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Chase

Aeroplan® Card

TravelDiningGroceryAirlineIntro OfferNo Foreign Transaction FeesGood Credit

Key Features

Annual Fee$95.00
Regular APR
19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR.
NetworkMastercard
Read the full review
Best for those with
Good Credit

About this card

Considering the provided ratings, the Aeroplan card earns an overall rating of 3.0. The rewards program is a significant strength, providing solid value for Air Canada flyers and those who spend on dining and groceries. The absence of foreign transaction fees and perks like the Global Entry/TSA PreCheck credit add to the card's appeal. However, the high APR is a notable drawback, and while the $95 annual fee is standard for this type of card, it does impact the overall value proposition. Without reputation information, the rating leans toward the lower end of the 'Good' range. The card is best suited for individuals who can take full advantage of the Aeroplan rewards program and avoid carrying a balance to mitigate the high APR.

3.0
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on select categories
  • No foreign transaction fees
  • Automatic elite status
  • Statement credit for Global Entry or TSA PreCheck

Things to consider

  • Annual fee
  • High regular APR
  • Requires good or excellent credit

What this card offers

Sign-up bonuses

  • Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months your account is open.

Rewards

  • 3x points for each dollar spent at grocery stores.
  • 3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services.
  • 3x points for each dollar spent with Air Canada directly.
  • 1x points for each dollar spent on all other purchases.
  • 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.

Other features

  • New Cardmember 25K Status New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year.
  • Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year.
  • Achieve Aeroplan 35K Status after spending $75,000 on purchases made during a calendar year.
  • Primary Cardmembers can get up to 25,000 Status Qualifying Credits (SQC) 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).
  • Free First Checked Bags Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight.
  • Pay Yourself Back We've made it easy to turn your recent travel, dining, grocery store and gas station purchases into a statement credit. It’s up to you how you want to redeem your Aeroplan Points. Just select your eligible transactions that posted to your account within the last 90 days to redeem.
  • No foreign transaction fees You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
  • Preferred Pricing Receive access to preferred pricing on flight rewards. As the Primary Cardmember, you can often book flight rewards for even fewer points.
  • Global Entry or TSA PreCheck® or NEXUS Fee Credit Receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
  • Mastercard 24/7 Concierge Need to locate hard to find items or even reserve that perfect table? Our concierge is there to help. To contact the concierge, call the number on the back of your card.
  • 10% bonus on Ultimate Rewards® points transfers Chase Aeroplan credit cardmembers, get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 Aeroplan bonus points per calendar year.
  • Trip Cancellation and Interruption Insurance You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • 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.
  • Zero Liability Protection You won't be held responsible for unauthorized charges made with your card.
  • 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 there are unusual purchases on your credit card.
  • 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.
  • Auto Rental Coverage 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.
  • 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 time of dispatch.
  • Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
  • Redeem your points for flight rewards with Air Canada and Aeroplan's 45+ partner airlines to more than 1,300 destinations worldwide.
  • Redeem for every seat, on every Air Canada flight, no restrictions.
  • No cash surcharges on flight rewards with Air Canada
  • Redemptions start at 6,000 points
  • Add a stopover on international trips for just 5,000 points
  • Points do not expire as long as your Aeroplan Credit Card account is open.
  • Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
  • DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Contactless - Just Tap To Pay For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
  • Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.

Additional Notes

Chase Aeroplan credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

Ratings

3.8
3.8
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3.5