Chase Ultimate Rewards to Aeroplan: 20% Transfer Bonus (August 2026)
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Chase just launched a limited-time transfer bonus that frequent flyers should pay attention to. From August 12 through September 30, 2026, eligible Chase Ultimate Rewards cardmembers earn a 20% bonus when transferring points to Air Canada Aeroplan. Even better, if you hold a Chase Aeroplan Card, you can stack this with the standing 10% transfer bonus for a combined 30% bonus on large transfers.
That kind of boost does not come around often. A transfer of 50,000 Chase points could net you 65,000 Aeroplan points, enough for multiple domestic flights or a solid chunk toward a long-haul award. Here is everything you need to know about this offer, including which cards qualify, how stacking works, and when to pull the trigger. For a broader look at how Chase cards compare, check out our guide to the best Chase credit cards.
The Offer at a Glance
This promotion applies to all point transfers from Chase Ultimate Rewards to Aeroplan completed during the promotional window. The baseline 20% bonus is available to any eligible Chase cardholder. The extra 10% stacking bonus is reserved for those who also hold a Chase Aeroplan credit card.
| Detail | Standard Bonus | Stacked Bonus (Aeroplan Cardmembers) |
|---|---|---|
| Bonus Rate | 20% | 20% + 10% = 30% |
| Promotional Period | August 12 – September 30, 2026 | August 12 – September 30, 2026 |
| Minimum Transfer | 1,000 points | 50,000 points (single transaction for the 10% bonus) |
| Transfer Ratio | 1:1 (before bonus) | 1:1 (before bonus) |
| Transfer Increments | 1,000-point increments | 1,000-point increments |
| 10% Bonus Cap | N/A | 25,000 bonus Aeroplan points per calendar year |
| Bonus Posting Time | Up to 7 days | Up to 7 days |
Which Cards Are Eligible
Not every Chase card qualifies. Only cards with annual fees that include the Ultimate Rewards transfer feature are eligible for this promotion. Here is the full list of qualifying cards:
- Chase Sapphire Preferred® Card: The most popular entry point for Chase transferable points, with a $95 annual fee
- Chase Sapphire Reserve®: The premium option with Priority Pass lounge access
- Ink Business Preferred® Credit Card: Chase’s top-tier business card for transferable points
- Ink Plus: A legacy business card no longer available for new applications, but existing holders still qualify
- Chase Corporate Flex & JPMorgan Reserve: Corporate and ultra-premium cards with transfer access
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $795 | |||
| $95 | |||
| $95 |
How Stacking Works
Chase confirmed that this promotional 20% bonus stacks with the existing 10% transfer bonus available to Aeroplan cardmembers. However, the 10% bonus only kicks in when you transfer at least 50,000 Ultimate Rewards points in a single transaction. Here is what that looks like in practice:
| Points Transferred | 20% Promo Bonus | 10% Aeroplan Card Bonus | Total Aeroplan Points |
|---|---|---|---|
| 10,000 | 2,000 | N/A (under 50K threshold) | 12,000 |
| 25,000 | 5,000 | N/A (under 50K threshold) | 30,000 |
| 50,000 | 10,000 | 5,000 | 65,000 |
| 100,000 | 20,000 | 10,000 | 130,000 |
| 250,000 | 50,000 | 25,000 (cap reached) | 325,000 |
Notice that the 10% Aeroplan card bonus caps at 25,000 bonus points per calendar year. So if you transfer 250,000 points or more, the 10% bonus maxes out at 25,000 additional Aeroplan points. The 20% promotional bonus, on the other hand, has no stated cap.
What You Can Do With Aeroplan Points
One detail sets Aeroplan apart from most airline programs: it charges no carrier surcharges on award tickets. In other words, you pay taxes and government fees only, even on partner airlines that normally tack on several hundred dollars in fuel charges. The network covers more than 45 airlines flying to over 1,300 destinations worldwide.
Aeroplan is one of the most versatile airline loyalty programs for US-based travelers. As a member of the Star Alliance, Aeroplan gives you access to award flights on over 40 airlines, including United, Lufthansa, ANA, Singapore Airlines, and EVA Air. Award pricing starts low and scales well for premium cabins.
