Capital One Aspire CASH Mastercard - World (Grandfathered) and Platinum
Changes just announced to these Capital One Aspire products: Aspire Cash World MasterCard and Platinum MasterCard
The World version now has
Compared to the MBNA SmartCash card, if you max out on getting 3% for gas and groceries every month, this card is better over about $29K of spending. If you don't max out on gas and groceries this card is better at a lower point.
The Platinum version is now the same but pay a 25% bonus. The only reason you would get this is if you don’t meet the income or credit requirements of the World version.
NOTE BEFORE YOU READ FURTHER: The World version has been grandfathered. Same thing for the 25 (Platinum)/50% (World) anniversary bonus at the end of the year. (Edited by angel_wing0)
Aspire Cash World MasterCard:
[IMG]http://www.capitalone.ca/img/ca/product ... 22x140.png[/IMG]
• Earn Rate: 1% cash rewards on everything you buy (on all net purchases)
• Every year you’re a customer you get 50% extra cash rewards, on top of the cash rewards you’ve already earned. For example, if you spent $30K on the card, earned $300 in cash rebate ($30K * 1%), you'd get an anniversary bonus of $150 ($300 * 50%).
• NO ANNUAL FEE
• Our ‘No Hassle Rewards’ redemption platform – No limit to the number of times you can redeem. Redeem for a statement credit or cheque.
•
World MasterCard Travel Benefits
Full details here
Travel Emergency Medical
As the primary cardholder, you, your spouse and your dependent children, when travelling with either parent, are covered for trips up to 22 days, if under 65 years of age, and for trips up to 8 days, if 65 years of age or older.
Trip Cancellation
You'll be covered for up to $1,000 of eligible cancellation expenses per insured person, to a maximum of $5,000 per trip. Trip Cancellation covers you, as the eligible cardholder, your spouse and your dependent children when travelling with you and/or your spouse. It also covers up to two travelling companions.
Trip Interruption
If an illness, injury or other covered cause prevents you from continuing your trip, you'll be covered for up to $5,000 of eligible trip interruption expenses per insured person, to a maximum of $25,000 per trip. Trip Interruption covers you, your spouse, your dependent children and up to two other travelling companions.
Flight Delay
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $250 per day and $1,000 per trip for all insured travellers.
Baggage Loss
If your checked baggage is lost by an airline you can be reimbursed up to $1,000 per trip for all insured travellers. The full cost of your tickets must be charged to your Capital One credit card.
Baggage Delay
If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items.
Travel Accident Insurance
Receive up to $500,000 automatic travel insurance coverage for you, your spouse and your dependent children.
Car Rental Collision/Loss Damage Waiver
You'll be insured for up to 48 days if your rental car is damaged or stolen.
MasterAssist Travel Assistance
Provides 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. Any costs incurred in connection with these services are charged to your Capital One credit card.
World MasterCard Everyday Benefits
Price Protection
When you use your Capital One credit card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
Extended Warranty
When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to two additional years.
Purchase Assurance
Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card.
Concierge Services
One-call assistance with arrangements for travel, entertainment, business and shopping. Any costs incurred in connection with these services are charged to your Capital One credit card.
MasterCard Benefits
Master Global Services
Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you’re protected with $0 Fraud Liability. That means you won’t pay for any unauthorized purchases on your card.
Master RoadAssist® Service
This service provides pre-negotiated rates for 24-hour emergency road service, for travel 80 km or more away from your home including towing, gas delivery and minor mechanical aid. The roadside service expenses are billed directly to your Capital One credit card.
Aspire Cash Platinum MasterCard:
[IMG]http://www.capitalone.ca/img/ca/product ... 22x140.png[/IMG]
• Earn Rate: 1% cash rewards on everything you buy (on all net purchases)
• First Purchase Bonus: $50 cash rewards bonus when you make your first purchase
• Every year you’re a customer you get 25% extra cash rewards, on top of the cash rewards you’ve already earned.
• No annual fee
• Our ‘No Hassle Rewards’ redemption platform – No limit to the number of times you can redeem. Redeem for a statement credit or cheque.
Platinum MasterCard Travel Benefits
Full details here
Baggage Delay
If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items.
Travel Accident Insurance
Receive up to $500,000 automatic travel insurance coverage for you, your spouse and your dependent children.
Car Rental Collision/Loss Damage Waiver
You'll be insured for up to 48 days if your rental car is damaged or stolen.
|Platinum MasterCard Everyday Benefits
Price Protection
When you use your Capital One credit card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
Extended Warranty
When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to two additional years.
Purchase Assurance
Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card.
MasterCard Benefits
Master Global Services
Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you’re protected with $0 Fraud Liability. That means you won’t pay for any unauthorized purchases on your card.
Master RoadAssist® Service
This service provides pre-negotiated rates for 24-hour emergency road service, for travel 80 km or more away from your home including towing, gas delivery and minor mechanical aid. The roadside service expenses are billed directly to your Capital One credit card.
The World version now has
- no annual fee,
- pay 1% on purchases
- pay a 50% bonus annually so you net 1.5%.
