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Chase credit card

Air Canada Aeroplan® Card

$195 a year. 115,000 Aeroplan points after you spend $4,000 in 12 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

115,000 points

After you spend $4,000 on purchases in your first 12 months.

Spending it takes
$333 a month
for 12 months
Tracking since
Sep 29, 2026
history will chart every change

Up to 115,000 bonus points total. Allow 6 to 8 weeks after qualifying for bonus to post. Account must be open and not in default at fulfillment. Not available to current Chase Aeroplan Card cardmembers, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.

Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

“This credit card is available to you if you do not have the Chase Air Canada Aeroplan ® Card or previous versions and have not received a new cardmember bonus for the Chase Air Canada Aeroplan ® Card or previous versions in the past 24 months.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$1,135−$15
Typical spender$1,425$275
Heavy spender$2,120$970
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

−$15a year

$1,135 the first year, with the welcome bonus.

Rewards and credits$180

−$15 after the fee−$195 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$275a year

$1,425 the first year, with the welcome bonus.

Rewards and credits$470

You keep $275−$195 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$970a year

$2,120 the first year, with the welcome bonus.

Rewards and credits$1,165

You keep $970−$195 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 70% of the 732 cards we track.

  • Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Chase Air Canada Aeroplan Card rewards program

How you earn

5×
Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K member
3×
NEW! 3X points per $1 spent on travel purchases (excluding Air Canada direct purchases that earn under the Air Canada category)
2×
2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent.2X points per $1 spent on dining, including takeout and eligible delivery services. Through December 31, 2026, these purchases will earn 3X points per $1 spent.NEW! 2X points per $1 spent at gas stations.
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Air Canada statement credit: $50 semiannual
  • Global Entry, TSA PreCheck, or NEXUS application fee statement credit: $120 every 4 years
  • DoorDash $10 off non-restaurant order discount: $10 other
  • Trip cancellation: $1,500 per covered traveler and $6,000 per trip
  • Trip delay: $500 per covered traveler
All 9 benefits
  • Baggage: $100 a day for up to 3 days
  • Rental car
  • Roadside
  • Purchase protection: $500 per item

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

Questions

What is the annual fee?
$195 · sites.chase.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · sites.chase.com, since Sep 29, 2026
What is the purchase APR?
19.99–28.49% APR · sites.chase.com, since Sep 29, 2026
Is there a welcome bonus?
115,000 Aeroplan points after $4,000 in purchases in 12 months. · chase.com, since Oct 21, 2026
See it on chase.com

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