Chase Aeroplan Credit Card: Limited-Time 100,000 Point Welcome Bonus (September 2025)

Offers Chase Aeroplan Credit Card: Limited-Time 100,000 Point Welcome Bonus (September 2025)

To the point Chase Aeroplan Card offers 100K bonus points, 3X on dining/groceries, free checked bag, and automatic 25K status for $95 annual fee.

For a limited time, Chase and Air Canada are offering an elevated welcome bonus of up to 100,000 Aeroplan points for new applicants of the Aeroplan Credit Card. With an annual fee of just $95, this card offers exceptional value for both Air Canada loyalists and travelers looking to access Aeroplan’s extensive partner network, which includes all Star Alliance airlines and several non-alliance partners.

Let’s dive into the details of this offer and explore whether this card deserves a spot in your wallet.

Card Feature	Details
Welcome Bonus	Up to 100,000 Aeroplan points: • 75,000 points after spending $4,000 in first 3 months • Additional 25,000 points after spending $20,000 in first 12 months
Annual Fee	$95
Earning Structure	• 3x points on Air Canada purchases • 3x points at grocery stores • 3x points on dining (including takeout and eligible delivery) • 1x points on all other purchases • 500 bonus points for every $2,000 spent per month (max 1,500 points monthly)
Elite Status Benefits	• Automatic Aeroplan 25K status through the following calendar year • Maintain 25K status with $15,000 annual spend • Note: The Level Up benefit (one-tier status upgrade with $50,000 spend) will be discontinued in 2026
Key Travel Benefits	• Free first checked bag on Air Canada flights for cardholder and up to 8 companions • Global Entry, TSA PreCheck, or NEXUS credit (every 4 years) • Preferred pricing on award tickets • No foreign transaction fees • Carbon offset for Air Canada award redemptions

Limited-Time Welcome Bonus: Up to 100,000 Aeroplan Points

The current welcome offer for the Chase Aeroplan Credit Card is structured in two tiers:

Initial bonus: 75,000 Aeroplan points after spending $4,000 on purchases in the first 3 months from account opening
Additional bonus: 25,000 Aeroplan points after spending $20,000 on purchases in the first 12 months from account opening

With Aeroplan points valued at approximately 1.5 cents each, this 100,000-point welcome bonus represents about $1,500 in potential travel value. This is the highest public welcome offer we’ve seen on this card since its launch.

It’s worth noting that this elevated offer appears to be available only through this specific landing page on the Chase website. If you access the card application through other channels, you might see a lower offer.

lufthansa first 747 — Lufthansa First Class

Aeroplan® Credit Card

Unlock Global Travel Possibilities with the Aeroplan^® Credit Card

Limited Time Offer: Earn up to 100,000 bonus points with the Aeroplan^® Credit Card! Get 75,000 points after spending $4,000 in the first 3 months, plus an additional 25,000 points after spending $20,000 in the first 12 months.

The Aeroplan^® Credit Card delivers exceptional value for travelers with a modest $95 annual fee. This card provides you with the flexibility to redeem points for both international and domestic flights, allowing you to fly to another continent and truly travel the world. With the Aeroplan^® Credit Card, you’ll enjoy:

3X points on grocery stores, dining at restaurants, and Air Canada purchases
1X points on all other purchases
500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points monthly)

The Aeroplan^® Credit Card makes earning valuable travel rewards simple and straightforward, with generous category bonuses on everyday spending categories like groceries and dining.

With the current elevated welcome bonus and ongoing earning potential, the Aeroplan^® Credit Card is an excellent addition to your wallet if you’re looking to travel domestically or internationally.

Earning Structure and Monthly Bonuses

The Aeroplan Credit Card offers one of the most generous and innovative rewards structures among co-branded airline cards:

3x points on Air Canada purchases
3x points at grocery stores globally
3x points on dining at restaurants globally (including takeout and eligible delivery services)
1x points on all other purchases

Beyond these category bonuses, the card offers a unique monthly spending incentive:

500 bonus points for every $2,000 spent in a calendar month
Up to a maximum of 1,500 bonus points per month (after $6,000 in spending)

This means if you spend $2,000 monthly in 3x categories, you’d earn 6,500 points (6,000 from the category bonus plus 500 from the monthly spending bonus), effectively earning 3.25x points per dollar.

