Learn more about Capital One Aspire Travel Platinum Credit Card and know how you can apply!
The Capital One Aspire Travel Platinum Credit Card is made for people who are looking for a no-annual-fee travel card. So, if you want a card that allows you to get rewarded for travelling, with miles program, it could be your chosen one!
You can earn $1 in travel rewards for every $100 on all purchases with your credit card. The program allows you to redeem these miles in a variety of ways, like using your miles to lower the cost of your travel purchases – including car rentals, taxis, accommodations and more -, or you choosing between gift cards or statement credits. The rewards earned on this card do not expire and there is no cap to the amount you can earn on purchases. Want to learn more about it? Keep reading and get to know its benefits and how to apply!
What are the benefits of Capital One’s Aspire Travel Platinum Credit Card?
- No Annual Fees;
- $1 in travel rewards for every $100 on all purchases;
- Earn unlimited and unexpirable reward miles;
- Redeem your trip: use your miles to lower the cost of your travel purchases, it can include car rentals, taxis, accommodations and more;
- Flexible Redemption: choose between gift cards or statement credits. Plus, you can easily redeem as often as you like online or in the app;
- Add an authorized user for $0 and earn even more with their purchases;
- Purchase Assurance: most personal items are insured against theft, loss or damage for 120 days after the purchase date;
- Extended Warranty: automatically doubles the original manufacturer’s warranty for up to 2 years;
- Car Rental Collision/Loss Damage Waiver: you’ll be insured on a rental car if it is damaged or stolen, for a period of up to 31 days;
- Price Protection Service: if an item that you purchased is discounted within 60 days of purchase, Price Protection Service pays you the price difference up to $100 per item and $500 per calendar year;
- Common Carrier Travel Accident Insurance: you, your spouse and dependent children are insured against accidental loss of life or dismemberment for up to $250,000 while travelling on a common carrier;
- Baggage Delay: if your checked baggage is delayed for more than four hours at your away-from-home destination, you may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items;
- Travel Assistance: get 24/7 assistance for medical referrals, emergency cash transfers, lost documents and ticket replacements, lost luggage assistance and legal referrals when travelling outside your province of residence;
- Mastercard Global Service;
- Zero Liability: you’re protected from unauthorized charges on your card, meaning you won’t pay if someone uses your card without your permission;
- Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account;
- 24/7 Customer Service;
- Credit Keeper: an online tool from Capital One that gives you access to your TransUnion® credit score for free.
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| Earn 1 Mile Per $1; Flexible Redemption; Unexpirable Rewards; Travel Insurance Coverage; Zero Liability; Price Protection |
Basic Travel Insurance Compared To Some Competitors |
| $0 Annual Fee |
$100/item Limit On Price Protection |
How do I apply for the Capital One Aspire Travel Platinum Credit Card?
To be eligible for this credit card, all you need is to be at least the age of majority in the province or territory you live in and have a Fair Credit Score. Here’s how it works:
Capital One provides an online application process. So, access their credit card website and click on the option: “See If You’ll Be Pre-Approved & Apply”. During the application, you must provide any personal and financial information requested.
Then the bank will conduct a creditworthiness assessment to evaluate your credit history, income stability, and repayment capacity. This assessment helps determine the likelihood of credit card approval. Keep in mind that, the approved credit limit will also depend on it.