Compared to the MBNA SmartCash card, if you max out on getting 3% for gas and groceries every month, this card is better over about $29K of spending. If you don't max out on gas and groceries this card is better at a lower point.
The Platinum version is now the same but pay a 25% bonus. The only reason you would get this is if you don’t meet the income or credit requirements of the World version.
NOTE BEFORE YOU READ FURTHER: The World version has been grandfathered. Same thing for the 25 (Platinum)/50% (World) anniversary bonus at the end of the year. (Edited by angel_wing0)
Aspire Cash World MasterCard:
[IMG]http://www.capitalone.ca/img/ca/product ... 22x140.png[/IMG]
• Earn Rate: 1% cash rewards on everything you buy (on all net purchases)
• Every year you’re a customer you get 50% extra cash rewards, on top of the cash rewards you’ve already earned. For example, if you spent $30K on the card, earned $300 in cash rebate ($30K * 1%), you'd get an anniversary bonus of $150 ($300 * 50%).
• NO ANNUAL FEE
• Our ‘No Hassle Rewards’ redemption platform – No limit to the number of times you can redeem. Redeem for a statement credit or cheque.
•
World MasterCard Travel Benefits
Full details here
Travel Emergency Medical
As the primary cardholder, you, your spouse and your dependent children, when travelling with either parent, are covered for trips up to 22 days, if under 65 years of age, and for trips up to 8 days, if 65 years of age or older.
Trip Cancellation
You'll be covered for up to $1,000 of eligible cancellation expenses per insured person, to a maximum of $5,000 per trip. Trip Cancellation covers you, as the eligible cardholder, your spouse and your dependent children when travelling with you and/or your spouse. It also covers up to two travelling companions.
Trip Interruption
If an illness, injury or other covered cause prevents you from continuing your trip, you'll be covered for up to $5,000 of eligible trip interruption expenses per insured person, to a maximum of $25,000 per trip. Trip Interruption covers you, your spouse, your dependent children and up to two other travelling companions.
Flight Delay
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $250 per day and $1,000 per trip for all insured travellers.
Baggage Loss
If your checked baggage is lost by an airline you can be reimbursed up to $1,000 per trip for all insured travellers. The full cost of your tickets must be charged to your Capital One credit card.
Baggage Delay
If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items.
Travel Accident Insurance
Receive up to $500,000 automatic travel insurance coverage for you, your spouse and your dependent children.
Car Rental Collision/Loss Damage Waiver
You'll be insured for up to 48 days if your rental car is damaged or stolen.
MasterAssist Travel Assistance
Provides 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. Any costs incurred in connection with these services are charged to your Capital One credit card.
World MasterCard Everyday Benefits
Price Protection
When you use your Capital One credit card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
Extended Warranty
When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to two additional years.
Purchase Assurance
Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card.
Concierge Services
One-call assistance with arrangements for travel, entertainment, business and shopping. Any costs incurred in connection with these services are charged to your Capital One credit card.
MasterCard Benefits
Master Global Services
Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you’re protected with $0 Fraud Liability. That means you won’t pay for any unauthorized purchases on your card.
Master RoadAssist® Service
This service provides pre-negotiated rates for 24-hour emergency road service, for travel 80 km or more away from your home including towing, gas delivery and minor mechanical aid. The roadside service expenses are billed directly to your Capital One credit card.
Aspire Cash Platinum MasterCard:
[IMG]http://www.capitalone.ca/img/ca/product ... 22x140.png[/IMG]
• Earn Rate: 1% cash rewards on everything you buy (on all net purchases)
• First Purchase Bonus: $50 cash rewards bonus when you make your first purchase
• Every year you’re a customer you get 25% extra cash rewards, on top of the cash rewards you’ve already earned.
• No annual fee
• Our ‘No Hassle Rewards’ redemption platform – No limit to the number of times you can redeem. Redeem for a statement credit or cheque.
Platinum MasterCard Travel Benefits
Full details here
Baggage Delay
If your checked baggage is delayed for more than four hours at your away-from-home destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items.
Travel Accident Insurance
Receive up to $500,000 automatic travel insurance coverage for you, your spouse and your dependent children.
Car Rental Collision/Loss Damage Waiver
You'll be insured for up to 48 days if your rental car is damaged or stolen.
|Platinum MasterCard Everyday Benefits
Price Protection
When you use your Capital One credit card to buy a new item in Canada that is advertised for sale at a lower price within 60 days of purchase, Price Protection refunds the price difference up to $100 per item and $500 per calendar year.
Extended Warranty
When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer’s warranty for up to two additional years.
Purchase Assurance
Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card.
MasterCard Benefits
Master Global Services
Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.
$0 Fraud Liability
If your card is lost or stolen and used without your authorization, you’re protected with $0 Fraud Liability. That means you won’t pay for any unauthorized purchases on your card.
Master RoadAssist® Service
This service provides pre-negotiated rates for 24-hour emergency road service, for travel 80 km or more away from your home including towing, gas delivery and minor mechanical aid. The roadside service expenses are billed directly to your Capital One credit card.
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