Elite Status Benefits

The Aeroplan Credit Card provides several pathways to elite status with Air Canada:

Automatic Aeroplan 25K status for the remainder of the calendar year, plus the following calendar year
Maintain 25K status by spending $15,000 on the card per calendar year
Important note: Currently, cardholders can qualify for 35K elite status after spending $50,000 in a calendar year, but this “Level Up” benefit will be discontinued in 2026

Aeroplan 25K status includes valuable benefits such as:

Priority check-in with Air Canada
Priority boarding
Two complimentary checked bags
eUpgrade credits
Star Alliance Silver status
50% bonus points on Air Canada flights

aeroplan elite status — Aeroplan Elite Status

Travel Benefits and Protections

For a card with a modest $95 annual fee, the Aeroplan Credit Card offers an impressive array of travel benefits:

Free first checked bag for the cardholder and up to 8 companions on Air Canada flights
Global Entry, TSA PreCheck, or NEXUS fee credit (once every four years)
Preferred pricing on award tickets when redeeming Aeroplan points
No foreign transaction fees for international purchases
Carbon offset program for Air Canada award redemptions
World Elite Mastercard benefits including various merchant offers
Comprehensive travel insurance including trip cancellation/interruption, baggage delay, trip delay, and auto rental collision damage waiver

Chase Ultimate Rewards Transfer Bonus

One of the most valuable benefits for Chase Ultimate Rewards collectors is the ability to receive a 10% bonus when transferring points to Aeroplan:

Automatically receive a 10% bonus when transferring Chase Ultimate Rewards points to Aeroplan
Applies when transferring 50,000+ points in a single transaction
Maximum of 25,000 bonus points per year (after transferring 250,000 points)
Bonus points post within 72 hours of the initial transfer

This benefit alone can provide significant value for those who regularly transfer Chase points to Aeroplan, even if you don’t put much spending on the Aeroplan card itself.

Pay Yourself Back Feature

The Aeroplan Credit Card offers a unique “Pay Yourself Back” redemption option that provides flexibility beyond traditional airline award bookings:

Redeem Aeroplan points toward any travel purchase (airline, hotel, or rental car) at a rate of 1.25 cents per point
Maximum of 50,000 points per year can be redeemed this way
Starting in October 2025, this feature will also be available for Amazon.com purchases (redemption values to be announced)
Must redeem within 90 days of making an eligible purchase

This feature essentially establishes a floor value of 1.25 cents per point for your Aeroplan points, ensuring you can always get solid value even if award availability isn’t ideal for your travel plans.

Maximizing Aeroplan Points

Aeroplan offers exceptional redemption opportunities, particularly for premium cabin travel on its extensive partner network. Here are some high-value ways to use your 100,000 Aeroplan points:

Business class to Europe: 60,000-70,000 points one-way on Air Canada or partners like Lufthansa, SWISS, or Turkish Airlines
Business class to Asia: 75,000-85,000 points one-way on partners like ANA, EVA Air, or Singapore Airlines
First class within North America: 25,000-35,000 points one-way on United Polaris routes
Add a stopover: For just 5,000 additional points, add a stopover on a one-way award, allowing you to visit multiple destinations
Emirates premium cabins: Book Emirates business or first class with reasonable rates and no fuel surcharges

swiss-business-class-bed — Swiss Business Class

Upcoming Changes in 2026

It’s important to note that Air Canada recently announced changes to its loyalty program that will affect Aeroplan Credit Card benefits starting in 2026:

The Level Up benefit (one-tier status upgrade after spending $50,000) will be discontinued
Instead, cardholders will receive 5,000 Status Qualifying Credits (SQCs) annually, plus the ability to earn more based on spending:
Spend $15,000, earn Aeroplan 25K Status
Spend $25,000, earn 10,000 SQCs
Spend $50,000, earn 10,000 SQCs
Spend $75,000, earn Aeroplan 35K Status
If you spend $50,000 in 2025, you’ll still receive your Level Up benefit in 2026 (valid through January 31, 2027)

Other card benefits and earning rates are expected to remain unchanged.

Who Should Apply for the Aeroplan Credit Card?

The Aeroplan Credit Card is an excellent choice for:

Air Canada frequent flyers who want to earn elite status and enjoy benefits like free checked bags
Star Alliance travelers who want access to award flights on 40+ partner airlines
Premium cabin enthusiasts looking to redeem points for business and first-class flights at competitive rates
Chase Ultimate Rewards collectors who want to maximize transfers to Aeroplan with the 10% bonus
Frequent diners and grocery shoppers who can take advantage of the 3x earning categories
Travelers who visit Canada regularly and can benefit from NEXUS expedited border crossing

Is the Aeroplan Credit Card Worth the $95 Annual Fee?

