Is the Aeroplan® Card worth the higher annual fee?

The Aeroplan® Card costs $195/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $96 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Aeroplan® Card also lists travel credits, dining credits).

Which card earns more rewards, the Aeroplan® Card or JetBlue Plus Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Aeroplan® Card have that the JetBlue Plus Card doesn't?

The Aeroplan® Card offers travel credits, dining credits. The JetBlue Plus Card offers travel credits.

Should I get the Aeroplan® Card or the JetBlue Plus Card?

Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the Aeroplan® Card must earn enough extra (or offer a larger welcome bonus) to justify $195/yr.

Aeroplan® Card vs JetBlue Plus Card

Annual fees: Aeroplan® Card $195/yr, JetBlue Plus Card $99/yr. Strongest bonus categories: Aeroplan® Card on travel, JetBlue Plus Card on dining.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Aeroplan® Card Chase · $195/yr	JetBlue Plus Card Barclays · $99/yr
Annual fee	$195	$99 Lowest
Welcome offerCurrent public offer	75,000 points	70,000 points
Rewards	Aeroplan Loyalty Program	JetBlue TrueBlue Rewards Program
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Travel	3x Highest	1x
Dining	2x	2x
Gas Stations	2x Highest	1x
Grocery Stores	2x	2x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$120 Global Entry/TSA PreCheck/NEXUS · $120 every 4 years	$100 JetBlue Vacations
Dining & delivery	DoorDash DashPass	—
Other credits	Up to $100 in Air Canada credits · $50 every 6 months Credit Journey	—
Perks & access— means none on record
Hotel status & programs	Automatic Aeroplan 25K Status Aeroplan 35K Status at $75,000 spend	—
Airline perks	15% off Air Canada flight redemptions Free First Checked Bags	Save 50% on inflight food and drinks First checked bag free for cardholder plus 3 companions
Other perks	No foreign transaction fees Mastercard 24/7 Concierge	No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Cancellation/Trip Interruption Insurance · up to $1,500 Trip Delay Reimbursement · up to $500	—
Baggage	Baggage Delay Insurance · up to $100	—
Rental car	Auto Rental Collision Damage Waiver	—
Purchase & returns	Purchase Protection · up to $500 24/7 Fraud Monitoring	—
Other protections	Roadside Assistance	—
Pros & cons
Pros	—	6x points on JetBlue purchases provides strong earning rate Free first checked bag extends to up to 3 companions on same reservation 10% points back when redeeming for JetBlue award flights 50% off eligible inflight food and drinks 5,000 anniversary bonus points each year
Cons	—	$99 annual fee may not be justified for occasional flyers No lounge access benefit No companion certificate No priority boarding Only 2x points on restaurants and groceries (same as no-fee card)
	Card details	Card details

Aeroplan® Card
Chase · $195/yr
JetBlue Plus Card
Barclays · $99/yr

Overview

Annual fee: Aeroplan® Card
$195
JetBlue Plus Card
$99
Lowest
Welcome offerCurrent public offer: Aeroplan® Card
75,000 points
JetBlue Plus Card
70,000 points
Rewards: Aeroplan® Card
Aeroplan Loyalty Program
JetBlue Plus Card
JetBlue TrueBlue Rewards Program
Foreign transaction fee: Aeroplan® Card
None
JetBlue Plus Card
None
Network: Aeroplan® Card
Mastercard World Elite
JetBlue Plus Card
Mastercard World Elite

Earn ratesPer $1 spent

Travel: Aeroplan® Card
3x
Highest
JetBlue Plus Card
1x
Dining: Aeroplan® Card
2x
JetBlue Plus Card
2x
Gas Stations: Aeroplan® Card
2x
Highest
JetBlue Plus Card
1x
Grocery Stores: Aeroplan® Card
2x
JetBlue Plus Card
2x
Everything else: Aeroplan® Card
1x
JetBlue Plus Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Aeroplan® Card
$120 Global Entry/TSA PreCheck/NEXUS · $120 every 4 years
JetBlue Plus Card
$100 JetBlue Vacations
Dining & delivery: Aeroplan® Card
DoorDash DashPass
JetBlue Plus Card
—
Other credits: Aeroplan® Card
Up to $100 in Air Canada credits · $50 every 6 months
Credit Journey
JetBlue Plus Card
—

