Editor’s Note: This is a recurring post, updated regularly with new information and offers.

Chase Aeroplan Credit Card Overview

Chase’s Aeroplan® Credit Card is one of our favorite cobranded airline credit cards, offering rewards flexibility and valuable airline benefits. With its strong earning rate and incentives to spend on the card in addition to earning sign-up bonuses, the Aeroplan Credit Card is worth considering for many points and miles enthusiasts – even those who don’t live in Canada. Card Rating*: ⭐⭐⭐⭐

*Card ratings are based on the opinion of TPG’s editors and are not influenced by the card issuer.

The Aeroplan Credit Card, which launched in late 2021, offers unique benefits we’ve rarely seen on other cobranded airline cards, all for a reasonable $95 annual fee.

You will need a good credit score of at least 670 to successfully apply for this card.

If the ability to use points on over 50 airlines worldwide and automatic elite status appeals to you, keep reading.

Related: Are Airline Credit Cards Worth It Now?

Advantages and Disadvantages of Aeroplan Card

pros opposition
  • Ability to redeem your points with over 50 partner airlines
  • Complimentary elite status for two calendar years
  • First checked bag free for you and up to eight guests
  • Travel security
  • Does not offer the same flexibility as a normal travel card
  • Getting the most value out of the rewards requires a little extra work
  • Subject to Chase 5/24 rule
  • Higher status requires higher costs

Related: How to Choose the Best Credit Card for You

Aeroplan Card Welcome Offer

The current offer on the Aeroplan card is a bit complicated. You’ll earn 70,000 points after spending $3,000 in the first three months your account is open. TPG’s July 2024 evaluation puts Aeroplan points at 1.5 cents each, making those points worth $1,050.

But right now, if you’re a first-time applicant who applies by July 17, you can also get 40% bonus points (on spending up to $40,000) on purchases within 40 days. See this post for more information about this offer.

points cow

The previous highest welcome offer for the Aeroplan card was 100,000 points – 60,000 points after spending $4,000 in the first three months, then another 40,000 points after spending a total of $20,000 in the first year (no longer available).

Keep in mind that when Chase Aeroplan issues cards, they are subject to Chase’s 5/24 rule. If you have opened five or more credit cards in the past 24 months, you may not be eligible to open an Aeroplan card.

Related: Here are the best credit card welcome offers

Aeroplan Card Benefits

How often do you see a card with a $95 annual fee that gives you automatic elite status? With the Aeroplan Card, cardholders will receive automatic Aeroplan 25K status for the rest of the calendar year and beyond.

With Aeroplan 25K, elite status members are entitled to the following benefits:

  • Priority check-in, security and boarding
  • Two one-time passes to Air Canada’s Maple Leaf Lounge
  • 20 eUpgrade credits to upgrade from Economy to Premium cabins on Air Canada operated flights
  • Automatic Star Alliance Silver Elite status, with priority wait-list and standby access

Brendan Dorsey/The Points Guy

After an introductory period, you can maintain (or extend) that status — but cardholders are incentivized to spend a lot to do so. Cardholders must spend $15,000 on the card in a calendar year to maintain 25K status (valid through the end of the following year).

But by spending $50,000 in a calendar year, cardholders can boost one-level status to 35K Elite status (or beyond). This can be a great option for high spenders who already earn high status based on flying, as hitting the $50k threshold essentially gets you an upgrade to a higher tier.

Even if you don’t keep your elite status after the first year, here are the other benefits you’ll get with the Aeroplan Credit Card:

  • First free checked bag on Air Canada flights, with up to eight companions on the same reservation
  • Up to $100 in statement credits for Global Entry, TSA PreCheck, or Nexus applications every four years
  • Travel protections, such as trip cancellation and interruption insurance, baggage delay insurance, trip delay compensation, auto rental insurance and roadside assistance
  • World Elite MasterCard benefits, including 24/7 concierge service, access to MasterCard Value Experiences, everyday discounts and offers, and more.
  • There are no foreign transaction fees

This is one of the first cards we’ve seen to complement the Nexus application, which allows pre-screened travelers to expedite security when entering the US and Canada.

