Imagine booking a last-minute flight, renting a car for a weekend getaway, or grabbing a quick hotel deal—without worrying about extra costs just for owning your credit card. The Capital One Aspire Travel Platinum Mastercard isn’t about luxury status or fine print rewards. It’s about practicality that actually rewards your movement.
Instead of overwhelming you with rotating categories or tiered bonuses, it offers what most travellers truly want: 1 mile per dollar on everything, no annual fee, and insurance that travels with you. It’s not just a travel card—it’s a travel tool, built for those who prefer straightforward perks over flashy upgrades.
ASPIRE TRAVEL® PLATINUM
$0 Annual Fee Travel benefitsKey Benefits of the Aspire Travel Platinum Mastercard
The strength of this card lies in its simplicity, reliability, and wide-ranging benefits. There are no rotating categories, no confusing redemption rules, and no need to hit minimum spending tiers. Just use the card and earn—with real travel-friendly features backing it.
- 1 Mile per $1 on All Purchases – Earn consistently, whether you’re buying groceries, booking flights, paying bills, or streaming movies.
- No Annual Fee – Keep more of your rewards, with zero cost to carry the card year-round.
- Flexible Travel Redemption – Miles can be used for flights, hotels, car rentals, and more—with no blackout dates.
- Built-in Travel Insurance – Includes travel accident coverage, car rental collision/loss insurance, and baggage delay protection.
- Extended Warranty – Automatically doubles the manufacturer’s warranty on eligible purchases, up to one extra year.
- Purchase Assurance – Protects new purchases against theft or damage for 90 days from the date of purchase.
- Zero Liability – Offers full protection from unauthorized charges or fraudulent transactions.
- Mastercard Global Service – Get emergency assistance, card replacement, and cash advance support anytime, anywhere.
- No Cap on Rewards – Earn unlimited miles with no expiry as long as your account remains in good standing.
How to Maximize the Value of the Aspire Travel Platinum Card
To make the most of the Aspire Travel Platinum Mastercard, use it consistently for everyday spending like groceries, subscriptions, and bills to maximize mileage. Book travel and car rentals with the card to activate included insurance and avoid paying extra for coverage. For high-value purchases, take advantage of the extended warranty and purchase assurance. Since foreign transaction fees apply, it’s best used within Canada. And for faster rewards, consider adding an authorized user at no extra cost.
Understanding Fees and Rates
Transparency is key with this card. Here’s a look at the standard charges:
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Additional Card Fee | $0 |
| Purchase Interest Rate | 19.80% |
| Cash Advance Rate | 21.90% |
| Balance Transfer Rate | 21.90% |
| Foreign Transaction Fee | 2.5% |
Note: Interest rates are subject to credit approval and may vary.
Eligibility and Application Process
Applying for the Aspire Travel Platinum is straightforward and quick. Here’s what’s required:
| Requirement | Details |
|---|---|
| Residency | Must be a Canadian resident |
| Age | Must meet age of majority in province/territory |
| Credit Score | Recommended: 725+ |
| Income | No minimum income requirement |
How to Apply:
- Visit the Capital One Aspire Travel Platinum page
- Choose the Aspire Travel Platinum Mastercard
- Fill out the secure online application
- Submit and receive a decision—most get an instant response
- If approved, receive the card by mail and activate to start earning
ASPIRE TRAVEL® PLATINUM MASTERCARD
$0 Annual Fee Travel benefitsFAQs – What You Might Want to Know
Can the reward miles be used for anything other than travel?
Yes. While travel is the most common use, miles can also be redeemed for gift cards or cash back equivalents.
Is there any expiry on the reward miles?
No. Reward miles never expire, as long as the account remains in good standing.
Are there blackout dates on travel redemptions?
No. Redemptions can be made at any time, with no restrictions or blackout periods.
Can I add an authorized user?
Yes. An additional user can be added at no extra cost, helping you earn miles faster.
Is this card accepted internationally?
Yes. It’s a Mastercard, so it’s accepted worldwide. Just keep in mind the 2.5% foreign transaction fee.
Final Thoughts: Is the Aspire Travel Platinum Worth It?
For Canadians who want to earn travel rewards without paying an annual fee, the Capital One Aspire Travel Platinum Mastercard is a reliable and efficient option. It offers a solid return on everyday spending, protects purchases, and includes useful travel insurance—all with no complicated terms.
It may not have the bells and whistles of premium cards, but its balance of value, protection, and simplicity makes it a smart fit for anyone seeking a practical travel card. For those who prioritize ease, savings, and real rewards, this card is a clear contender.
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