Aeroplan® Card
Up to 115,000 bonus points and up to 5X on Air Canada for a $195 annual fee
Earn up to 5X total points on Air Canada purchases, 3X on travel, and 2X on groceries, dining and gas (3X on groceries and dining through 12/31/2026) with a $195 annual fee. Get automatic Aeroplan 25K status, up to $100 in annual Air Canada statement credits, 15% off Air Canada flight redemptions, free first checked bags on Air Canada, and a Global Entry/TSA PreCheck/NEXUS credit every 4 years.
- Annual Fee
- $195
- points · Welcome Bonus
- 75,000
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $195
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Aeroplan Loyalty Program
- Point Valuation
- 1.1–1.45 cpp (mid: 1.3)
- Credit Required
- Good to Excellent
Welcome Offer
75,000
points
Spend $4,000 in the first 3 months
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open, plus 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Earning Rates
- 3X
Travel
3x points on travel purchases
- 3X
Air Canada
3x on purchases made directly with Air Canada, and up to 5x total with an additional 2x from Air Canada when traveling as an Aeroplan 25K member
- 2X
Dining
2x points on dining, including takeout and eligible delivery services. Through December 31, 2026 these purchases earn 3x
- 2X
Grocery Stores
2x points at grocery stores. Through December 31, 2026 these purchases earn 3x
- 2X
Gas Stations
2x points at gas stations
- 1X
All Other
1X points on all other purchases — No annual cap
Earning Scenarios
Up to 5X on Air Canada Purchases
Earn 3 points per dollar on purchases made directly with Air Canada, plus an additional 2X from Air Canada when traveling as an Aeroplan 25K member, for up to 5X total.
Spend $2,000 annually directly with Air Canada: earn 6,000 points with the card's 3X
3X on Travel Purchases
Earn 3 points per dollar on travel purchases, on top of the Air Canada rate for purchases made directly with Air Canada.
Spend $3,000 a year on other travel: earn 9,000 points
2X on Dining (3X Through 12/31/2026)
Earn 2 points per dollar on dining, including takeout and eligible delivery services. Through December 31, 2026, these purchases earn 3X.
Spend $1,500 monthly on dining: earn 36,000 points annually at 2X (54,000 at 3X through 12/31/2026)
2X at Grocery Stores (3X Through 12/31/2026)
Earn 2 points per dollar at grocery stores. Through December 31, 2026, these purchases earn 3X.
Spend $500 monthly on groceries: earn 12,000 points annually at 2X (18,000 at 3X through 12/31/2026)
2X at Gas Stations
Earn 2 points per dollar at gas stations.
Spend $200 monthly on gas: earn 4,800 points annually
1X on All Other Purchases
Earn 1 point per dollar on purchases outside bonus categories.
Spend $3,000 monthly on other purchases: earn 36,000 points annually
Benefits & Perks
Travel Benefits
6 perksElite Status
General Travel
Flights & Airlines
Flights
Concierge
Annual Credits & Statement Credits
4 creditsUp to
$147.50
in recurring credits (annual)
1 credit listed below has no stated dollar amount and is not counted in this total.
$120 Global Entry/TSA PreCheck/NEXUS
Receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
$120
Every 4 years
Up to $100 in Air Canada credits
Up to $50 in Air Canada statement credits twice a year, $100 annually, on eligible Air Canada transactions
$50
Every 6 months
Credit Journey
Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free...
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Annual
DoorDash DashPass
Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower se...
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Annual
Elite Status & Memberships
Fast track to top-tier perks
Automatic Aeroplan 25K Status
Aeroplan 25K Status is automatic for new cardmembers, with no spend requirement: priority check-in and boarding, extra bags, eUpgrade credits.
Aeroplan 35K Status at $75,000 spend
Spend $75,000 in a calendar year to reach Aeroplan 35K Status, and earn up to 25,000 Status Qualifying Credits a year.
Insurance & Protections
7 protectionsTrip Cancellation/Trip Interruption Insurance
$1,500
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cu...
Purchase Protection
$500
Covers new purchases for 120 days against damage or theft up to $500 per item. (90 days in New York.)
Trip Delay Reimbursement
$500
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meal...
Baggage Delay Insurance
$100
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damag...
Show all 7 protectionsShow fewer protections
24/7 Fraud Monitoring
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if the...
Roadside Assistance
If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
Dining Out
2x at restaurants
Aeroplan
≈$2.60 in value on a $100 dinner, at our valuation of 1.3¢ per point
Annual fee: $195
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Aeroplan
Your world awaits
Aeroplan is the loyalty program of Air Canada and Canada's largest travel rewards program. Relaunched in 2020, the program uses a revenue-based earning model where points are earned based on ticket price rather than distance. Aeroplan is part of the Star Alliance network, offering access to 45+ partner airlines worldwide. The program features family sharing, allowing up to 8 members to pool points, and offers free stopovers on one-way award bookings. Elite status tiers provide bonus earning, priority services, and lounge access across the Star Alliance network. Aeroplan takes 1:1 point transfers from major US bank programs including American Express Membership Rewards and Chase Ultimate Rewards. Chase says most transfers process by the next business day; some take up to 7 business days.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Domestic US and Canada in Economy | 7,100 | economy | United States |
| Canada to Hawaii in Economy | 11,600 | economy | United States |
| US to Hawaii in Economy on a Partner | 15,000 | economy | United States |
| US to South America in Economy | 20,000 | economy | South America |
| US to Europe in Economy | 35,000 | economy | Europe |
| US to South America in Business on a Partner | 40,000 | business | South America |
| US to Japan Nonstop in Economy | 50,000 | economy | Asia |
| US to South Africa in Economy on a Partner | 55,000 | economy | Africa |
| US to Europe in Business | 60,000 | business | Europe |
| US to Japan Nonstop in Business | 75,000 | business | Asia |
| US to South Africa in Business on a Partner | 100,000 | business | Africa |
| US to Japan Nonstop in First Class | 110,000 | first | Asia |
| US to India in Business | 90,000 | business | Asia |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesHow It Compares
At $195/year, the Aeroplan Card earns up to 5X on Air Canada and 3X on travel, adds up to $100 in Air Canada statement credits and 15% off flight redemptions, and grants automatic 25K status. Points redeem with Air Canada and 45+ partner airlines, making it a fit for Air Canada loyalists and travelers redeeming across carriers.
