Aspire TravelTM Platinum MasterCard®

Right for you if:

  • You have Good Credit
  • You like earning rewards
  • You don’t want to pay an annual fee




  • Purchase
  • Balance Transfer
  • Cash Advance

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Want a rewards card with no annual fee? No problem.

With the Aspire Travel Platinum MasterCard, every purchase gets you closer to your destination.


  • 1 reward mile for every $1 – on everything you buy
  • One-time bonus of 10,000 miles - equal to $100 in travel - once you spend $500 on purchases within the first 3 months2 
  • No limit to the amount of miles you can earn


  • Add an authorized user for $0 and earn even more miles with their purchases
  • Platinum MasterCard benefits, including Travel Accident insurance and Baggage Delay coverage
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Earn rewards and skip the hassle with our rewards program!

  • Book your own trip – including the hotel, airline or rental car of your choice – then redeem your reward miles for your travel expenses
  • Pay for the taxes on your travel with your miles
  • No blackout dates or hidden fees

Redeem for Travel, Gift Cards or Cash – it’s up to you!

No minimum reward mile requirements to redeem for travel. 100 points = $1 in travel.

Gift Cards
Gift cards make a great gift – even for yourself.

Redeem reward miles for cash and spend however you want.

Platinum Travel Benefits

Common Carrier Travel Accident Insurance

Charge your fare to your Capital One credit card and you, your spouse and dependent children are insured against accidental loss of life or dismemberment for up to $250,000 while travelling on a common carrier (for example, a bus, cruise ship, plane or train).

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.

Baggage Delay

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.

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.

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.

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. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company's discretion.

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 years.


MasterCard Global Service

Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.

Zero Liability

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 (3.25mb PDF)Requires the latest version of Adobe Reader® 


Rewards are applied to total net purchases. That means any purchase that's charged to your Capital One credit card minus credits or returns. Cash advances, balance transfers and access cheque transactions aren't eligible for rewards.


You will be awarded an early spend bonus of 10,000 reward miles when you spend $500 on net purchases in the first 3 months following account booking. Net purchases are any purchases that are charged to your Capital One credit card minus credits or returns. Cash advances, balance transfers and access cheque transactions don’t count as purchases. These bonus reward miles will be reflected within two billing periods after the qualifying purchases have been posted to your account.

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. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above. 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.

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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.