Chase Aeroplan Credit Card Review
Key Takeaways
If you’re an Air Canada loyalist, the Chase Aeroplan Credit Card offers great perks that justify its $95 annual fee. By timing your application strategically, you could secure nearly two years of complimentary 25k Aeroplan Status, which provides valuable benefits for frequent Air Canada flyers. Even if you don’t often fly on Air Canada–operated flights, you can still benefit from this card and its 85,000-mile sign-up bonus, as Aeroplan points transfer to around 45 different airlines — making them extremely flexible.
Why This Card Could Be Right For You
In addition to its strong sign-up bonus, the Chase Aeroplan Card is attractive because you can redeem miles with up to 45 different airlines. Currently, you can earn 85,000 miles after spending $3,000 on purchases within the first three months, plus another 10,000 miles after your annual fee renewal payment posts and is paid in full. If you continue to spend on the card beyond earning the sign-up bonus, you’ll benefit from generous spending multipliers—such as 3x points at grocery stores, restaurants (including takeout and eligible delivery services), and on purchases made directly with Air Canada. You’ll also receive 500 bonus points for every $2,000 spent in a calendar month (up to 1,500 points per month).
Beyond these earning opportunities, the Chase Aeroplan Card offers numerous travel perks, particularly for those who fly Air Canada at least a few times per year. Cardmembers (and up to eight travel companions on the same reservation) get a free first checked bag when travel begins on an Air Canada flight. New cardmembers also receive complimentary Aeroplan 25k Status for the rest of the current year plus the following year. If you apply early in the year, that can add up to nearly two full years of status. Although 25k is Aeroplan’s lowest status tier, it still comes with perks like priority check-in, two free checked bags, two Maple Leaf Lounge passes, priority boarding, priority reservation waitlisting, 20 eUpgrade credits, and complimentary preferred seats. You can also redeem points instead of paying cash for seats and gain access to preferred pricing on flight rewards.
If you don’t have Global Entry, TSA PreCheck, or NEXUS, the card provides a $120 credit every four years for enrolling in one of these programs.
When The Usual Advice Doesn't Apply
Here are a few scenarios where this card might not work for you:
- While you can redeem points on up to 45 different airlines, you won’t enjoy all of the same travel perks if you’re not flying on Air Canada–operated flights.
- If you prefer to open a new card and spend toward a new sign-up bonus instead of putting spending on this card to unlock more benefits, another card may be more appealing.
What to Know About Air Canada Aeroplan
If you live in the United States, Air Canada is a complicated alternative to United Airlines, though better value can be found.
- Similar to United, you can access Star Alliance international flights through Air Canada, but sometimes at lowerr point totals
- You cannot book flights between two U.S. cities
- Air Canada can be useful for international flights that naturally route through Canada.
- Aeroplan allows up to two stopovers per flight for 5,000 points each
How The Chase Aeroplan Credit Card Fits In The Air Canada Aeroplan Ecosystem
The Chase Aeroplan Card is the only co-branded Air Canada credit card available to U.S. residents. If you live in Canada, there are several different Air Canada–affiliated cards you can explore.
If you don’t want a co-branded card, keep in mind that points from American Express, Capital One, Chase, Bilt, and Marriott Bonvoy can all be transferred to Aeroplan. Most of these programs offer a 1:1 transfer ratio (Marriott transfers at 3:1). This means you can still take advantage of Air Canada flights if you have points from any of these other cards.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 85,000 | $4,000 | 1.4 ¢ | $50 | $95 |
$1201
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Automatic Aeroplan 25K Status annually for New cardmember,3x points on grocery stores & Restaurant | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Award System
Most Recent Special Offer
$4,000 spend ended Jan 2025
Spend Categories
3X points
4.2¢ Per Dollar Spent
1X points
1.4¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
3X points
4.2¢ Per Dollar Spent
Card Benefits
Get up to $100 statement credit for Global Entry, or an $85 fee credit for TSA PreCheck or NEXUS application.
Automatic Aeroplan 25K Status annually for New cardmember.
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.
Trip cancellation insurance up to $1,500 per person and $6,000 per trip.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Your first checked bag is free on Air Canada for you and up to 8 travel companions on the same reservation.
You're covered for new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System Air Canada Aeroplan
Transfers In From
1:1 88% value retained
1:1 108% value retained
1:1 88% value retained
5:1 47% value retained
3:1 67% value retained
Chase Aeroplan Application Rules
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months