Capital One Aspire Cash Platinum Mastercard

Card Summary:

This credit card features no annual fee, making it a cost-effective choice. It has a 19.8% interest rate on purchases and balance transfers, and a 21.9% rate on cash advances. You also earn cash back on your purchases, providing ongoing value with every transaction.

Rewards Summary:

This credit card offers 1% cash back on all purchases with no limitations or restrictions, allowing you to earn rewards on every transaction.

Benefits Summary:

This credit card features a simple cash back rewards program, offering 1% cash back on all purchases with no restrictions or limits on how much you can earn. Your cash back rewards never expire. Additionally, enjoy Zero Liability protection against unauthorized transactions and travel assistance for support during your trips.

Insurance Summary:

• Purchase Assurance
• Common Carrier Travel Accident
• Baggage Delay
• Car Rental
• Price Protection
• Extended Warranty

Editor’s Review

Capital One Aspire Cash Platinum Mastercard Review

The Capital One Aspire Cash Platinum Mastercard is a straightforward, no-annual-fee credit card that offers a simple and effective cash back rewards program. With 1% cash back on all purchases and a variety of insurance coverages, this card is a practical choice for those looking to earn rewards without any additional costs.

Card Summary:

• Annual Fee: None
• Supplementary Card Fee: None
• Interest Rates: 19.8% (purchases and balance transfers), 21.9% (cash advances)
• Income Requirement: Not specified

Rewards Program:

• 1% Cash Back: On all purchases with no limitations or restrictions
• Unlimited Earnings: Earn cash back on every transaction, with no cap
• Cash Back Expiry: Rewards never expire

Benefits:

• Zero Liability Protection: Protection against unauthorized transactions
• Travel Assistance: Support during your trips
• Simple Cash Back Program: Easy to understand and use

Insurance Coverage:

• Purchase Assurance: Protection against theft or damage for purchases
• Common Carrier Travel Accident Insurance: Coverage for accidents while traveling on a common carrier
• Baggage Delay Insurance: Compensation for delayed baggage
• Car Rental Insurance: Coverage for rental cars
• Price Protection: Reimbursement for price drops on eligible purchases
• Extended Warranty: Extends the warranty period on eligible purchases

Pros and Cons

Pros:

• No annual fee
• 1% cash back on all purchases with no restrictions
• Unlimited cash back earnings that never expire
• Basic travel and purchase insurance included
• Zero Liability protection against unauthorized transactions

Cons:

• Lower cash back rate compared to some other no-annual-fee cards
• Higher interest rates on cash advances
• Limited additional benefits compared to premium cards

Who is this card for?

This card is ideal for individuals who:

• Want to earn cash back without paying an annual fee
• Prefer a straightforward rewards program with no category restrictions
• Seek basic travel and purchase protection benefits
• Value simplicity and ease of use in their credit card rewards

Comparison with Similar Cards

Final Verdict

The Capital One Aspire Cash Platinum Mastercard is a solid no-annual-fee option for those looking to earn straightforward cash back on all purchases. With a simple 1% cash back rate, unlimited earnings, and basic insurance benefits, it offers great value without any additional costs. While the cash back rate is lower compared to some other no-annual-fee cards, its ease of use and practical features make it a worthy choice for budget-conscious consumers and those new to earning rewards with their credit card.

View other Capital One Credit Cards.

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Disclaimer: Refer to the credit card official web page for the latest up to date rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.