Who can apply?
Capital One does not publish a minimum income or score for this card. The basic conditions are:
✔️ Have reached the age of majority where you live: 18 in Alberta, Manitoba, Ontario, PEI, Quebec and Saskatchewan, 19 elsewhere
✔️ Live in Canada and have a Canadian mailing address
✔️ Not have a Capital One account that fell out of good standing in the last year
✔️ Pass the credit assessment; Quick Check shows in seconds whether you are pre-approved, with no effect on your score
What are the rates and fees?
✔️ Annual fee: $0; additional cardholder: $0
✔️ Purchases, balance transfers and cash advances: 19.8%, 21.9% or 25.9% per year, depending on the rate you are approved for
✔️ Interest-free grace period of at least 25 days on new purchases when you pay the balance in full by the due date; none on cash advances
✔️ Minimum payment outside Quebec: the greater of $10 or 1% of the new balance plus interest and fees; in Quebec, 5% of the new balance (minimum $15)
The rate you receive is fixed at approval and printed in the disclosure box before you accept the card. Rates and fees come from Capital One’s cardholder agreement dated September 1, 2026 and can change.
What documents and information do you need?
✔️ Full name, date of birth and current address
✔️ Employment status and gross annual income
✔️ Monthly housing cost (rent or mortgage)
✔️ Social Insurance Number (optional; it speeds up identity verification)
✔️ Government-issued photo ID may be requested to confirm your identity
A piece of advice for you!
Run Quick Check first. It takes under a minute, uses a soft inquiry and tells you which Capital One cards you are pre-approved for. If the Aspire Travel Platinum is not on the list, the tool usually suggests the Guaranteed Mastercard instead, and you will have avoided a hard inquiry on your Equifax and TransUnion files.
Before applying, decide how you will redeem. If you rarely travel, the same miles convert to gift cards and statement credits, so nothing is lost; but if you never redeem at all, a plain cash back card may serve you better.
Finally, set up automatic payment of the full balance. At 21.9% a carried balance of $2,000 costs about $36 a month in interest, more than the miles earned on $3,000 of spending.
Applying for the Aspire Travel Platinum Mastercard
The application is fully online on Capital One Canada’s site: check pre-approval, confirm your details, review the disclosure box and submit. Most applicants receive a decision within minutes; if extra verification is needed, Capital One contacts you. The card arrives by mail in about one to two weeks.
Ready to see if you are pre-approved? Press the button to open the official Capital One page.
Kredua is not a bank, a lender or a financial institution and does not issue credit. We describe products offered in Canada so you can decide with better information; any application is made directly with the institution, which alone assesses and approves it.