Sample Award Rates
| Route | Economy | Business |
|---|---|---|
| Within North America (short-haul) | 6,000 – 10,000 pts | 15,000 – 25,000 pts |
| US to Europe | 30,000 – 60,000 pts | 60,000 – 100,000 pts |
| US to Asia | 40,000 – 75,000 pts | 75,000 – 115,000 pts |
| US to South America | 20,000 – 40,000 pts | 50,000 – 80,000 pts |
To put this transfer bonus in perspective: a 50,000-point transfer that yields 65,000 Aeroplan points could cover a round-trip economy flight between the US and Europe. Alternatively, it could fund over 10 short-haul flights within North America at the 6,000-point entry level. For a deeper look at how the program works, visit our Aeroplan program guide.
Key Terms and Conditions
Before you transfer, there are several rules and restrictions worth noting. Read through these carefully, because transfers to Aeroplan are irreversible.
- Promotional window: Transfers must be completed between 12:00 AM ET on August 12, 2026, and 11:59 PM ET on September 30, 2026
- Minimum transfer: 1,000 Ultimate Rewards points, in increments of 1,000
- Name matching: The first and last name on your Chase card must match the name on your Aeroplan account
- Account status: Your Ultimate Rewards credit card account must be open and not in default. Your Aeroplan membership must be in good standing
- No transfers to authorized users: You cannot transfer points into an authorized user’s Aeroplan account. Only the primary cardmember’s Aeroplan account qualifies
- No reversals: Once transferred, points cannot be moved back to your Chase Ultimate Rewards account
- Bonus posting time: Bonus Aeroplan points post within 7 days after the transfer is complete
Should You Transfer?
A 20% (or 30%) transfer bonus is significant. However, not every situation calls for an immediate transfer. Consider these factors before pulling the trigger.
When This Offer Makes Sense
- You have a specific booking in mind: If you have already searched for award availability on Aeroplan and know exactly what you want to book, this bonus stretches your points further
- You are close to an award threshold: If you need 75,000 Aeroplan points for a business class ticket and only have 60,000 Chase points, the 20% bonus gets you to 72,000 without the 10% stacking. With stacking, 60,000 Chase points become 78,000 Aeroplan points
- You hold a Chase Aeroplan card: The 30% combined bonus is rare. If you regularly fly Air Canada or Star Alliance partners, this is a strong opportunity to top off your balance
- You value Aeroplan for Star Alliance access: Aeroplan points unlock award flights on United, ANA, Lufthansa, EVA Air, Singapore Airlines, and dozens more. The program offers strong value on premium cabin awards
When You Should Wait
- No travel plans on the horizon: Speculatively transferring points is risky. Aeroplan can change award pricing at any time, and you cannot reverse the transfer
- You might need points for other partners: Chase Ultimate Rewards transfers to Hyatt, United, Southwest, and several other programs. Once you move points to Aeroplan, that flexibility is gone
- You hold a no-annual-fee Chase card only: Cards like the Chase Freedom Flex and Chase Freedom Unlimited earn Ultimate Rewards points but cannot transfer them directly. You would need to move points to a Sapphire or Ink Preferred card first
How to Transfer: Step by Step
The transfer process is straightforward through the Chase Ultimate Rewards portal. Here is how to do it:
- Step 1: Log in to your Chase account at chase.com or through the Chase mobile app
- Step 2: Navigate to the Ultimate Rewards portal from your eligible card
- Step 3: Select “Transfer to Travel Partners” and find Aeroplan in the list
- Step 4: Enter your Aeroplan member number (make sure the name matches your Chase account)
- Step 5: Choose the number of points to transfer (minimum 1,000, in 1,000-point increments). For the stacked 30% bonus, transfer at least 50,000 in a single transaction
- Step 6: Confirm the transfer. Points typically arrive in your Aeroplan account within minutes, though bonus points may take up to 7 days
If you do not yet have an Aeroplan account, you can create one for free at aircanada.com before initiating the transfer.
