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Chase Air Canada Aeroplan® Credit Card: Full Review [2026]
Jarrod West
Jarrod West
Senior Writer & Series Lead
799 Published Articles1 Edited Article
Countries Visited: 21U.S. States Visited: 24
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Chase Air Canada Aeroplan® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
115,000 points
$195
19.74% - 28.24% Variable
Good to Excellent (670-850)
Chase Air Canada Aeroplan® Credit Card
The Aeroplan card is good for Air Canada flyers who want to earn more points and receive automatic elite status.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
Summary
U.S.-based flyers may think they have little need for the Chase Air Canada Aeroplan® Credit Card, but it can be useful for travelers who frequently redeem Aeroplan points or fly with Air Canada.
The card offers benefits including Aeroplan elite status, bonus points, statement credits, and travel protections.
Card Details
Welcome Bonus & Info
Earn up to 115,000 bonus points
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 in the first 12 months.
$195 Annual Fee
Enjoy automatic 25K Aeroplan Status with benefits such as Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits.
Earn up to 5X total points for each dollar spent on Air Canada. Earn 3X points on travel purchases.
Earn 2X points for each dollar spent at grocery stores, on dining at restaurants, and at gas stations. Earn 1X point for each dollar spent on all other purchases.
Up to $100 in Air Canada statement credits (delivered as up to two $50 credits semi-annually).
Save 15% on eligible Air Canada flight redemptions as a cardmember.
2x points at grocery stores, gas stations, and dining at restaurants (including takeout and eligible delivery services)
Receive Aeroplan 25K status as a complimentary benefit
Save 15% on eligible Air Canada flight redemptions when booking with Aeroplan points
Receive up to $100 in Air Canada statement credits annually, delivered as up to 2 $50 USD credits semiannually
Upgrade to Aeroplan 35K status with $75,000 in annual spend
Earn up to 25,000 SQCs annually with card spend
Free first checked bag for you and up to 8 traveling companions
Global Entry, TSA PreCheck, or NEXUS fee credit
Preferred pricing on award tickets
Cons
$195 annual fee
Does not earn transferable rewards
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Great Card If
You’re a regular Air Canada flyer.
You want a card with automatic Air Canada and Star Alliance status.
Don’t Get If
You never fly with Air Canada.
You want a card that earns transferable points.
Aeroplan Card: Is It Worth It?
Consider how often you fly with Air Canada to determine whether the Aeroplan card is worth it for you.
If you fly with the airline with some frequency, consider how much value you think you would get out of the benefits of the card. These include a 15% discount on Air Canada flight redemptions when booking with Aeroplan points, up to $100 in Air Canada statement credits annually, automatic Aeroplan 25K status, free checked bags on flights, preferred pricing on award tickets, multiple travel protections, and much more.
Also factor in the number of points you’d earn each year thanks to the card’s multiple 3x bonus categories.
If you think the combined value of all of the benefits you’d receive would easily eclipse the $195 annual fee, then the Aeroplan card could be worth it.
Aeroplan Card Top Benefits
Aeroplan 25K Status
As a cardholder, you automatically receive Aeroplan 25K status, which offers the following benefits:
The Aeroplan card allows you to boost your elite status by 1 tier, up to Aeroplan 35K, after spending $75,000 on the card in a calendar year.
With Aeroplan 35K status, you receive all of the benefits of 25K status, plus:
Priority security clearance
Priority baggage handling
3 free checked bags
10 eUpgrade credits
Annual Air Canada Statement Credits
Receive $100 annually in Air Canada statement credits, delivered as up to 2 $50 semiannual credits. These credits can be applied to various Air Canada purchases, including airfare and seat selections.
Discount on Air Canada Flight Redemptions
Cardholders save 15% on eligible Air Canada flight redemptions when booking with Aeroplan points. This can significantly boost the value of your points when redeeming them for Air Canada flights, but this benefit only applies to flights operated by Air Canada, not Star Alliance or other airline partner flights.
