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The Chase Aeroplan Credit Card is most compelling for people who regularly fly Air Canada and can use its automatic Aeroplan 25K status, checked-bag and travel benefits, and Air Canada credits. Chase lists a $195 annual fee. Its headline offer is substantial, but the spending thresholds are high, and several benefits are valuable only when you meet their terms and actually use them.

What changed in the Chase Aeroplan card refresh?

Chase and Air Canada refreshed the card effective September 10, 2026, for both new and existing cardmembers. The most consequential change is automatic Aeroplan 25K status with no card-spending requirement. Older reviews may describe earlier benefits or earning rates, so check the current Chase card page and refresh announcement before applying.

How much is the annual fee, and who can make it worthwhile?

The annual fee is $195. The fee is easiest to justify if you fly Air Canada enough to use the airline-specific benefits, can use the advertised statement credits on eligible purchases, and value Aeroplan status and reward redemptions. The card is a weaker fit if you rarely fly Air Canada or would have to make extra purchases just to use its credits.

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Chase advertises up to $100 in annual Air Canada statement credits, provided as up to $50 twice a year for eligible transactions. That is not an automatic $100 discount: you need qualifying Air Canada spending and must satisfy the terms. The card also offers first checked bags for the cardmember and up to eight people on the same reservation, priority services, eUpgrade credits, and a credit toward a Global Entry, TSA PreCheck, or NEXUS application fee. Check the current benefits terms for eligibility and the fee-credit amount and frequency before assigning them a dollar value.

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Chase also advertises 15% savings on eligible Air Canada flight rewards. The actual usefulness depends on the applicable redemption rules and award availability; it is not a fixed cash rebate.

What is the welcome bonus, and what spending does it require?

At the time of the offer displayed by Chase, new cardmembers could earn 75,000 points after $4,000 in purchases during the first three months, plus another 40,000 points after $20,000 in purchases during the first 12 months. Meeting both requirements yields 115,000 points. These are separate spending thresholds and time windows, so the second bonus requires substantial additional spending beyond the first threshold.

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Offer eligibility applies. Chase says availability is restricted for people who have the card or a previous version, or who received its new-cardmember bonus, in the prior 24 months. Offers can change; confirm the live application terms before relying on these figures. Do not pursue a bonus by spending beyond your budget or carrying a balance that accrues interest.

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How many points does the card earn?

Purchase category Card points per dollar Timing or qualification
Air Canada purchases 3X Chase’s “up to 5X” headline can include 2 additional points per dollar earned from Air Canada on eligible flights when traveling as an Aeroplan 25K member; those are not card-earned points.
Other travel 3X As stated by Chase.
Groceries and restaurants, including takeout and eligible delivery 3X through December 31, 2026; 2X beginning January 1, 2027 The higher rate ends on the stated date.
Gas stations 2X As stated by Chase.
All other purchases 1X As stated by Chase.

Through December 31, 2026, Chase also lists 500 bonus points for each $2,000 spent in a calendar month, up to 1,500 bonus points per month. This is a time-limited earning offer, not a permanent category rate. See Chase’s current card details and earning terms for the applicable conditions.

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How does Aeroplan 25K status work with the card?

Automatic Aeroplan 25K status is a core benefit of the refresh that took effect September 10, 2026. The announcement says it comes with no spending requirement. Status-related services and airline-earned points remain subject to Air Canada’s eligibility rules; the card’s status benefit does not mean every purchase earns 5X.

How do points transfer, and what is the temporary transfer bonus?

Card-earned points transfer automatically to Aeroplan after each billing cycle. Chase says transferred points do not expire while the card account remains open; consult the current benefits terms for conditions. Aeroplan points do not have a fixed cash value established by the issuer sources cited here: their practical value depends on the redemption, availability, and applicable terms.

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Through December 31, 2026, eligible primary cardmembers who also hold an eligible Chase Ultimate Rewards card can receive a 10% bonus when transferring at least 50,000 Ultimate Rewards points to Aeroplan in one transaction. The bonus is capped at 25,000 points per calendar year. This is a limited-time offer with eligibility conditions, not a standing transfer rate; verify the current terms before making a transfer.

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Is the Chase Aeroplan card a good fit?

  • Consider it if you fly Air Canada regularly, can use the checked-bag and status benefits, and have eligible purchases that make the statement credits practical.
  • Look more closely at the ongoing earn rates if groceries and dining are major categories for you: they earn 3X only through December 31, 2026, then 2X from January 1, 2027.
  • Be cautious about the welcome offer if the $4,000 and $20,000 purchase thresholds do not fit your normal budget.
  • Do not count advertised benefits at face value unless you can meet their eligibility requirements and use them on travel you already plan to take.

Chase’s card-specific APR figures were inconsistent across its surfaced pages, so check the current pricing and terms disclosure for the exact purchase APR and other charges before applying.

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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.