Best Chase Cards for This Offer
If you are considering which Chase card gives you the best position for this transfer bonus, here is a quick comparison of the three most accessible options. For the full picture, see our guide to the best Chase Ultimate Rewards cards.
| Card | Transfer Eligible | 20% Promo Bonus | 10% Stacking Bonus |
|---|---|---|---|
| Sapphire Preferred | Yes | Yes | Only with Aeroplan card |
| Sapphire Reserve | Yes | Yes | Only with Aeroplan card |
| Ink Business Preferred | Yes | Yes | Only with Aeroplan card |
| Aeroplan® Credit Card | No (earns Aeroplan directly) | No | Enables the 10% stacking bonus |
The ideal combination is a Sapphire Preferred or Sapphire Reserve paired with the Chase Aeroplan Card. The Sapphire card earns and transfers the Ultimate Rewards points, while the Aeroplan card activates the 10% stacking bonus on large transfers.
- Annual fee
- $195
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,610Total$1,610Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,610
- Welcome offerAfter $4,000 in 3 months
- Up to 115,000 points
Apply Now
on Chase's website
Related Resources
Want to go deeper on Chase points strategy or Aeroplan award bookings? These guides cover the essentials:
Bottom Line
This 20% Chase Ultimate Rewards to Aeroplan transfer bonus is one of the better point transfer promotions we have seen in 2026. The math is straightforward: every 10,000 points you transfer becomes 12,000 Aeroplan points. If you hold the Chase Aeroplan Card and transfer 50,000+ points at once, that number jumps to 13,000 per 10,000 transferred, a 30% uplift that is hard to beat.
The offer runs through September 30, 2026, so you have about seven weeks to plan. However, the best approach is to search for award availability first, confirm the flights you want, and then transfer the exact amount you need. Speculative transfers rarely end well, even with a generous bonus.
If you are still building your Chase points balance, consider pairing the Chase Sapphire Preferred with an Ink Business Preferred to pool points before transferring. And if you fly Air Canada or Star Alliance partners regularly, the Chase Aeroplan Card earns its keep through the stacking bonus alone. To stay on top of future transfer bonuses, subscribe to our newsletter for weekly updates.
Chase Aeroplan Transfer Bonus – Frequently Asked Questions
How long does the Chase to Aeroplan transfer bonus last?
The 20% promotional bonus runs from 12:00 AM ET on August 12, 2026, through 11:59 PM ET on September 30, 2026. All transfers must be completed within this window to qualify for the bonus points.
Can I get both the 20% and 10% transfer bonuses at the same time?
Yes. Chase confirmed the two bonuses stack. You need an eligible Ultimate Rewards card (like the Sapphire Preferred or Reserve) plus a Chase Aeroplan Credit Card. Transfer at least 50,000 points in a single transaction to activate the 10% bonus on top of the 20% promo.
Which Chase cards can transfer points to Aeroplan?
The eligible cards are: Chase Sapphire Preferred, Chase Sapphire Reserve, Ink Business Preferred, Ink Plus, Chase Corporate Flex, and JPMorgan Reserve. Cards without annual fees, like the Freedom Flex, cannot transfer directly to partners.
Can I transfer Chase points to an authorized user’s Aeroplan account?
No. Transfers must go to the primary cardmember’s own Aeroplan account. The name on the Chase card must match the name on the Aeroplan account. Transfers to authorized users’ accounts or any other third-party Aeroplan account are not eligible.
Can I transfer Aeroplan points back to Chase Ultimate Rewards?
No. Once you transfer Chase Ultimate Rewards points to Aeroplan, the transfer is permanent. There is no way to reverse it. Make sure you have a specific booking in mind before committing.
What is the minimum number of Chase points I can transfer to Aeroplan?
The minimum transfer is 1,000 Ultimate Rewards points, and transfers must be made in increments of 1,000 points. The standard transfer ratio is 1:1 before any bonus is applied.
How quickly do the bonus Aeroplan points post?
The base transferred points usually arrive in your Aeroplan account within minutes. The bonus points from both the 20% promo and the 10% Aeroplan card bonus may take up to 7 days to appear in your account.
Is there a cap on the 20% promotional bonus?
Chase has not stated a cap on the 20% promotional bonus. However, the separate 10% Aeroplan card bonus is capped at 25,000 bonus Aeroplan points per calendar year. The two bonuses have independent terms.
Do I need an Aeroplan account before transferring?
Yes. You must be an enrolled Aeroplan member with your account in good standing. If you do not have one, you can sign up for free at aircanada.com before initiating the transfer from Chase.