Related: A complete guide to airline status matches and challenges

Earn points on Aeroplan cards

With the Aeroplan Card, you earn:

  • 3 points per dollar spent on grocery stores, dining and purchases made directly with Air Canada
  • 1 point per dollar on all other purchases

Brothers 91/Getty Images

For every $2,000 you spend on the card each month, you can also earn up to a 500-point bonus — up to 1,500 points per month. These bonus points can increase if you are a heavy spender, potentially earning 18,000 bonus points annually.

RELATED: 6 Simple Strategies I Use to Earn Over 500,000 Points and Miles a Year

Redeeming points on Aeroplan cards

For those who get lost trying to optimize their points and miles, Chase Aeroplan Cardmembers can redeem their Aeroplan points for 1.25 cents each on the card’s annual fee and travel purchases — airline and hotel purchases, car rentals and more. Through the Pay Yourself Back tool, there is no limit to the number of points you can redeem through the end of 2024; From 2025, it is 50,000 points per year.

RELATED: Chase Pay Yourself Back — Is It A Good Use Of Your Rewards?

Points transferred to Aeroplan Card

You can redeem your points for flights to more than 1,200 destinations through more than 50 airline partners from Star Alliance and Air Canada — and typically for fewer points than you’d need with other loyalty programs.

Even better, Air Canada publishes a distance-based award chart with lots of sweet spots to look for (including Lufthansa First Class). For example, you can fly from Seattle-Tacoma to Tokyo on All Nippon Airways Business Class for just 55,000 points.

Zach Griff/The Points Guy

Matt Moffitt, TPG managing editor for credit cards, ranks Aeroplan Points as his favorite airline loyalty program currency. He maximizes his redemption by flying business class on United Airlines from his hometown of Sydney, Australia, and EVA Air to Taiwan and across Asia.

Related: How (and Why) to Calculate Award Redemption Values

Which cards compete with Aeroplan cards?

The Aeroplan card has an annual fee of $95, which is comparable to the cost of other popular travel credit cards that earn transferable rewards. Let’s compare some credit cards of similar caliber and decide if the Aeroplan Credit Card is the best option for you.

  • If you want more general rewards: Try the Chase Sapphire Preferred® Card. This card has been around for over a decade and has proven its worth time and time again, making it one of our favorite travel credit cards of all time. While the Aeroplan Card is great for fans of Air Canada and its partners, the Sapphire Preferred is a more flexible travel card. To learn more, check out our full review of the Chase Sapphire Preferred.
  • If you value simplicity: Go for the Capital One Venture Rewards Credit Card. Even with a $95 annual fee (see rates and fees), this card offers an easy earning rate of 2 miles per dollar spent on everything you buy, eliminating the stress of remembering bonus categories and strategies to maximize your spending. You can also earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. To learn more, check out our full review of Venture Rewards.
  • If you enjoy flying with United: The Chase United℠ Explorer Card is in the same tier as the Chase Aeroplan Card. The introductory annual fee is $0 for the first year; After that, you’ll pay $95 annually. Since United is part of the Star Alliance, you can use the miles you earn on this card to book award flights with the same airlines as the points you earn on the Aeroplan card. To learn more, check out our full review of the United Explorer Card.

For additional options, check out our full list of the best travel cards.

Related: Chase Sapphire Preferred Vs. Capital One Venture Rewards

Is the Aeroplan Card worth it?

With solid benefits for just a $95 annual fee, the Aeroplan card may be worth it for the average consumer, especially if you can take advantage of the elevated welcome bonus. It brings new benefits that we don’t see on most airline cards. Even if you’re not a regular Air Canada flyer — or maybe you’ve never flown the airline — chances are you’ve flown one of its Star Alliance partners.

Related: How to Choose an Airline Credit Card

Bottom line

Automatic elite status is nothing to sneeze at, no matter the airline. And with Aeroplan points as one of the most valuable airline currencies out there, this credit card is a great way to help you book your dream vacation by using miles to save money on flights — no matter where you’re going.


Apply at: Aeroplan Credit Card


Related: 9 Incredible Benefits of the Air Canada Aeroplan Credit Card

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