For most travelers who can utilize its benefits, the Aeroplan Credit Card easily justifies its $95 annual fee:

The free first checked bag benefit alone can save $30 per person per flight on Air Canada, potentially saving hundreds of dollars annually for frequent travelers
The Global Entry/TSA PreCheck/NEXUS credit (worth up to $100) covers the annual fee for more than a year
The 10% Chase transfer bonus can provide significant value for Ultimate Rewards collectors
The automatic Aeroplan 25K status provides tangible benefits for Air Canada flyers
The 3x earning categories are among the most generous for an airline co-branded card

Even if you only use the card occasionally, the benefits can easily outweigh the annual fee.

Application Rules and Restrictions

Before applying, be aware of these important restrictions:

The Aeroplan Credit Card is subject to Chase’s 5/24 rule, though there are reports that this rule is no longer consistently enforced
You’re eligible for the bonus if you don’t currently have this card and haven’t received a bonus on this specific card in the past 24 months
Eligibility is unrelated to having received bonuses on other Chase cards

Bottom Line

The Chase Aeroplan Credit Card’s limited-time 100,000-point welcome offer represents an excellent opportunity to stock up on valuable Aeroplan points. With its modest $95 annual fee, strong earning structure, and impressive suite of travel benefits, this card offers tremendous value for both Air Canada loyalists and travelers looking to leverage Aeroplan’s extensive partner network.

While the spending requirement to earn the full bonus is substantial ($20,000 in 12 months), the initial 75,000 points after $4,000 spend is still highly competitive. The card’s unique features—like the 10% Chase transfer bonus and Pay Yourself Back option—further enhance its appeal.

If you’re interested in international premium cabin travel, enjoy the flexibility of Aeroplan’s program, or frequently fly Air Canada, now is an ideal time to apply while this elevated bonus is available.

Frequently Asked Questions

How long will the 100,000-point welcome offer be available?

Chase and Air Canada haven’t announced an end date for this elevated 100,000-point welcome offer. While we expect it to be available for at least several months, limited-time offers can end without notice. If you’re interested in this bonus, it’s advisable to apply sooner rather than later. Remember that this specific offer appears to be available only through a dedicated landing page on Chase’s website.

How does the Aeroplan 25K status benefit work for new cardholders?

When you’re approved for the Aeroplan Credit Card, you’ll receive complimentary Aeroplan 25K status valid for the remainder of the calendar year in which you open the card, plus the entire following calendar year. For example, if you apply in September 2025, your status would be valid through December 31, 2026. To maintain this status beyond that period, you’ll need to spend $15,000 on the card in each calendar year or meet Air Canada’s standard qualification requirements through flying.

How does the 10% Chase Ultimate Rewards transfer bonus work?

As an Aeroplan Credit Card holder, you’ll automatically receive a 10% bonus when transferring Chase Ultimate Rewards points to Aeroplan. This applies when transferring 50,000 or more points in a single transaction. For example, if you transfer 50,000 Chase points, you’ll receive 55,000 Aeroplan points (50,000 base points plus 5,000 bonus points). The bonus points will post separately within 72 hours of the initial transfer. You can receive a maximum of 25,000 bonus points per year through this benefit, which you’d reach after transferring 250,000 Chase points.

What changes are coming to the Aeroplan Credit Card in 2026?

Starting in 2026, the “Level Up” benefit (which currently provides a one-tier status upgrade after spending $50,000 in a calendar year) will be discontinued. Instead, cardholders will receive 5,000 Status Qualifying Credits (SQCs) annually, plus the ability to earn more based on spending thresholds. You’ll still be able to earn Aeroplan 25K status with $15,000 in annual spend, but reaching higher status tiers will require more spending or qualifying flight activity. If you spend $50,000 in 2025, you’ll still receive your Level Up benefit in 2026 (valid through January 31, 2027).

How does the Pay Yourself Back feature work with the Aeroplan Credit Card?

The Pay Yourself Back feature allows you to redeem Aeroplan points toward any travel purchase (airline, hotel, or rental car) at a rate of 1.25 cents per point, up to 50,000 points per year. To use this feature, make an eligible travel purchase with your card, then log into your Aeroplan account within 90 days to apply points toward that purchase. Starting in October 2025, this feature will also be available for Amazon.com purchases, though the redemption rate hasn’t been announced yet. This feature provides flexibility to use your Aeroplan points beyond traditional award bookings.

Does the free checked bag benefit require paying for the flight with the Aeroplan Credit Card?

No, you don’t need to pay for your Air Canada flight with the Aeroplan Credit Card to receive the free first checked bag benefit. As long as you’re the primary cardmember and have your Aeroplan number linked to the reservation, you and up to eight others traveling on the same itinerary will receive a free first checked bag on Air Canada, Air Canada Rouge, or Air Canada Express flights. This benefit can save $30 per person per flight, potentially providing hundreds of dollars in value annually for frequent travelers.

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

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