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Compare the Features and Benefits of Chase Aeroplan® Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
Roadside Assistance
Grants Airline Status
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Travel and Emergency Assistance Services
Free Access to Credit Score
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.74%-28.74% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Applies to travel booked directly with Air Canada. Other airfare earns 1X miles per dollar.

3x Dining Out / Food Delivery
3x Groceries

Includes takeout and delivery

1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.23) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Air Canada debuted a one-of-a-kind airline credit card, available for applicants for its most loyal U.S. flyers. By opening an Aeroplan credit card account, you can get access to extensive benefits when you fly Air Canada, travel and purchase protections and more. Additionally, the Air Canada card is one of the only cards that reimburse your application fee for NEXUS (or you have the flexibility to choose Global Entry ot TSA PreCheck instead).

The rewards rate on the Aeroplan credit card is pretty stellar: earn 3x points per dollar spent on restaurants, groceries and Air Canada directly and 1x point on other eligible purchases. You can redeem points for Air Canada operated flights and its partner airlines, which demonstrates the flexibility of this valuable rewards currency. For instance, you can book domestic economy flights on United starting at 6,500 points one-way, or a business class ticket to Asia for 60,000 points one-way on award-winning carriers like ANA or Singapore Airlines.

air canada aeroplan credit card us

The Aeroplan card continues to show off its versatility beyond Air Canada-exclusive perks, as you can redeem your points to cover any travel purchase through Chase’s Pay Yourself Back program for 1.25 cents apiece. That means 100,000 Aeroplan points redeemed is worth $1,250 in travel value.

And if you do fly with Air Canada, you can get your first checked bag free, which can be a huge money-saving benefit. Finally, reap the rewards of automatic 25K elite status for up to two years of card membership, getting you two Air Canada lounge passes, annual upgrade credits to enjoy an elevated inflight experience and more.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Roadside Assistance
yes
Grants Airline Status
yes
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Travel℠, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Roadside Assistance
yes
Grants Airline Status
no
Free Checked Bags
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes

Learn more about these cards today

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