Independent ClearFin review · Capital One
Start with up to $100 Cash Rewards Bonus.
Current new-cardmember offer
Certificate terms apply
💵 1% CashbackIts strongest published earn rate in our data is 1.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Available to new Aspire Cash Platinum Mastercard cardholders who meet the promotional requirements. Account must remain open and in good standing. Terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have the strongest approval odds with a fair to good credit profile. The Aspire Cash Platinum Mastercard is designed to be accessible to a broad range of consumers and does not have a published income requirement.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. Capital One does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, payment history, and overall creditworthiness.
Reward limits: The Aspire Cash Platinum Mastercard does not have any published annual or monthly earning caps. Cardholders earn unlimited 1% cash back on all eligible purchases regardless of spending category. There are no disclosed limits on the amount of cash rewards that can be earned, and cash rewards do not expire while the account remains open and in good standing.
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Purchase Assurance
Eligible items purchased with the card are protected against theft, loss, or damage for up to 120 days from the purchase date.
Extended Warranty
Automatically doubles the original manufacturer's warranty on eligible purchases for up to two additional years.
Car Rental Collision and Loss Damage Waiver
Coverage against theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card and the rental company's collision damage waiver is declined.
Price Protection Service
Receive reimbursement for eligible price differences if an item purchased with the card is advertised at a lower price within 60 days of purchase, subject to policy limits.
Common Carrier Travel Accident Insurance
Coverage of up to $250,000 for accidental loss of life or dismemberment while travelling on an eligible common carrier when the fare is charged to the card.
Baggage Delay Insurance
Reimbursement for essential purchases when checked baggage is delayed for more than four hours during an eligible trip.
Mastercard Global Service
Access emergency card replacement, emergency cash advances, lost card assistance, and worldwide support services when travelling.
Mastercard Zero Liability Protection
Protection against unauthorized purchases made with your card if it is lost, stolen, or used fraudulently.
Free Authorized Users
Add authorized users at no additional cost and earn cash rewards on their eligible purchases.
Flexible Cashback Redemptions
Redeem accumulated cash rewards as statement credits as often as you like through online banking or the mobile app.
Gift Card Redemptions
Redeem cash rewards for a variety of gift cards through the Capital One rewards portal.
No Reward Expiry
Cash rewards never expire while the account remains open and in good standing.
Capital One Credit Keeper
Monitor your credit score and understand factors affecting your credit profile at no additional cost.
Account Alerts and Notifications
Customize account alerts to monitor payments, suspicious activity, spending activity, and important account events.
Mobile and Online Account Management
Manage your account, track rewards, redeem cashback, review transactions, and access support through Capital One's digital banking platforms.
1 coverage listed. Key terms are summarized below; full certificate terms apply.
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1% cash rewards on every $1 spent. No annual fee.
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
💳 Pay-to-Earn
✈️ Reward Miles
🌱 Credit Builder
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