Perks & access— means none on record

Hotel status & programs: Aeroplan® Card
Automatic Aeroplan 25K Status
Aeroplan 35K Status at $75,000 spend
JetBlue Plus Card
—
Airline perks: Aeroplan® Card
15% off Air Canada flight redemptions
Free First Checked Bags
JetBlue Plus Card
Save 50% on inflight food and drinks
First checked bag free for cardholder plus 3 companions
Other perks: Aeroplan® Card
No foreign transaction fees
Mastercard 24/7 Concierge
JetBlue Plus Card
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Aeroplan® Card
Trip Cancellation/Trip Interruption Insurance · up to $1,500
Trip Delay Reimbursement · up to $500
JetBlue Plus Card
—
Baggage: Aeroplan® Card
Baggage Delay Insurance · up to $100
JetBlue Plus Card
—
Rental car: Aeroplan® Card
Auto Rental Collision Damage Waiver
JetBlue Plus Card
—
Purchase & returns: Aeroplan® Card
Purchase Protection · up to $500
24/7 Fraud Monitoring
JetBlue Plus Card
—
Other protections: Aeroplan® Card
Roadside Assistance
JetBlue Plus Card
—

Pros & cons

Pros: Aeroplan® Card
—
JetBlue Plus Card
6x points on JetBlue purchases provides strong earning rate
Free first checked bag extends to up to 3 companions on same reservation
10% points back when redeeming for JetBlue award flights
50% off eligible inflight food and drinks
5,000 anniversary bonus points each year
Cons: Aeroplan® Card
—
JetBlue Plus Card
$99 annual fee may not be justified for occasional flyers
No lounge access benefit
No companion certificate
No priority boarding
Only 2x points on restaurants and groceries (same as no-fee card)

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Aeroplan® Card wins in 2 of 2 categories. The JetBlue Plus Card leads in 0.

Travel

Aeroplan® Card earns 3X vs 1X

Gas Stations

Aeroplan® Card earns 2X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	Aeroplan® Card	JetBlue Plus Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $250 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $148 Year one: $1,123	Rewards: $211 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $117 Year one: $1,062	Close — depends on how much of the credits you use	Aeroplan® Card
Heavy spender: $4,000/month	Rewards: $998 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $896 Year one: $1,871	Rewards: $842 Credits (our usable estimate): $5 − Annual fee ($99) Ongoing: $748 Year one: $1,693	Aeroplan® Card	Aeroplan® Card

Is the Fee Difference Worth It?

The Aeroplan® Card costs $195/yr — that's $96 more than the JetBlue Plus Card ($99/yr). To justify that gap, you need to extract at least $96 in annual value from the card's higher earn rates and benefits.

The Aeroplan® Card includes travel credits, dining credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $96 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $96 fee gap means the Aeroplan® Card needs roughly $96 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing JetBlue Plus Card means losing:

-Global Entry credit

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Published annual fees: Aeroplan® Card $195/yr, JetBlue Plus Card $99/yr — a $96 difference before welcome offers and credits.

Frequently Asked Questions

Is the Aeroplan® Card worth the higher annual fee?: The Aeroplan® Card costs $195/yr vs $99/yr for the JetBlue Plus Card. Compare the year-one vs ongoing value table on this page — the $96 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Aeroplan® Card also lists travel credits, dining credits).
Which card earns more rewards, the Aeroplan® Card or JetBlue Plus Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Aeroplan® Card have that the JetBlue Plus Card doesn't?: The Aeroplan® Card offers travel credits, dining credits. The JetBlue Plus Card offers travel credits.
Should I get the Aeroplan® Card or the JetBlue Plus Card?: Use the spend scenarios on this page: the JetBlue Plus Card has a lower $99/yr fee; the Aeroplan® Card must earn enough extra (or offer a larger welcome bonus) to justify $195/yr.

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Official issuer pages: Chase cards · Barclays cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.