Cash Back
No Annual Fee
Rewards
Aspire Cash® Platinum Mastercard®
CAPITAL ONE CANADA
4.40/5 RateBuddy
Annual Fee
$0
Purchase APR
29.90%
Cash Adv. APR
29.90%
RateBuddy Verdict
The Good
- Extremely simple, flat-rate earning structure of 1% cash back on all purchases.
- Includes an outstanding suite of purchase and travel insurances (like Car Rental CDW) for a $0 fee card.
- Cash rewards never expire and have no earning caps.
The Trade-offs
- Does not offer accelerated earning multipliers for everyday spending categories like groceries or gas.
- Base purchase interest rate is very high (up to 29.9% outside of Quebec).
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 1.00%
Gas & Transit 1.00%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: • Earn 1% cash rewards on all purchases
• No limit to the amount of cash rewards you can earn
• Cash rewards never expire
- All Purchases: 1% cash back
Welcome Bonus Details
Features & Benefits
No Annual Fee
No annual fee
Car Rental Collision/Loss Damage Waiver
Car Rental CDW included
Extended Warranty Insurance
Extended Warranty (Up to 2 extra years)
Purchase Security Insurance
Purchase Security (120 days)
Baggage Delay/Loss Insurance
Baggage Delay Insurance included
Common Carrier Accident Insurance
Common Carrier Travel Accident included
Additional Perks
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Insurance Coverage
Purchase Assurance
120-day protection for personal items against theft, loss, or damage.
Extended Warranty
Automatically doubles the manufacturer warranty for up to 2 years.
Car Rental Collision/Loss Damage
Coverage for rentals up to 31 days when the full cost is charged to the card.
Price Protection Service
Refunds the price difference up to $100/item and $500/year if an item drops in price within 60 days.
Common Carrier Travel Accident
Up to $250,000 accidental loss of life or dismemberment insurance.
Baggage Delay Insurance
Up to $100 per day (max 3 days) for essential items if baggage is delayed over 4 hours.
Rates & Fees Details
| Purchase APR | 29.90% |
|---|---|
| Cash Advance APR | 29.90% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |