The Capital One Aspire Travel Platinum Mastercard is a no-fee travel rewards card that keeps things simple. You earn 1 reward mile per $1 on everything and redeem for travel, statement credits or gift cards.
Capital One Aspire Travel Platinum Mastercard: best credit card for earning travel rewards with no annual fee
Many travel cards charge $120 or more a year. This one costs $0, yet you still earn 1 reward mile per $1 on groceries, gas, bills and everything else, with no caps.
Redeeming is easy: 100 miles equal $1, with no blackout dates. You also get travel accident insurance up to $250,000, rental car coverage, purchase protection and extended warranty.
Should I get a credit card from Capital One?
Founded in 1994, Capital One is one of the largest banks in the United States and a Fortune 500 company. After acquiring Discover in 2025, it became the largest credit card issuer in the U.S.
Capital One has served Canadians since 1996. It lets you check if you’re pre-approved before applying, and it offers cards for every stage of your credit journey.
How to get a credit card from Capital One?
To get the Capital One Aspire Travel Platinum Mastercard, you need to:
- Be a resident of Canada
- Be of the age of majority in your province or territory
- Have a fair to good credit history
- Provide accurate personal, employment and income details
Apply for credit card
- Visit the Capital One Aspire Travel Platinum Mastercard page on capitalone.ca.
- Check if you’re pre-approved.
- Fill out the online application with your personal and financial information.
- Review the terms and submit your application.
- Wait for Capital One’s decision.
- Once approved, activate your card when it arrives by mail and start earning miles.
FAQ
1. How Capital One Aspire Travel Platinum Mastercard interest works?
The card charges 21.9% interest on purchases. Pay your full statement balance by the due date, and you won’t pay interest on new purchases. Cash advances start accruing interest right away.
2. How to increase Capital One Aspire Travel Platinum Mastercard limit?
You can request a credit limit increase through your Capital One online account or by calling customer service. Paying on time, keeping your balance low and updating your income all help your chances.
3. How to pay off Capital One Aspire Travel Platinum Mastercard?
Add your Capital One Mastercard as a payee in your bank’s online banking and pay from there. You can also make payments through your Capital One account. Pay at least the minimum by the due date.
4. How to cancel a credit card from Capital One?
Call Capital One Canada customer service and ask to close your account. Before you do, pay off your balance and redeem your miles, since they’re lost once the account is closed.