Capital One Aspire credit card - any real world experience?
Aug 2, 2013, 11:16 pm
#91
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
For me, charges and payments always post within 48 hours.
Today I had a new run in with them, however. While traveling in Spain, a trip which I reported in advance, I tried to charge a 1,000 euro laptop. The transaction was declined. After 15 minutes on the phone via a lousy skype connection (no way to call collect in the shop), they told me that they had removed the restriction. I tried again, and the card was declined again.
Later in the day, I called Capital One from the hotel, and they told me the transaction was repeatedly declined because the store defined itself as a book shop and not as an electronics store. This was FNAC, the largest electronics chain in Spain and France, which also happens to sell books (and, for the record, I have been known to buy 1,000 euros worth of books). Basically, their point is that you cannot shop for electronics of a certain value at FNAC with a Capital One card.
The charge went through without a hitch on Amex (to which I had not reported my travel).
Today I had a new run in with them, however. While traveling in Spain, a trip which I reported in advance, I tried to charge a 1,000 euro laptop. The transaction was declined. After 15 minutes on the phone via a lousy skype connection (no way to call collect in the shop), they told me that they had removed the restriction. I tried again, and the card was declined again.
Later in the day, I called Capital One from the hotel, and they told me the transaction was repeatedly declined because the store defined itself as a book shop and not as an electronics store. This was FNAC, the largest electronics chain in Spain and France, which also happens to sell books (and, for the record, I have been known to buy 1,000 euros worth of books). Basically, their point is that you cannot shop for electronics of a certain value at FNAC with a Capital One card.
The charge went through without a hitch on Amex (to which I had not reported my travel).
Aug 3, 2013, 7:20 am
#93
Join Date: Oct 2009
Location: YUL
Programs: AC SE (*A Gold), Bonvoy Platinum Elite, Hilton Gold, Amex Platinum / AP Reserve, NEXUS, Global Entry
Posts: 5,691
Aug 11, 2013, 7:35 am
#94
Join Date: Jun 2008
Location: YUL
Programs: Air Canada Aeroplan, Avios, Aegean
Posts: 37
thanks everyone for sharing your experiences...
I had a trip delay in Hawaii and I thought I would have to use my Capital One insurance... but I ended up finding another flight (I had connections the day after so I went higher on priority list) and Hawaiian gave me taxi vouchers.... so no extra expense in the end.
Considering all that was said here, I am happy not to have any expense and go to the trouble to claim them.
I still like the near-2% (more around 1.8-1.9% depending of how close the expense is to $150, $350 or $600) and can use it for my monthly bus passes near $150.. but for travel purposes.... out of question I use this card
I had a trip delay in Hawaii and I thought I would have to use my Capital One insurance... but I ended up finding another flight (I had connections the day after so I went higher on priority list) and Hawaiian gave me taxi vouchers.... so no extra expense in the end.
Considering all that was said here, I am happy not to have any expense and go to the trouble to claim them.
I still like the near-2% (more around 1.8-1.9% depending of how close the expense is to $150, $350 or $600) and can use it for my monthly bus passes near $150.. but for travel purposes.... out of question I use this card
Aug 29, 2013, 6:03 pm
#96
Join Date: Nov 2010
Programs: Enough
Posts: 961
An update re: DL Cap1 insurance claim.
I posted earlier how I had a destroyed laptop claim 120 days from the date of purchase, counting the date of purchase as day 0 (so it could be argued that it was 121 days). On RFD, and I believe here as well (not sure), most people thought I'd lose my insurance claim. I am happy to report that after awhile, WTP (Cap1's insurance partner) fully paid my claim.
I posted earlier how I had a destroyed laptop claim 120 days from the date of purchase, counting the date of purchase as day 0 (so it could be argued that it was 121 days). On RFD, and I believe here as well (not sure), most people thought I'd lose my insurance claim. I am happy to report that after awhile, WTP (Cap1's insurance partner) fully paid my claim.
Aug 30, 2013, 1:48 pm
#97
Company Representative - Capital One
Join Date: Dec 2011
Posts: 14
An update re: DL Cap1 insurance claim.
I posted earlier how I had a destroyed laptop claim 120 days from the date of purchase, counting the date of purchase as day 0 (so it could be argued that it was 121 days). On RFD, and I believe here as well (not sure), most people thought I'd lose my insurance claim. I am happy to report that after awhile, WTP (Cap1's insurance partner) fully paid my claim.
I posted earlier how I had a destroyed laptop claim 120 days from the date of purchase, counting the date of purchase as day 0 (so it could be argued that it was 121 days). On RFD, and I believe here as well (not sure), most people thought I'd lose my insurance claim. I am happy to report that after awhile, WTP (Cap1's insurance partner) fully paid my claim.
Sep 22, 2013, 1:44 pm
#99
Original Poster
Join Date: Jun 2009
Programs: Air Canada Aeroplan
Posts: 1,748
There are no forms. You have to call them and they will instruct you to send a free-form letter along with the documentation.
Oct 6, 2013, 9:24 pm
#100
Join Date: Jul 2013
Posts: 3
Since the cp1 is still a good travel insurance cover and i don't want to pay 499 bucks only for amex travel insurance. I still stick on my cp1 world travel 
.
Any other credit card could be recommended expected Amex platinum?
I already had scotia and td credit card with travel insurance, but lucky never claim anything with them.
.Any other credit card could be recommended expected Amex platinum?
I already had scotia and td credit card with travel insurance, but lucky never claim anything with them.
Feb 13, 2014, 7:54 am
#101
Join Date: Jan 2003
Posts: 706
Do you know if the C1 Aspire mastercard travel medical insurance will cover me and my spouse even though I didn't book the trip using the credit card?
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
Feb 20, 2014, 12:13 pm
#102
Join Date: Sep 2010
Location: Canadia
Programs: A loyal Amerisuites customer... oh wait
Posts: 2,033
Do you know if the C1 Aspire mastercard travel medical insurance will cover me and my spouse even though I didn't book the trip using the credit card?
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
I see your point. The wording on the website seems to suggest that.
Feb 25, 2014, 11:11 am
#103
Company Representative - Capital One
Join Date: Dec 2011
Posts: 14
Do you know if the C1 Aspire mastercard travel medical insurance will cover me and my spouse even though I didn't book the trip using the credit card?
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
From the wordings in the insurance certificate, it seems only trip interruption, baggage delay, common carrier insurance, etc require booking the trip with the credit card.
thanks.
It's Andrew from Capital One. As the primary cardholder, you and your spouse as well as 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. You do not need to charge anything to the card in order to be covered for Travel Emergency Medical Insurance. The other insurance benefits require you to use your Capital One card and/or your Capital One Reward Miles in order to be eligible for the coverage.
Feb 26, 2014, 12:45 pm
#104
Join Date: Jan 2012
Location: yow,yvr,yxx
Programs: aeroplan airmiles priorityclub choiceprivilege asiamiles spg bw
Posts: 317
It seems you can get a cash back rebate of $75 if you apply for this card via gcr now til april 30.
Last edited by VH99; Feb 26, 2014 at 12:58 pm
Feb 26, 2014, 1:23 pm
#105
Join Date: Sep 2010
Location: Canadia
Programs: A loyal Amerisuites customer... oh wait
Posts: 2,033
http://www.greatcanadianrebates.ca/d...neTravelWorld/
Edit: On the day I posted this, the offer was $30. The next day, it's $75. Go figure.
Last edited by jerry305; Feb 27, 2014 at 9:18 am