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- Starting early July 2016, your mail delivery may be interrupted by a possible postal strike. Your minimum payment is still required by the due date even if you don’t receive a statement in the mail. You may want to consider alternate methods to access your account info and statement. Sign up / sign in to Online Banking or visit our Contact Us page – we’re here to help.
Aspire TravelTM World Elite MasterCard®
Right for you if:
- You have Excellent Credit
- You like earning rewards
- You must meet the minimum requirement of either personal income of $70K OR household income of $120K
ANNUAL INTEREST RATES
- Balance Transfer
- Cash Advance
RATINGS & REVIEWS
Double miles you can actually use!
- 2 reward miles for every $1 on all purchases – no matter where you shop
- One-time bonus of 40,000 miles - equal to $400 in travel - once you spend $1,000 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
- World Elite MasterCard Travel benefits, including Travel Emergency Medical insurance and Trip Cancellation insurance
Rewards Made Easy
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 make a great gift – even for yourself.
Redeem reward miles for cash and spend however you want.
WORLD ELITE MASTERCARD TRAVEL BENEFITS
Travel Emergency Medical
Provides emergency medical coverage anywhere in the world and is automatically included whether or not you purchase travel using your eligible Capital One credit card. As the primary Cardholder, you, your spouse and your dependent children, when travelling with either parent, are covered for trips up to 22 days, if under 65 years of age, and for trips up to 8 days, if 65 years of age or older. The date of departure is counted as the first day. This benefit is subject to an exclusion for pre-existing medical conditions.
If an illness, injury or other covered cause prevents you from starting your trip, you’ll be covered for up to $1,000 of eligible cancellation expenses per insured person, to a maximum of $5,000 for all insured persons on the same trip. Trip Cancellation coverage is available to you, your spouse and your dependent children, when travelling with either parent, and up to two companions travelling with you and/or your spouse when the full cost of your trip expenses are charged to your Capital One credit card. Eligible expenses include the cost of unused travel arrangements that were charged to your Capital One credit card.
If an illness, injury or other covered cause prevents you from continuing your trip, you’ll be covered for up to $5,000 of eligible trip interruption expenses, per insured person, to a maximum of $25,000 for all insured persons on the same trip. Trip Interruption coverage is available to you, your spouse and your dependent children, when travelling with either parent, and up to two travelling companions when the full cost of your trip expenses are charged to your Capital One credit card.
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $250 per day and $1,000 per trip for all insured travellers. Simply charge the full cost of your tickets to your Capital One credit card.
If your checked baggage is lost by an airline, all insured travellers can be reimbursed up to $1,000 per trip. Simply charge the full cost of your tickets to your Capital One credit card.
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. Simply charge the full cost of your tickets to your Capital One credit card.
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 $500,000 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 48 days.
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.
WORLD ELITE MASTERCARD EVERYDAY 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.
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.
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.
World Elite MasterCard Concierge Services
Enjoy access to comprehensive, personalized assistance 365 days a year. Let the World Elite MasterCard Concierge become your single source for all your needs, including special access and privileges, whether you are at home or away. A highly trained and experienced team is always at your fingertips, ready to save you time and make things easier for you. Whether it’s securing dinner reservations, tickets to events, coordinating business arrangements, locating hard-to-find items or booking travel, the World Elite MasterCard Concierge can help bring you the very best whenever you need it. Any costs incurred in connection with these services will be charged to your Capital One card.
MasterCard Global ServiceTM
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 World Elite MasterCard Benefits Certificates of Insurance (2.26mb PDF)
Requires the latest version of Adobe Reader®
Requires the latest version of Adobe Reader®
Reward miles 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 40,000 reward miles when you spend $1,000 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 cycles after the qualifying purchases have been posted to your account.
Trip Cancellation, Trip Interruption, Flight Delay, Baggage Loss, Baggage Delay, Purchase Assurance, Extended Warranty, and Car Rental Collision/Loss Damage Waiver insurance are underwritten by American Bankers Insurance Company of Florida (ABIC), while Price Protection Service is a service provided by ABIC. Travel Emergency Medical (except for travel in Cuba) and Travel Accident Insurance are underwritten by American Bankers Life Assurance Company of Florida. Travel Emergency Medical insurance, for travel in Cuba only, is underwritten by Zurich Insurance Company Ltd. 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.
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.