Pros & Cons

Pros

  • Welcome Bonus: 115,000 points
  • Up to 3x on travel
  • No foreign transaction fees

Cons

  • High annual fee ($195/yr)
  • No lounge access
  • No purchase protection

Our Review

The Chase Air Canada Aeroplan® Credit Card carries a $195 annual fee and comes with automatic Aeroplan 25K status, including Priority Check-In, Priority Boarding (Zone 2), an additional baggage allowance, Star Alliance recognition and eUpgrade credits.

New cardmembers can earn up to 115,000 bonus points: 75,000 bonus points after spending $4,000 on purchases in the first 3 months, plus 40,000 bonus points after spending $20,000 on purchases in the first 12 months. The bonus is not available to current cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.

Earn up to 5X total points for each dollar spent on Air Canada, 3X points on travel purchases, 2X points at grocery stores, on dining at restaurants and at gas stations (3X at grocery stores and on dining through December 31, 2026), and 1X point on all other purchases. You also receive up to $100 in Air Canada statement credits each year, free first checked bags on Air Canada flights, and save 15% on eligible Air Canada flight redemptions as a cardmember.

Rewards

All Spending

1x

Aeroplan pts per dollar

Travel

3x

Aeroplan pts per dollar

Air Canada flights

3x

Aeroplan pts per dollar

Groceries

2x

Aeroplan pts per dollar

Gas

2x

Aeroplan pts per dollar

Restaurants

2x

Aeroplan pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel3x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
Online advertising1x
$0/mo
All other spending1x
$500/mo

Points Earned

48,000

Aeroplan/yr

Estimated Value

$480

After Fees

+$285

1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.

$1,435

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.6x
Average earn rate on spend 1st year with welcome bonus5.43x
Total points earned on spend48,000 pts
Welcome bonus points+115,000 pts
Total points earned163,000 pts
Value of points accumulated in the first year≈ $1,630

Perks & Benefits

Concierge

24/7

Priority Boarding

Included

Priority check-in

Included

NEXUS Credit

$120

Additional Benefits

  • Automatic Aeroplan 25K Status: Priority Check-In, Priority Boarding (Zone 2), additional baggage allowance, Star Alliance recognition and eUpgrade credits.
  • Save 15% on eligible Air Canada flight redemptions as a cardmember.
  • Free first checked bags for the Cardmember and up to eight travel companions on the same reservation when travel originates on an Air Canada flight.
  • Aeroplan 35K Elite Status each calendar year you spend $75,000 or more on purchases.
  • Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
  • Mastercard 24/7 Concierge to locate hard-to-find items or make reservations.
  • Pay Yourself Back: redeem Aeroplan points as a statement credit against recent travel, dining, grocery store and gas station purchases.
  • One-year complimentary DashPass membership for DoorDash and Caviar.

Fees and interest rates

  • Annual Fee
    $195
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • 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 on purchases in the first 12 months.
  • $195 Annual Fee
  • Enjoy automatic Aeroplan 25K 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 purchases: 3X points with your card, plus 2X points from Air Canada as an Aeroplan 25K member. Earn 3X points on travel purchases.
  • Earn 2X points for each dollar spent at grocery stores, on dining at restaurants, and at gas stations. Through December 31, 2026, grocery store and dining purchases earn 3X points. 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.
  • Free first checked bags on Air Canada flights for the cardmember and up to eight people on the same reservation.
  • No foreign transaction fees.
  • The new cardmember bonus is not available to current cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
  • Member FDIC

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.