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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Chase Aeroplan® Credit Card

One of the best airline credit cards comes from Air Canada's Aeroplan program, getting you automatic elite status, reimbursement for Global Entry, TSA PreCheck or NEXUS, and more — all for a $95 annual fee.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Chase Aeroplan® Credit Card

One of the best airline credit cards comes from Air Canada's Aeroplan program, getting you automatic elite status, reimbursement for Global Entry, TSA PreCheck or NEXUS, and more — all for a $95 annual fee.

BONUS OFFER

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

💵 Your Projected Rewards Value
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Key facts

The Chase Aeroplan card isn’t just reserved for Air Canada flyers. In fact, a stash of Aeroplan points can help you get business- and first-class flights on Star Alliance airlines for a fraction of the price. And with the current welcome offer, new applicants can get a ton of points right off the bat when meeting the minimum spend.

Annual Fee:

$95

AVG Point Value:

$0.014 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

21.74%-28.74% Variable

Balance transfer fees

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee:

0%

When you fly on Canada’s flag carrier, you’ll enjoy entry-level elite status through the Aeroplan Program, free checked bags, up to 3x points on everyday purchases and more. Overall, it’s a fantastic offering with just a $95 annual fee.

Reward multipliers

You’ll earn 3x Aeroplan points at grocery stores, restaurants, and Air Canada purchases, and 1x point on all other eligible purchases.

food, salmon, teriyaki

Plus, for every $2,000 you spend on the card in a calendar month, you’ll receive 500 bonus points. You can earn a maximum of up to 1,500 points with this added benefit.

Earns bonus points for spend in the following bonus categories:

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

3x
Airfare

Estimated Rewards Value: 4.2%

3x
Dining Out / Food Delivery

Estimated Rewards Value: 4.2%

Includes takeout and delivery

3x
Groceries

Estimated Rewards Value: 4.2%

1x
Everything Else

Estimated Rewards Value: 1.4%

Key features

1

Unique Card Benefits

Pay Yourself Back for Travel Purchases

Redeem your Aeroplan points for a statement credit at a rate of 1.25 cents apiece to cover travel-related purchases, such as flights, hotels, rental cars, and more. There’s no limit to the amount of points you can redeem through the end of 2023.

airport, woman, flight

One Year of Complimentary DoorDash DashPass

If you register for the benefit through DashPass by December 31, 2024, you can enjoy a one-year membership to DashPass, getting you $0 food delivery fees and discounted service fees.

2

Grants Airline Status

You’ll enjoy automatic Aeroplan elite status at the 25K level for the remainder of the year you open your card as well as for the full following year. The Aeroplan elite status program provides you benefits like two Air Canada Maple Leaf airport lounge passes, 20 eUpgrade credits, 25% bonus points on Air Canada and select partner airlines, priority boarding and more.

There are several ways to retain your Aeroplan elite status beyond the introductory offer or even upgrade to the next level. First, you can retain your Aeroplan 25k status after the expiry date if you spend $15,000 or more on the card during the calendar year. If you can pony up more annual spending — at least $50,000 in a calendar year — you’ll enjoy Aeroplan 50k elite status, which grants you even more upgrade credits and automatic Maple Leaf access in select lounges, like New York and Los Angeles.

3

Free Checked Bags

You and up to eight companions on the same Air Canada flight reservation can bring your first checked bag free.

4

Global Entry / TSA PreCheck Reimbursement

Receive up to a $100 statement credit for your application every four years for one of the following trusted traveler programs: Global Entry, TSA PreCheck or NEXUS.

5

Trip Protections

The Aeroplan credit card comes with all the essentials, including trip cancellation and interruption insurance (up to $1,500 per covered person), trip delay reimbursement (for delays of 12+ hours and up to $500 per ticket) and baggage delay insurance (for delays of 6+ hours and up to $100 per day for three days).

6

Extended Warranty

If you purchased an item with the card that comes with a U.S. manufacturer’s warranty of three years or less, you can receive an additional year of coverage thanks to the extended warranty benefit.

7

Purchase Protection

This benefit covers eligible purchases made with your card for 120 days against damage or theft (up to $500 per claim and $50,000 per account).

8

Cell Phone Protection

As a World Elite Mastercard, the Aeroplan card comes with cell phone protection against theft or damage with a $800 maximum per claim (up to two claims per year).

iphone, smartphone, apps

9

No Foreign Transaction Fees

The card waives all foreign transaction fees no matter which currency you’re paying with.

