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

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
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
Roadside Assistance
Grants Airline Status
Free Checked Bags
Cell Phone Protection
Earns Transferable Points
Airport Lounge Access
Primary Car Rental CDW Waiver
Annual Statement Credits
Return Protection
Concierge Services
Travel and Emergency Assistance Services
Free Access to Credit Score
Metal Card
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 70K bonus points after you spend $3K in the first 3 months. Apply for your 1st Aeroplan card from 7/8-7/17, and earn 40% bonus points on purchases for 40 days on up to $40K spent.

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
Global Entry / TSA PreCheck Reimbursement
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
Cell Phone Protection
yes
Earns Transferable Points
no
Airport Lounge Access
no
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Return Protection
no
Concierge Services
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Metal Card
no
Annual Fee
$550
Avg. Min. Credit Score
800-850 *
Ongoing APR
22.49%-29.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
10x Car Rentals

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Hotels

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10x Lyft
5x Airfare

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

3x Transit
3x Dining Out / Food Delivery
3x 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 $900 toward travel when you redeem through Chase Travel℠.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.45) 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

The Chase Sapphire Reserve credit card is the one that, in a sense, started it all. While rewards cards have been around for decades, The Chase Sapphire Reserve quickly became a must-have upon its launch in 2016. With a huge bonus offer, the Priority Pass airport lounge access, the easy to use $300 travel credits, and 3X Chase Ultimate Rewards points per dollar spent on all dining and travel made it an easy sell.

Today, it remains one of the strongest travel credit cards on the market, even if other cards like the newer Capital One Venture X and The Platinum Card® from American Express both get solid market share.

The beauty of the Chase Sapphire Reserve lies in its simplicity.

The $300 annual travel credit works itself off without you even noticing, since travel purchases are automatically applied. With the Venture X, for instance, you also get a $300 annual travel credit but can only use it in the Capital One portal.

Then the Chase Sapphire Reserve is just plain “easy” when it comes to earning, knowing that just about every possible travel or dining purchase (including eligible delivery services) will earn 3X Chase Ultimate Rewards points.

And to that end, with a MilesTalk value of 1.75 cents per point when used via transfer partners like World of Hyatt or for First and Business Class airfare via its many airline partners, you know you’ll get value for those points you earn. In fact, your travel and dining purchases (earning 3X points) have a minimum return on spend value of 4.5% (if you redeem through Chase Travel at 1.5 cents each or an average redemption yield of around 5.25% (3X * 1.75) when you use the Ultimate Rewards airline and hotel partners.

travel-chase-sapphire-reserve

The card is also full of the most important benefits, namely the Priority Pass select membership for airport lounge access for you and 2 guests, including Priority Pass experiences (but not airport restaurants) as well as primary collision/damage coverage on car rentals and trip delay coverage that kicks in after just a 6 hour delay as well as lost luggage insurance. And then there are the somewhat smaller but still valuable perks like your Global Entry fee reimbursement and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards® and Chase dining purchases.

And of course, there’s that huge bonus when you spend $4,000 on purchases in your first 3 months from account opening….

So yes, it does have a high annual fee, but after the $300 travel credit, it’s effectively just $250 which the card gives you back via it’s earn rate, redemption rate (1.5 cents per point at Chase Travel) and rich benefits.

Read more
Unique Card Benefits
yes
Global Entry / TSA PreCheck Reimbursement
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
Cell Phone Protection
no
Earns Transferable Points
yes
Airport Lounge Access
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Return Protection
yes
Concierge Services
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes
Metal Card
yes

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