Status Boost
The card’s Status Boost benefit awards Status Qualifying Credits based on annual spending. You receive 5,000 Status Qualifying Credits as an annual bonus, an additional 10,000 Status Qualifying Credits with $25,000 in annual purchases, and another 10,000 SQCs with $50,000 in annual purchases, for a total of up to 25,000 SQCs per year.
Aeroplan 50K status requires 50,000 Status Qualifying Credits annually, and earning the full 25,000 SQCs from card spending would get you halfway there.
Free Checked Baggage
Carholders get a complimentary first checked bag for you and up to 8 traveling companions on all Air Canada flights. If you’re traveling with friends or family members, this benefit can easily save you hundreds of dollars per trip.
Preferred Pricing on Award Tickets
Air Canada has adopted a dynamic pricing model for its own tickets (but not for partner airlines). While you never know exactly how many points a given award ticket on an Air Canada flight will cost you, by holding the Aeroplan card, you automatically receive a discount that’s not offered to other members.
Global Entry, TSA PreCheck, or NEXUS Fee Credit
Many cards offer Global Entry or TSA PreCheck credits, but the Aeroplan card offers a NEXUS credit, which provides expedited border crossing from Canada into the U.S.
If choosing among these programs, opt for Global Entry, as it provides expedited entry into the U.S. from any international destination and automatically includes TSA PreCheck.
Card Protections
The Aeroplan card offers valuable travel and purchase protections:
Trip delay reimbursement: If your flight is delayed by more than 12 hours or requires an overnight stay, you’re covered for eligible expenses such as meals and lodging up to $500 per ticket.
Trip cancellation and trip interruption insurance: For trips that are cut short or canceled for a covered reason like severe weather, you’re covered for up to $1,500 per person and $6,000 per trip toward nonrefundable expenses.
Baggage delay insurance: If your baggage is delayed by more than 6 hours, you’re covered up to $100 per day for essential expenses such as clothing and toiletries.
Rental car insurance: Receive secondary rental car coverage toward damage to the car when you pay for the rental with your Aeroplan card and decline the rental company’s insurance. Secondary coverage only applies after your primary automobile insurance has been exhausted.
Purchase protection: Purchases made with your card are covered for 120 days against accidental damage or theft, up to $500 per claim and $50,000 per account.
Best Ways To Earn and Redeem Your Aeroplan Points
Perhaps you’re sold on the Aeroplan program but are skeptical about your ability to earn enough Aeroplan points for reward flights, even if you have the Aeroplan card. See our guide on the best ways to earn Aeroplan points.
Air Canada’s Aeroplan program has one of the most generous award programs, as award tickets for its partner airlines are quite reasonable, and it doesn’t pass along fuel surcharges. Here are some of the best ways to redeem Aeroplan points for maximum value.
Alternative Cards to the Aeroplan Card
Chase Sapphire Preferred® Card
If you prefer a card that earns transferable rewards, then the Chase Sapphire Preferred card might be a better fit.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points
$1,500
$95
19.24% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.
It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.
Pros & Cons
Pros
5x points on all travel booked via Chase Travel
3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
You earn 5 points per $1 on travel purchased through Chase Travel, 3x points on vacation home rentals like Airbnb and Vrbo, and 2x points on all other travel purchases. Additionally, you earn 3 points per $1 on dining, gas and EV charging, online grocery purchases, and select streaming services, along with 1 point per $1 on all other purchases.
Chase Sapphire Preferred cardholders receive perks such as a $100 annual hotel credit through Chase Travel and travel and purchase protections.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Up to 60,000 miles
$720
$150
19.74% - 28.24% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.
You should consider the United℠ Explorer Card, because this card does all that and more!
Pros & Cons
Pros
9x total miles per $1 on eligible United flights
3x miles per $1 on all other eligible United purchases
2x miles per $1 on dining purchases (including delivery services), and hotel stays when booked with the hotel
With the United Explorer card, you earn 2 points per $1 on United purchases, dining purchases, and hotel purchases, along with 1 point per $1 on all other purchases.
If you’re a frequent United flyer, you’ll probably appreciate the free checked bags on United flights, priority boarding, 25% back on United inflight purchases, and 2 one-time passes to the United Club each year when the cardmember or authorized user is present.
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