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
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
Price Protection Service
When you use your Capital One credit card to buy a new item in Canada that is offered for sale at a lower price within 60 days of purchase, Price Protection Service pays you the 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. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company's discretion.
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 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 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 may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items. Simply charge the full cost of your tickets to your Capital One credit card.
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 you’re worried about unauthorized charges being made to your account, relax. As a Capital One® cardholder, you’re protected. We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card. We also monitor your account regularly for fraudulent activity.
Download the Platinum MasterCard Benefits Certificates of Insurance (3.7mb 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.
Purchase Assurance, Extended Warranty, Car Rental Collision/Loss Damage Waiver and Baggage Delay insurance are underwritten by American Bankers Insurance Company of Florida (ABIC), while Price Protection Service is a service provided by ABIC. Travel Accident insurance is underwritten by American Bankers Life Assurance Company of Florida. Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.
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.