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  1. Credit Cards
  2. Aeroplan® Credit Card
Chase

Aeroplan® Credit Card

Built for Air Canada flyers and Aeroplan users in the U.S., the Aeroplan Credit Card is strongest as a travel card for people who can use both the airline perks and the transfer value of Aeroplan points. It is not an all-purpose rewards card, but for regular Air Canada travelers it offers a useful mix of solid everyday bonus categories and practical trip benefits at a manageable $95 annual fee.

Welcome Offer
Earn 60,000 bonus points
Annual Fee
$95
Rec. Credit Score
Good
Good For
Air Canada travelers
Learn MoreEstimate your value
Aeroplan® Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Aeroplan® Credit Card worth it?

This card is great for...

Air Canada checked bag savings

Dining and grocery spending

Aeroplan award travel

This card is worth it for travelers who expect to fly Air Canada with some regularity and want to build Aeroplan points through both travel and everyday spending. The first checked bag benefit can go a long way toward covering the $95 annual fee, especially for couples or families on the same reservation, and the 3x categories on dining, groceries, and Air Canada purchases give it more day-to-day usefulness than many airline cards.

It makes less sense if you rarely fly Air Canada or do not plan to redeem through Aeroplan. Outside of those uses, the card starts to look narrow, since everyday non-bonus spending only earns 1x. Some of the status and high-spend benefits are meaningful, but they are aimed at heavy Air Canada loyalists rather than the average cardholder. For most readers, this card works best as an airline-specific keeper card, not as the only card in your wallet.

MaxRewards

MaxRewards Verdict

The Aeroplan Credit Card is a strong fit for Air Canada flyers who want lower travel costs, useful airline perks, and a good way to earn Aeroplan points on groceries and dining. If Air Canada is not part of your regular travel pattern, its value drops off quickly.

Welcome Offer

Earn 60,000 bonus points

after you spend $3,000 on purchases in the first 3 months your account is open.

Est. Value

$1,020

Required Spend

$3,000

Time Frame

3 Months

Est. Value

$1,020

Required Spend

$3,000

Time Frame

3 Months

Earning

Rewards

Aeroplan points can be quite valuable when used for flights, so the card's 3x categories matter most if you actually redeem through the program. In practice, this card earns well on dining, groceries, and Air Canada purchases, but ordinary spending outside those categories is better handled by a stronger everyday card.

CategoryRate

Grocery Stores, Dining at Restaurants, Air Canada (Direct)

5.1%

All Other Purchases

1.7%

Rewards percent based on a valuation of 1.7¢ per Aeroplan point

Annual Credits & Perks

Benefits

The value here comes mostly from travel benefits you can use without much effort, especially free checked bags and the application fee credit for Global Entry, TSA PreCheck, or NEXUS. Beyond that, the card includes some status-related perks and protections that matter more if you fly Air Canada often.

BenefitAnnual value
$40
$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Aeroplan® Credit CardGlobal Entry or TSA PreCheck® or Nexus Application Fee Statement Credit
Autotracked
$0 of $120Every 48 months

Benefits

Insurance

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

Benefits

Status & Access

Aeroplan Priority Reward

Earn an Aeroplan Priority Reward voucher when you spend $100,000, $250,000, $500,000 and $750,000 in purchases during a calendar year. The Priority Reward can be used to save you 50% on the price in points on a flight reward and is valid on different cabins and destinations from domestic to worldwide, in economy or up to Signature/Business class depending on your Aeroplan Elite™ Status tier. Vouchers expire one year after the issue date. Make sure to book a flight within one year from the date the voucher is issued or it will expire.


Aeroplan 25K Status

New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year. Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada operated flights.


Maintain Aeroplan 25K Status

Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year. Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada-operated flights.


Aeroplan Elite Status Level Up to Aeroplan 35K Status or higher

Achieve Aeroplan 35K Status after spending $75,000 on purchases during a calendar year. Enjoy benefits such as Priority Security Clearance and upgrades to premium cabins on Air Canada operated flights.


Complimentary DashPass Membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

500 bonus points for every $2,000 spent - up to 1,500 points per month

Earn 500 bonus points for every $2,000 you spend in a calendar month – up to a maximum of 1,500 points per month.


First free checked bags

Travel lightly through the airport and save on baggage fees. Primary cardmembers and travel companions (up to eight) travelling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight.


Get a 4th Night Free

Every time you redeem Aeroplan points for a three-night stay, the fourth night is free. This offer will expire December 31, 2026, unless extended.


Aeroplan Global +1

Earn the Global +1 benefit when you spend $1,000,000 or more in purchases during a calendar year. With Global +1, when you redeem points for travel with your designated companion, you will receive the points back for your companion’s fare after your trip is completed. The Global +1 benefit is valid for your companion’s flight redemptions in any cabin class for travel to any destination worldwide, from the benefit issued date through the end of the following calendar year. Taxes, booking fees and applicable third-party charges may apply.


Get up to 25,000 SQC

Reach Aeroplan Elite® status and unlock Milestones faster with your card. Primary Cardmembers can get up to 25,000 Status Qualifying Credits (SCQ) each calendar year (5,000 SQC as a bonus, 10,000 SQC with $25,000 in net purchases, and another 10,000 SQC with $50,000 in net purchases on the card account).

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$95

Purchase APR

19.74% - 28.24%

Variable

Transfer APR

19.74% - 28.24%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of Aeroplan® Credit Card, please visit the Chase website.

Table of Contents

Aeroplan® Credit Card

Aeroplan® Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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