- Sign-Up Bonus
- 4
- Spending Multipliers
- 4
- Credits & Features
- 2
- Fees
- 4.5
- Application
- 3.5
- Issuer
- 5
Summary
03/12/2026: New welcome offer is 85K Points
- Sign-Up Bonus
- 4
- Spending Multipliers
- 4
- Credits & Features
- 2
- Fees
- 4.5
- Application
- 3.5
- Issuer
- 5
The Chase Aeroplan Credit Card is a travel rewards card designed for frequent Air Canada flyers and Star Alliance travelers who want elite-style perks, bonus earning opportunities, and strong travel protections. Ideal for international travelers, the card offers no foreign transaction fees, a free first checked bag, automatic 25K Aeroplan status, and 500 bonus points for every $2,000 spent per month, making it attractive for consistent spenders. Cardholders also receive a 10% bonus when transferring Chase Ultimate Rewards points to Aeroplan, a $120 credit for Global Entry, TSA PreCheck, or NEXUS every four years, and protections like purchase protection up to $500 per claim, auto rental collision damage waiver, trip cancellation/interruption insurance, and trip delay reimbursement up to $500 per ticket. While the annual fee is not waived in the first year, there are no recurring credits to directly offset it, and earning 35K status requires $75,000 in annual spend, the Chase Aeroplan card is best suited for loyal Air Canada travelers seeking airline status benefits, international travel perks, and flexible points transfer options.
Pros
Cons
Issuer
Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.
Spending Multipliers
3x
Points on Air Canada
3x
Points on groceries
3x
Points on dining
1x
Points on all other purchases
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
- Consider having at least a credit history for 1 year
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- $95 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.74% - 28.24% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.74% - 28.24% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)