10

Roadside Assistance

You have access to 24/7 roadside assistance dispatch through the card’s benefit administrator, although any services used will incur additional fees.

Earn more rewards by combining credit cards

Chase Aeroplan® Credit Card
? Best Combo
See how much more you'll earn in rewards when you combine these two cards.
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Pros & cons

  • Automatic 25k Aeroplan elite status for benefits like 20 eUpgrade credits to premium cabins on Air Canada flights, two passes to Maple Leaf lounges and more
  • Use Pay Yourself Back to redeem Aeroplan points for a statement credit towards any travel purchases at a favorable rate of 1.25 cents per point
  • Important travel and purchase coverage, such as trip delay reimbursement, baggage delay insurance, cell phone insurance and more
  • Aeroplan points aren't as flexible as transferrable currencies such as Chase Ultimate Rewards
  • $95 annual fee
  • Hefty spend requirement to retain or upgrade your Aeroplan elite status level

Chase Aeroplan® Credit Card

Learn How to Apply

Our 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.

Frequently asked questions

1

Does the Chase Aeroplan Credit Card have an annual fee?

Yes, the Aeroplan credit card comes with a $95 annual fee.

2

Does the Chase Aeroplan Credit Card get you into airport lounges?

The Aeroplan credit card provides two complimentary guest passes to Air Canada lounges every year.

3

Is it hard to get the Chase Aeroplan Credit Card?

You’ll need to hold a good to excellent credit score to qualify for the Aeroplan credit card.

4

Is it worth getting the Chase Aeroplan Credit Card?

The Aeroplan card comes with an impressive range of benefits for frequent Air Canada flyers and those who are trying to beef up their balance of Aeroplan points. For a $95 annual fee, the perks greatly outweigh the yearly cost.

5

How do I earn points with the Chase Aeroplan Credit Card?

You’ll earn 3x bonus points per $1 spent on Air Canada purchases, grocery stores and restaurants, and 1x bonus points on other purchases. You’ll also earn 500 bonus points for every $2,000 you spend on the card in one month (with a monthly maximum of 2,000 bonus points).

6

Is there a better credit card than the Chase Aeroplan Credit Card?

The Chase Sapphire Preferred Card is a great alternative to consider. Also with a $95 annual fee, you can earn and redeem Chase Ultimate Rewards points across 10+ airline and hotel transfer partners beyond just Air Canada Aeroplan. However, if you’d like automatic elite status and free checked bags, the Aeroplan Credit Card is the real winner.

7

Does the Chase Aeroplan Credit Card charge foreign transaction fees?

No, the Aeroplan card waives all foreign transaction fees.

8

Does the Chase Aeroplan Credit Card have car rental coverage?

Yes, the Aeroplan Credit Card offers secondary car rental coverage that protects against theft or damage when your rental is booked with and paid for with the card and the CDW coverage is declined with the rental agency. Restrictions apply.

9

Does the Chase Aeroplan Credit Card come with any Elite Status?

The Aeroplan Credit Card offers automatic 25k status through the Aeroplan elite status program for the first year of card membership and the second full calendar year. You can retain your status thereafter by spending $15,000 or more or upgrade to the 35k Aeroplan elite status by spending $50,000 or more — both in a calendar year.

10

Does the Chase Aeroplan Credit Card offer extended warranty?

The Aeroplan card offers extended warranty on eligible purchases that come with a U.S. manufacturer’s warranty of three years or less. The warranty covers up to an additional year of protection.

11

Does the Chase Aeroplan Credit Card offer purchase protection?

The Air Canada Aeroplan credit card provides purchase protection on eligible items for up to 120 days, for up to $500 per claim. Note that you can only file a maximum of two claims per year.

12

Does the Chase Aeroplan Credit Card offer trip protections?

Yes, the Air Canada card comes with trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, and secondary car rental coverage.

13

What credit score do I need to get a Chase Aeroplan Credit Card?

You’ll want to hold a FICO score of at least 670 for your best chances of approval.

14

What can I do with the points earned for spending on the Chase Aeroplan Credit Card?

You can redeem your Aeroplan points on Air Canada flights or on partner airlines like United, Austrian, Lufthansa, Cathay Pacific and more. Alternatively, you can use the Pay Yourself Back feature to redeem any travel-related purchase on your statement credit at a 1.25 cent-per-point rate.

15

Does the Chase Aeroplan Credit Card have Cell Phone Protection?

Yes, the Chase Aeroplan Credit Card offers cell phone protection thanks to its World Elite Mastercard branding.

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