Chase
Air Canada Aeroplan® Card
Key Features
| Annual Fee | $195.00 |
| Sign-up Bonus | Up to 115,000 bonus points |
| Rewards Rate | 1x-5x 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 Air Canada Aeroplan® Card earns an 'Excellent' overall rating of 4.4 out of 5.0, standing out as a premier choice for frequent travelers, especially those loyal to Air Canada and the Star Alliance network. Its exceptional rewards program, generous sign-up bonus of up to 115,000 points, and strong earning rates across key spending categories (travel, dining, groceries, gas) provide substantial value. The automatic Aeroplan 25K Elite Status and the unique 15% discount on eligible Air Canada flight redemptions are particularly compelling features that significantly enhance the travel experience. Furthermore, the fee structure is well-managed, with the $195 annual fee largely offset by up to $100 in annual Air Canada statement credits and the absence of foreign transaction fees, making the net cost very reasonable for the extensive benefits provided. The card's strong reputation among financial publications and consumers further solidifies its position as a top-tier travel card. The primary drawback is the 'Fair' APR rating, characterized by the lack of an introductory APR period and a high regular variable APR (19.74%–28.24%). This makes the card unsuitable for carrying a balance, as interest charges would quickly erode the value of earned rewards. However, for a premium travel rewards card, it's generally expected that cardholders will pay their balance in full each month to maximize benefits without incurring interest. For its target audience—individuals with excellent credit who can responsibly manage their payments and fully leverage the travel benefits—this card offers an outstanding value proposition, delivering a rich suite of perks and a highly rewarding points program that far outweigh its annual fee.
Pros & Cons
What's great
- Generous sign-up bonus
- Elevated rewards rate on travel, dining, groceries, and gas
- No foreign transaction fees
- Automatic elite status with travel benefits
- Valuable travel credits and statement credits
- Comprehensive travel and purchase protections
Things to consider
- Annual fee applies
- No introductory APR period
- High regular APR
What this card offers
Sign-up bonuses
- Earn up to 115,000 bonus points.
- 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.
Rewards
- NEW! Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K member.
- NEW! 3X points per $1 spent on travel purchases.
- 2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent.
- 2X points per $1 spent on dining, including takeout and eligible delivery services. Through December 31, 2026, these purchases will earn 3X points per $1 spent.
- NEW! 2X points per $1 spent at gas stations.
- 1X points per $1 spent on all other purchases.
Other features
- UPDATED! Automatic Aeroplan 25K Status - As a new cardmember, you'll travel better with automatic Aeroplan 25K Status without any spend requirement. Enjoy benefits such as Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits.
- NEW! FLY15OFF - As a cardmember, you’ll save 15% on eligible Air Canada flight redemptions.
- NEW! Up to $100 in Air Canada statement credits - Receive up to $50 in Air Canada statement credits delivered twice annually when you make eligible transactions.
- Free first checked bags - Cardmembers and up to eight people traveling on the same reservation all enjoy free first checked bags on Air Canada flights.
- No foreign transaction fees - Pay no foreign transaction fees when you use your card for purchases made outside the United States.
- 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.
- 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.
- 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.
- DoorDash - Get one-year complimentary DashPass by DoorDash ($120/year in value), that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- Plus, get up to $10 off monthly on groceries, everyday essentials, and more on DoorDash through Dec 31, 2027 as long as you remain enrolled in your Chase DashPass membership. Only for enrollees who sign up for this Chase DashPass membership on or after Sep 1, 2026.
Additional Notes
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.