Chase
Aeroplan® Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 75,000 bonus points |
| Rewards Rate | 1x-3x points, spend bonus points |
| Regular APR | 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% variable APR. |
| Network | Mastercard |
About this card
The Aeroplan Card earns an overall rating of 4.1, positioning it as an 'Excellent' credit card, particularly for its target audience of frequent travelers and those loyal to Air Canada or the Star Alliance network. This strong rating is primarily driven by its exceptional rewards program (4.8), very favorable fee structure (4.4), and a robust positive market reputation (4.6). The card offers a generous sign-up bonus, high earning rates on everyday spending categories like groceries and dining, and unique monthly spending bonuses, all contributing to significant point accumulation. The value proposition is further enhanced by numerous premium travel benefits, including automatic elite status, free checked bags, travel insurance, and no foreign transaction fees, which easily justify its $95 annual fee. The synergy with Chase Ultimate Rewards also adds considerable value. However, the card's single most significant drawback is its 'Poor' APR rating (1.3) due to exceptionally high regular variable interest rates. While many responsible cardholders, especially those leveraging travel rewards, aim to pay their balance in full, this high APR poses a substantial risk and cost for anyone who carries a balance, preventing a higher overall score. Despite this, for those who manage their payments effectively and utilize the card's extensive travel perks, its benefits far outweigh this singular weakness, making it a highly compelling option within its niche.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on common spending categories
- No foreign transaction fees
- Automatic elite status and travel perks
- Extensive travel insurance and protections
- Points do not expire
Things to consider
- Annual fee applies
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 75,000 bonus points after spending $4,000 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).
- 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.
- 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.
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Receive access to preferred pricing on flight rewards. As the Primary Cardmember, you can often book flight rewards for even fewer points.
- Receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
- 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.
- 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.
- 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.
- 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.
- You won't be held responsible for unauthorized charges made with your card.
- 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.
- 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.
- 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.
- 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.
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Credit Journey is so much more than a credit score. We provide you with resources to help you build and monitor your credit and credit score to improve your credit. You can access your regularly updated score for free anytime with no impact.
- 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.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Chase Pay Over Time (formerly My Chase Plan) lets eligible Chase customers break up credit card purchases into budget friendly payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- And points do not expire as long as your Aeroplan Credit Card account is open.