SmartLineTM Platinum MasterCard®
- A rate of 0% on purchases and balance transfers until January, 2016 – and after that, a low long-term rate of 9.9%
- Transfer your higher-interest debt and save on interest
- Platinum benefits, including Purchase Assurance and Extended Warranty
- No annual fee and no standard balance transfer fee
Right for you if:
- You have Excellent Credit
- You want to save money on interest payments
- You carry a balance
ANNUAL INTEREST RATES
0% until Jan 2016, then 9.9%
- Balance Transfer
0% until Jan 2016, then 9.9%
- Cash Advance
RATINGS & REVIEWS
Get a low interest rate on all of your purchases and balance transfers!
- A rate of 0% on purchases and balance transfers until January, 2016 - and after that, a low long-term rate of 9.9%
- No annual fee
- Transfer higher-interest debt with our no-fee balance transfer service and start saving on interest!
No interest will accrue on purchases and balance transfers during your introductory period if you make at least your minimum payments by the due date set out in your monthly statement.1
- Platinum MasterCard benefits, including Purchase Assurance and Extended Warranty
SAVE MONEY ON HIGHER-INTEREST DEBT!
It’s easy to get rid of high interest rates on your loan, line of credit and credit card balances! Just use our no-fee balance transfer service to pay off your higher-interest debt and save on interest.
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®
If your minimum monthly payment for a billing period is not received and remains outstanding by the due date of the following billing period, your annual interest rate will increase to 19.8%.
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.
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.