Capital One

Capital One Aspire Cash Platinum Mastercard

Start with up to $100 Cash Rewards Bonus.

Annual fee
$0
Reward type
Cash Back
Typical credit · 600+
Capital One Aspire Cash Platinum Mastercard💵 1% Cashback

Welcome bonus

New cardmembers can earn up to $100 Cash Rewards Bonus by completing the steps below.

How to earn it

  • $100 Cash Rewards BonusSpend at least $1,000 on eligible purchases within the first 3 months after account opening.

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.

How you earn

  • 1% cash back on all eligible purchases
  • Unlimited cash back earnings with no category restrictions
  • No earning caps on cash back rewards
  • Cash back rewards can be redeemed as statement credits
  • Cash back rewards can be redeemed for gift cards
  • Cash back rewards never expire while the account remains open and in good standing

Built-in perks & coverage

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.

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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.

The verdict

What we like

  • No annual fee
  • Unlimited cash back earnings
  • Simple flat-rate rewards structure
  • Flexible redemption options
  • Comprehensive purchase protection

Worth noting

  • Low rewards earning rate
  • Foreign transaction fee
  • Limited travel insurance coverage
  • No bonus earning categories
  • Average rewards compared to competitors

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