Capital One® Aspire Cash™ Platinum Mastercard®

Pros & Cons

Pros

+Purchase protection included
+No annual fee

Cons

–Foreign Transaction Fee (2.5%)

Rewards

All Spending

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries1.00%

$700/month

Gas & EV1.00%

$200/month

Transit1.00%

$100/month

Restaurants1.00%

$300/month

Pharmacy1.00%

$50/month

Travel1.00%

$150/month

Bills & recurring payments1.00%

$250/month

Telecom1.00%

$150/month

Entertainment & streaming1.00%

$100/month

Office supplies1.00%

$0/month

All other spending1.00%

$500/month

Cashback earned

$300

$/yr

Estimated Value

$300

After Fees

+$300

1st Year Value

$300

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1.00%$84

Gas & EV$2,400/yr × 1.00%$24

Transit$1,200/yr × 1.00%$12

Restaurants$3,600/yr × 1.00%$36

Pharmacy$600/yr × 1.00%$6

Travel$1,800/yr × 1.00%$18

Bills & recurring payments$3,000/yr × 1.00%$30

Telecom$1,800/yr × 1.00%$18

Entertainment & streaming$1,200/yr × 1.00%$12

All other spending$6,000/yr × 1.00%$60

Total annual spend$30,000

Monthly spend$2,500

Average earn rate on spend per year1.00%

Total cashback earned$300

Travel Insurance

✓

Delayed Baggage

Up to $300

✓

Travel Accident

Up to $250,000

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+1 year(s)

✓

Auto Rental

Up to $65,000 / 31 days

Interest Rates

Purchase Rate
21.9%
Cash Advance
21.9%
Foreign Transaction Fee
2.5%

Terms & Conditions

Card Features

1% cash rewards on all purchases
No limit to the amount of cash back you can earn.

Related Cards

Secured Neo Mastercard

Neo

$37

Scotia Momentum® Visa Infinite + Card

Scotiabank

$1,044

Neo World Mastercard® - Everywhere

Neo

$300

Capital One Smart Rewards™ Mastercard®

Capital One

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.