Chase
Aeroplan® Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 60,000 bonus points |
| Rewards Rate | 1x-3x points |
| Regular APR | 19.74%–28.24% variable APR. |
| Network | Mastercard |
About this card
The Aeroplan® Card earns an overall rating of 4.3, placing it firmly in the 'Excellent' category. This card is an exceptionally strong offering, particularly for its target audience of frequent travelers loyal to Air Canada and the Star Alliance network. Its strengths are primarily rooted in its outstanding rewards program, very favorable fee structure, and a robust suite of travel benefits that collectively deliver immense value. The rewards program is nearly unparalleled, receiving a 4.9 rating. It offers high earning rates on common spending categories (3x on groceries, dining, and Air Canada), a generous 60,000-point sign-up bonus, and unique monthly spending bonuses. The flexibility of Aeroplan points, redeemable across Air Canada's extensive network and over 45 Star Alliance partners, combined with a 10% bonus on Chase Ultimate Rewards transfers, significantly enhances its value proposition. Beyond points, the card provides premium travel perks such as automatic Aeroplan 25K Status, free first checked bags, a Global Entry/TSA PreCheck/NEXUS fee credit, and comprehensive travel and purchase protections, all of which easily justify its annual fee. The fee structure, rated 4.5, is also a major strength. The $95 annual fee is reasonable for the extensive benefits provided, and critically for a travel card, it carries no foreign transaction fees, making it ideal for international use. The card's primary weakness, however, is its 'Poor' APR rating of 1.3. It lacks an introductory APR period, and its regular variable APR (19.74%–28.24%) is exceptionally high for a card targeting individuals with 'Very Good' credit. While many responsible cardholders who utilize travel rewards cards aim to pay their balance in full, this high APR poses a significant financial risk and cost for anyone who carries a balance, preventing the card from achieving an 'Exceptional' 5.0 rating. In summary, the Aeroplan Card is an excellent choice for those who can leverage its robust rewards and extensive travel benefits and consistently pay their balance in full. For this user profile, the benefits overwhelmingly outweigh the moderate annual fee. However, individuals who anticipate carrying a balance should approach this card with caution due to its uncompetitive interest rates. **Strengths:** * Exceptional rewards earning rates (3x on groceries, dining, Air Canada) and a generous sign-up bonus. * Valuable monthly spending bonuses, boosting overall earning potential. * Highly flexible redemption options through Aeroplan's extensive Star Alliance network. * Significant travel perks including automatic elite status, free checked bags, and a Global Entry/TSA PreCheck/NEXUS credit. * Comprehensive travel and purchase protections. * No foreign transaction fees, ideal for international travel. * Reasonable $95 annual fee that is easily offset by card benefits. * Strong synergy with Chase Ultimate Rewards points transfers. **Weaknesses:** * No introductory APR period. * Very high regular variable APR, making it expensive if a balance is carried.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate in key spending categories
- No foreign transaction fees
- Includes valuable travel perks and elite status benefits
- Comprehensive travel and purchase protections
- Flexible point redemption options and transfer partner bonus
Things to consider
- Annual fee applies
- No introductory APR period
- Potentially high regular APR
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.
- Upgrade to Aeroplan 35K Status Achieve Aeroplan 35K Status after spending $75,000 on purchases made during a calendar year.
- Get up to 25,000 SQC 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.
- 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 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.
- DoorDash 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. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- And points do not expire as long as your Aeroplan Credit Card account is open.