Aeroplan® Credit Card
A $195-a-year airline card from Chase.
Rates, fees, and full terms are set by Chase and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Aeroplan card, tied to Air Canada's well-regarded loyalty program, is one of the stronger foreign-airline co-brands you can get in the US. Aeroplan is a flexible Star Alliance currency with a good award chart and no fuel surcharges on many partners, which makes the miles genuinely useful.
It even earns on everyday categories like dining and groceries, so it is more usable day-to-day than most single-airline cards, and it comes with real travel perks.
Think twice if: you have no interest in Star Alliance award travel, since the miles are still tied to Aeroplan.
Our 6.5 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
Where the Aeroplan® Credit Card earns its rewards is its bonus categories: 3x on travel (about $54 a year on the $1,800 a typical household spends there), 2x on dining (about $60 a year on the $3,000 a typical household spends there), and 2x on groceries (about $120 a year on the $6,000 a typical household spends there). Across a full year of average household spending, the card returns roughly $439 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | Bonus category |
| Dining and restaurants | 2x | Bonus category |
| Groceries | 2x | Bonus category |
| Gas | 2x | Bonus category |
| Everything else | 1x | Everything else |
The fine print on rates: Grocery and dining purchases earn 3x through December 31, 2026, then 2x; the table shows the standing 2x. The annual fee rose to $195 with the 2026 refresh.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your travel, dining, and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 3x on travel
- 2x on dining
- 2x on groceries
- 2x on gas
- Welcome offer worth about $750
- No foreign transaction fees
- Miles tied to Aeroplan
- Most useful if you engage with award travel
The welcome bonus
The current welcome offer is Up to 115,000 bonus points, earned after you spend $4,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $750. The spending requirement works out to roughly $1,333 per month, so make sure it fits your normal budget rather than pushing you to overspend.
Is it worth the annual fee?
To come out ahead on the Aeroplan® Credit Card you need to clear its $195 annual fee, and it leans on rewards rather than credits to get there. On typical spending it earns about $439 a year. For anyone who spends in its categories, the fee is easy to justify. My honest rule of thumb is that most annual-fee cards are really a year-one play. The welcome bonus is where the value is, and unless the credits or perks clear the fee on their own, the move is to take the bonus and downgrade to a no-fee card after the first year. The Venture X is the classic exception, since its travel credit and anniversary miles cover the fee on their own.
First-year value vs ongoing value
| Welcome bonus | Up to 115,000 bonus points |
| To earn it | $4,000 in 3 months |
| Est. first-year value* | $994 |
| Est. ongoing value / yr* | $244 |
The welcome bonus makes year one the high point: roughly $994 in value once you count the bonus, this card’s rewards, and its credits, minus the $195 fee. After that, the honest figure is about $244 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Up to 115,000 bonus points: 75,000 after $4,000 in 3 months, plus 40,000 after $20,000 in the first 12 months
- Up to $100 in annual Air Canada statement credits
- Complimentary Aeroplan 25K Status
- Free first checked bag on Air Canada
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you want a flexible Star Alliance currency, the Aeroplan card is one of the best foreign co-brands out there, good everyday earning, a free bag, and miles that redeem well across many partners.
If you have no interest in Star Alliance award travel, the miles are less useful to you. But for award travelers, this is a genuinely strong pick.
Status this card can unlock
Status from this card can feed these matches and challenges. Each one is broken down in our status match tracker, including what you need, what you get, and whether it is worth doing.
- Virgin Atlantic Flying Club: Its automatic Aeroplan 25K is on the accepted list, if complimentary status passes review.
- Aeroplan → World of Hyatt: Its automatic 25K status qualifies you for the 90-day Hyatt Globalist challenge.
Alternatives to the Aeroplan® Credit Card
Pairs well with
The Aeroplan® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Aeroplan® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of November 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
