash Back On $750 Monthly Spend On All Other Purchases||Total Cash Back After First Year|
|CIBC Dividend Visa||$25||$76||$101|
|Scotiabank Momentum No-Fee Visa||$30||$51||$81|
|Desjardins Elegance Gold Visa||$15||$45||$60|
|National Bank Edition MasterCard||$15||$45||$60|
|Capital One Aspire Cash Platinum MasterCard||$30||$90||$120|
Redeem for cash whenever – and however – you want!
Cash or statement credit? You choose how you want your cash, plus:
- Your cash rewards never expire!
- There’s no limit to the amount of cash you can earn
- You can redeem as much or as little as you want – there are no restrictions
- Redeem as often as you like
Everyday Platinum Benefits
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.
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.
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 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 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 if your rental car is damaged or stolen when you rent the car for a period of up to 31 days.
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 Global Service™
Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
If your card is used without your authorization, you're protected with Zero Liability. That means you won't pay for any unauthorized purchases on your card.
Download the Platinum MasterCard Benefits Certificates of Insurance (2.77mb PDF)
Requires the latest version of Adobe Reader®
Cash rewards are applied to total net purchases. That means any purchase that's charged to your Aspire credit card minus refunds, returns or other similar credits. Cash advances, balance transfers and access cheque transactions aren't eligible for rewards.
Competitors' rewards are based on publicly available information as of June 14, 2013. Cash back is based on $1,000 monthly spend (including $250 spend on gas/groceries and $100 in drug store purchases every month). Calculations do not include cash back on recurring bill payments.
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 Certificates of Insurance provided with your card.
This forum is designed for Capital One cardholders to rate their experiences with products and services offered by Capital One and its affiliated companies. Products or service requirements, price, and features can depend on cardholder choices as well as the applicable laws and the specific product or service contracts of the cardholder, which may vary by jurisdiction and the date on which they obtained their card. Capital One does not guarantee the accuracy of cardholder posts and no review represents the opinion of Capital One or financial advice. Reviews must comply with our Terms and Conditions.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll need to go into a Canada Post outlet and provide further identification.