Aspire Cash Platinum MasterCard

This is the cash back credit card that Capital One offers to the Canadian market. This card carries no annual fee and an annual interest rate of 19.8% on purchases, balance transfers, and cash advances. Cardholders can also add additional authorized users for no annual fee.

Holders of the Aspire Cash Platinum Mastercard from Capital One earn 1% cash back on every $1 they spend on their card. Cardholders can then redeem their cash back for a statement credit or receive their cash back in a cheque. What is more, Capital One cash back rewards never expire, and cardholders can redeem as much or as little cash back as they want at any time. Additional benefits include purchase protection, extended warranties, several useful travel insurance products, and zero-liability fraud protection.

The bottom line: The Aspire Cash Platinum Mastercard from Capital One offers cardholders a simple and convenient way to earn cash back on money they are already spending. The ability to also add additional authorized users for no annual fee allows cardholders to earn even more cash back based on the purchases of those whom they support. Finally, Capital One's mobile app makes is easy to redeem cash back for a statement credit in as little as two taps, making this card an excellent choice for Canadians seeking a cash back card without additional benefits that they would not use.