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Compare the Features and Benefits of Chase Aeroplan® Credit Card and
Delta SkyMiles® Reserve American Express 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
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Extended Warranty
Purchase Protection
Cell Phone Protection
No Foreign Transaction Fees
Grants Airline Status
Roadside Assistance
Airport Lounge Access
Annual Statement Credits
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Return Protection
Travel and Emergency Assistance Services
Concierge Services
Metal Card
Free Access to Credit Score
Amex Offers
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
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
Cell Phone Protection
yes
No Foreign Transaction Fees
yes
Grants Airline Status
yes
Roadside Assistance
yes
Airport Lounge Access
no
Annual Statement Credits
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Return Protection
no
Travel and Emergency Assistance Services
no
Concierge Services
no
Metal Card
no
Free Access to Credit Score
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.68) 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

There are many reasons why frequent Delta flyers look toward the carrier’s top product: the Delta Reserve card with a $650 annual fee. This rewards card provides outstanding benefits when you’re flying Delta, but be prepared to pay a pretty penny.

First and foremost, you can get complimentary access to the Delta Sky Club, The Centurion Lounge, or Escape Lounge locations when presenting a same-day boarding pass with Delta Air Lines, giving you ample space to rest up, grab a meal or a drink, and get work done in the airport. While guest access isn’t included, you can bring up to two guests for a $50 per-person rate, or you can cash in your two guest passes that you’ll be awarded every card membership year.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

family, hike, travel

The annual companion certificate can also save you hundreds of dollars on Delta flights, as it’s eligible for round trip domestic, Caribbean, or Central American roundtrip flights in any class of service including First Class.

You’ll just need to pay the government imposed taxes and fees of less than $80 for domestic and $250 for international round trips — a steal for a second ticket on Delta Air Lines.

Furthermore, Delta SkyMiles Reserve cardholders receive unmatched status boost benefits for those who can meet the certain benchmarks.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns $1 MQD (Medallion Qualifying Dollars) for every $10 spent on eligible purchases with your Card – plus a $2,500 MQD boost each calendar year just for holding the Card.

The Delta Reserve card is also popular for elites as it provides upgrade priority over other Medallion members at the same status tier. Two elite members may be on the same elite status level, but with the Delta Reserve credit card, you’ll get higher priority on the upgrade list — which can mean all the difference in a sea of elite members.

And you’ll also receive up to $560 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card (Enrollment Required) and up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

You may be thinking that the Delta Reserve card is only targeted for those chasing Delta’s frequent flyer status. However, you may be surprised to find that the Delta SkyMiles Reserve card is also a fantastic choice for those without status but who want elite-like benefits.

Case in point: you and up to eight companions on the same reservation can bring your first checked bag free. And you can still get access to complimentary seat upgrades, although you’ll be placed on the bottom of the list after Medallion members.

There’s a long list of benefits that also come with the Delta Reserve card, such as the statement credit for Global Entry/TSA PreCheck, 15% award discount when redeeming for SkyMiles flights and travel and purchase protection benefits.

Simply put: it’s a huge step-up for Delta loyalists.

Rates and Fees for the Delta SkyMiles® Reserve American Express Card

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

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