Chase
Aeroplan Card
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Card review
Aeroplan Card
Chase
Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
60,000 pts welcome offer
Est. net value
$807/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Aeroplan Card from Chase carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $660.24 in rewards plus $242.00 in credits and perks — $807.24 net per year before welcome bonuses.
How the points work
3X for each dollar spent with Air Canada directly
3X on grocery stores
3X on dining at restaurants including takeout and eligible delivery services
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAir Canada | 3× |
| GroceriesGroceries | 3× |
| DiningDining | 3× |
| Everything elseAll Purchases | 1× |
Welcome offer
60,000 points
- Spend $3,000 in 90 days
- Est. value: $600 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits & perks
- Free First Checked Bags
Primary cardmember and up to eight other passengers on the same reservation receive a free first checked bag when travel originates on an Air Canada flight.
- Aeroplan 25K Status
New cardmembers automatically receive Aeroplan 25K Status for the current and following calendar year. Maintain status with $15,000 in account spend during a calendar year.
- Aeroplan 35K Status Upgrade
Achieve Aeroplan 35K Status after spending $75,000 on purchases during a calendar year.
- Status Qualifying Credits
Get up to 25,000 Status Qualifying Credits (SQC) each calendar year from a combination of an annual bonus and spending thresholds.
- Global Entry, TSA PreCheck® or NEXUS Fee Credit$120/yr
Receive a statement credit for the application fee charged to your card.
- No Foreign Transaction Fees
You will pay no foreign transaction fees on purchases made outside the United States.
- Preferred Pricing on Flight Rewards
Cardmembers can often book flight rewards for fewer points on Air Canada flights.
- Auto Rental Collision Damage Waiver
Provides reimbursement for theft and collision damage for most rental vehicles. Coverage is secondary to your personal insurance in the U.S.
- Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card.
- Complimentary DashPass Membership$12/yr
Get one year of complimentary DashPass for DoorDash and Caviar. Activation required by Dec 31, 2027.
- Quarterly DoorDash Credit$10/yr
DashPass members get up to $10 off one qualifying non-restaurant DoorDash order each quarter through Dec 31, 2027.
- Pay Yourself Back®
Redeem Aeroplan Points for a statement credit toward eligible travel, dining, grocery store, and gas station purchases.
- Monthly Bonus Points
Earn 500 bonus points for every $2,000 spent in a calendar month, up to a total of 1,500 bonus points per month.
- Mastercard 24/7 Concierge
Assistance with locating items or making reservations.
- Ultimate Rewards® Transfer Bonus
Get a 10% bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction to Aeroplan. Maximum of 25,000 bonus points per calendar year.
Included, not priced
- Trip Cancellation and Interruption Insurance
Reimbursement for pre-paid, non-refundable passenger fares if your trip is canceled or cut short by covered situations, up to $6,000 per trip.
- Baggage Delay Insurance
Reimbursement for essential purchases when baggage is delayed over 6 hours.
- Trip Delay Reimbursement
Coverage for unreimbursed expenses if your travel is delayed more than 12 hours or requires an overnight stay.
- Purchase Protection
Covers eligible new purchases for 120 days against damage or theft.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$95
- Stated credits
- +$100
- Perks (est.)
- +$142
- Net after credits & perks
- $147
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.