The Math: Is $195 Worth It?
First-year value includes $975.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$88.50
Annual Fee
-$195
Net Annual Value
-$106.50
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| One Aeroplan bonus per 24 months | This credit card is available to you if you do not have the Chase Air Canada Aeroplan Card or previous versions and have not received a new cardmember bonus for the Chase Air Canada Aeroplan Card or previous versions in the past 24 months. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
Is United Airlines part of Aeroplan?
United is not part of the Aeroplan program, but it is an Air Canada partner through Star Alliance. You can redeem Aeroplan points to fly United, and their flights appear in your search results whenever United flies the route and award space is available.
Do Aeroplan members get a free checked bag?
No, basic Aeroplan membership alone does not include a free checked bag. All five elite tiers receive at least two free bags, and the Chase Aeroplan credit card adds one free checked bag for you and up to eight companions on the same reservation.
What are the best Aeroplan redemptions?
Short-haul economy flights under 500 miles within the US and Canada can cost as few as 7,000 points. Business class to Europe starts at 60,000 points one-way with no fuel surcharges. Stopovers let you visit two cities for just 5,000 extra points each.
How many points to fly business class to Europe?
Business class flights to Europe cost 60,000-70,000 Aeroplan points one-way depending on distance. East Coast routes under 4,000 miles price at 60,000 points, while West Coast routes in the 4,001-6,000 mile band cost 70,000 points. No fuel surcharges apply on partner airlines.
Can you transfer miles from Air Canada to United?
You cannot transfer Aeroplan miles to United or any other airline. However, United is a Star Alliance partner, so you can redeem Aeroplan points to fly United when award space is available for that route.
How do Aeroplan stopovers work?
For any international award booking, you can add a stopover (24 hours to 45 days) for just 5,000 points. You can add one stopover per direction of travel. Stopovers are only available outside the US and Canada. Book online using the Multi-city/Stopover option, or call Aeroplan for complex itineraries.
Media & Resources
Video Reviews
8 videosWhich Chase Airline Credit Cards Are Actually Worth It?! Aeroplan Card Comparison
Aeroplan Card Review: The Underrated Travel Card That Works for Everyone
The (Almost) Perfect Airline Card: Chase Aeroplan
Watch Me Apply: Chase Aeroplan Card (Secret Bonus!)
THE NEW Aeroplan Card by Chase - Full Review | AIR CANADA
Chase Aeroplan Credit Card Review | Chase Aeroplan Card WORTH IT in 2024?!
Reviewing the New Chase Aeroplan Credit Card - Everything You Need To Know
Third-Party Articles & Reviews
Aeroplan Credit Card for United Flyers
Strategic guide for United Airlines loyalists showing how to maximize Aeroplan points for United award flights, including redemption sweet spots and transfer strategies.
Chase Aeroplan World Elite Mastercard Review
Comprehensive review highlighting the card's automatic elite status, ability to redeem points with 45+ partner airlines, and unique spend-based status upgrade system. Notes the card requires good to excellent credit.
Aeroplan Credit Card: Full Review [2026]
Full review covering the Aeroplan card's 60,000-point welcome offer, 3x earning categories, automatic Aeroplan 25K status, and free checked bags. Includes detailed benefit analysis and redemption strategies.
Aeroplan® Credit Card Review 2026
Review highlighting 3x earning on groceries, dining, and Air Canada purchases, plus automatic 25K elite status and Global Entry/TSA PreCheck credit. Covers spend multipliers and travel protections.
Aeroplan® Credit Card 2026 Review | U.S. News
Objective review with 3.8/5 rating covering pros (3x points, free checked bags, elite status) and cons ($95 annual fee, must book Air Canada directly for 3x). Includes redemption value analysis.
Is the Aeroplan Credit Card Worth It?
Analysis of card value proposition focusing on lucrative sign-up bonus, automatic elite status, and redemption flexibility with 45 airline partners. Notes high spending requirements for premium perks.
Chase Aeroplan Credit Card Military | Annual Fee Waived
Review specifically for military servicemembers and spouses, highlighting annual fee waiver under Chase's Military Lending Act policy and integration with Chase 5/24 rules.
Chase Aeroplan Credit Card Review & Guide (2026)
In-depth guide covering earning rates, elite status benefits (25K automatic, 35K with spending), priority reward vouchers for high spenders, and the million-dollar companion certificate benefit.
Chase Aeroplan Credit Card Review
Review focusing on international travel benefits, automatic Aeroplan 25K status, and redemption flexibility with Star Alliance partners. Includes detailed award chart pricing examples.
Aeroplan® Credit Card Review 2026
Review emphasizing the card's value for Aeroplan program loyalists, automatic elite status, and 500 bonus points per $2,000 monthly spend. Includes expert take and user recommendations.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase Official | — | Chase Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Annual fee | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
