Capital One Aspire Travel Platinum Mastercard
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Card Summary:
This credit card has no annual fee, making it an economical choice. The purchase interest rate is 19.8%, and the cash advance interest rate is 21.9%. It combines cost-effectiveness with valuable features and rewards.
Rewards Summary:
With this credit card, you earn 1 reward mile for every dollar spent, allowing you to accumulate miles quickly and easily with your everyday purchases.
Benefits Summary:
This credit card includes Zero Liability protection, ensuring you are not held responsible for unauthorized transactions. You also benefit from Mastercard Global Service, which provides emergency assistance anytime, anywhere. Additionally, it offers travel assistance, giving you support and peace of mind 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 Travel Platinum Mastercard Review
The Capital One Aspire Travel Platinum Mastercard is a no-annual-fee credit card that offers straightforward rewards and valuable features. With its simple rewards structure and basic insurance coverage, it is an excellent choice for those seeking a cost-effective card that provides travel benefits and purchase protection.
Card Summary:
- Annual Fee: None
- Supplementary Card Fee: None
- Interest Rates: 19.8% (purchases), 21.9% (cash advances)
- Income Requirement: Not specified
Rewards Program:
- 1 Reward Mile per Dollar: Earn 1 mile for every dollar spent on all purchases with no category restrictions
- Rewards Ratio: Approximately 1% value back on spending
Benefits:
- Zero Liability Protection: Not responsible for unauthorized transactions
- Mastercard Global Service: Emergency assistance anytime, anywhere
- Travel Assistance: Support during your trips
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
- Earn rewards on all purchases with no restrictions
- Basic travel and purchase insurance included
- Zero Liability protection against unauthorized transactions
Cons:
- Relatively high interest rates on purchases and cash advances
- No bonus categories or accelerated rewards
- Limited insurance coverage compared to premium cards
Who is this card for?
This card is ideal for individuals who:
- Want to earn travel rewards without paying an annual fee
- Prefer a straightforward rewards program with no category restrictions
- Seek basic travel and purchase protection benefits
- Value emergency assistance services
Comparison with Similar Cards
| Feature | Capital One Aspire Travel Platinum Mastercard | CIBC Aeroplan Visa Card | MBNA True Line Gold Mastercard |
|---|---|---|---|
| Annual Fee | None | None | $39 |
| Purchase Interest Rate | 19.8% | Not specified | 8.99% |
| Rewards | 1 mile per dollar | Up to 1 point per dollar | None |
| Travel Insurance | Basic | Basic | None |
| Income Requirement | Not specified | Not specified | Not specified |
Final Verdict
The Capital One Aspire Travel Platinum Mastercard is a solid no-annual-fee option for those looking to earn travel rewards on everyday purchases. Its simple rewards structure, combined with essential travel and purchase insurance benefits, makes it a versatile and economical choice. Despite its relatively high interest rates, the card offers good value for those who prioritize earning travel rewards and having basic protections without the burden of an annual fee.
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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.
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