Pros & cons
Pros
- 1% cash back on all purchases.
- 6 types of insurance.
- No annual fee.
Cons
- No welcome bonus.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Capital One Aspire Cash Platinum Mastercard, here's how you earn rewards:
- 1% cash back on all purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Capital One Aspire Cash Platinum Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $240 | |
| Gift Cards | $170 |
Calculating your annual rewards
$24,000 annual spending x 1.00% return on spending = $240 annual rewards
$240 annual rewards − $0.00 annual fee = $240 net annual rewards
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Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.90% - 29.90%
- Cash Advance
- 21.90% - 29.90%
- Balance Transfer
- 21.90% - 29.90%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 120 days
- Price Protection
- Yes
- Travel Accident
- $250,000
- Baggage Delay
- $300
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Capital One Aspire Cash Platinum Mastercard's 3.9 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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GC: $175
Key benefits
User review
Reviewed by 1 Canadian
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This is the worst credit card company ever. They restricted my card permanently, because I pay my outstanding balance every month on time, and then they kept the almost $2,500 in cash back rewards that they owed me.
When I asked why they will not give me an answer or reason why this happened.
If you are planning to get a credit card from Capital One, be carful as you may have your card cancelled for no reason and they will keep the money they owe you.
