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Apply online for a Capital One Gold Plus MasterCard and shrink your rate while you rebuild your credit.

"It just takes a minute to complete and submit
your Evolution MasterCard application"

Guaranteed access to a credit card and the power to shrink your rate.
These days everybody needs a credit card. Whether it’s to shop online or book travel, the Evolution MasterCard gives you guaranteed access to the credit you need and the control to shrink your purchase and balance transfer interest rates by 3% every year for two years. All you need to do is pay your minimum payments on time and stay within your credit limit. You can then watch your rate shrink while you build up a positive credit history.
To qualify for a Guaranteed MasterCard you must be at least the age of majority in your province or territory of residence; not have an existing Capital One account, not have applied for a Capital One account within the last 45 days, or had a Capital One account that wasn't in good standing; and provide security funds, if required, by cheque or money order.
Secure Online Application Safe and secure online application with SSL encryption technology.
Get your Capital One Evolution MasterCard MasterCard to enjoy benefits today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
Capital One® Evolution MasterCard®
 
Capital One Gold MasterCard
  • Shrink your rate by 6% over two years – to 13.8%
  • Build your credit history
  • Guaranteed access to credit
  • Valuable Gold MasterCard benefits including $0 Fraud Liability

Intro APR Intro Period Annual Fee
N/A N/A $59
Click here to Apply
Now or Learn More...
 

How does my rate shrink?

Good credit behaviour deserves a better rate.
After the first year your rate will drop from 19.8% to 16.8%. Keep up your minimum monthly payments and stay within your credit limit and we’ll shrink your rate even further after the second year – to 13.8%! Then, you can keep your rate at 13.8% by continuing your good credit behaviour. And why not? You’ve earned it.

How does my rate shrink?
All you need to do is practice good credit behaviour. Sounds serious but it isn’t. It just means paying your minimum monthly payment on time and not going over your credit limit. Do that and you’ll see your rate shrink!

Relax with valuable Gold MasterCard Benefits.

Everyday Gold 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.

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.

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 years.

Gold Travel Benefits
Travel Accident Insurance
Receive up to $250,000 automatic travel insurance coverage for you, your spouse and your dependent children when you charge the full cost of your common carrier tickets to your Capital One credit card.

Car Rental Collision/Loss Damage Waiver
Charge the full cost of your car rental to your Capital One card and decline the collision damage waiver insurance offered by the rental agency (you could save $20-$30 per day) and you’ll be insured if your rental car is damaged or stolen when you rent the car for a period of up to 31 days.

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. The full cost of your tickets must be charged to your Capital One credit card.

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.

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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