$229
Annual fee
See the card
Card reviewChase
Updated Aug 14, 2026 · research
ChaseAeroplan
Aeroplan Card
Earn 3x Aeroplan points at grocery stores, dining, and directly with Air Canada, plus 1x on other purchases.
Mid TierPersonal
Mastercard
$95
Annual fee
500x pts monthly spending bonus
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 60,000 points
Spend $3,000 in 90 days
product page
Card Offers
public
Earn 60,000 points
Spend $3,000 in 90 days
product page
Earning Rates
Monthly spending bonus
500xpoints
500 bonus points for each $2,000 spent in a calendar month, on up to $6,000 in purchases.
Air Canada purchases made directly
3xpoints
Excludes gift cards, car rentals, hotel bookings, third-party partner products and services purchased through aircanada.com, onboard Wi-Fi, and certain third-party ticket purchases.
Dining at restaurants, including takeout and eligible delivery services
3xpoints
Grocery stores
3xpoints
All other purchases
1xpoints
Pros & Cons
Pros
- Earns 3X Aeroplan points in three high-spend everyday categories: groceries, dining, and Air Canada purchases
- 60,000-point welcome bonus worth an estimated $900 after meeting the spend requirement
- No foreign transaction fees, making it useful for international travel
- Free first checked bag on Air Canada flights, offsetting a portion of the annual fee
Cons
- The $95 annual fee is not waived in the first year
- Rewards are locked into the Aeroplan program, limiting flexibility for non-Air Canada travelers
- Only earns 1X points on purchases outside the three bonus categories
- Free checked bag benefit may require booking directly with Air Canada using the card
Key Takeaways
- Earns 3X Aeroplan points on groceries, dining, and direct Air Canada purchases
- Welcome bonus of 60,000 points (estimated $900 value) requires $3,000 in spend within the first 3 months
- No foreign transaction fees make it useful when traveling abroad
- Free first checked bag on Air Canada can help offset the $95 annual fee
- Rewards are tied exclusively to the Aeroplan program, so value depends on how you use Air Canada
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.74% - 28.24%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
11 benefits (3 strong or better) including 1 hidden gems
Travel Credits
Elite Status
Statement Credits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Aeroplan® Card?
The Aeroplan® Card has a $95 annual fee. This fee is not waived in the first year, so it applies from the moment the account is opened.
What are the earning rates on the Aeroplan® Card?
The card earns 3X Aeroplan points at grocery stores, on dining (including take-out and eligible delivery services), and on purchases made directly with Air Canada. All other purchases earn 1X points per dollar spent.
Does the Aeroplan® Card charge foreign transaction fees?
No, the Aeroplan® Card does not charge foreign transaction fees. This makes it a practical option for international travel or purchases in foreign currencies.
What is the free first checked bag benefit?
Cardmembers receive their first checked bag free when flying Air Canada, which can result in meaningful savings on baggage fees. The benefit may require booking directly with Air Canada using the card, so cardmembers should review the guide to benefits to confirm eligibility.
What credit score is needed to apply for the Aeroplan® Card?
The Aeroplan® Card generally requires good credit for approval. Applicants should review Chase's full eligibility criteria before applying.
What is the purchase APR on the Aeroplan® Card?
The card carries a variable purchase APR ranging from 19.74% to 28.24%. The rate assigned to an individual account will depend on creditworthiness at the time of approval.
What rewards program does the Aeroplan® Card use?
The card earns points in the Aeroplan loyalty program, which is Air Canada's frequent flyer program. Points can be used for Aeroplan redemptions as governed by the Aeroplan program terms.
Is the Aeroplan® Card a Visa or Mastercard?
The Aeroplan® Card is issued on the Visa network. It is a personal card and not designed for business use.
Does the free checked bag benefit apply to companions?
The free first checked bag benefit applies to the primary cardmember and possibly companions on the same reservation. Cardmembers should verify the exact terms in the guide to benefits provided by Chase.
About This Card
The Aeroplan® Card is best for consumers who regularly fly Air Canada and want to earn Aeroplan points through everyday spending on groceries and dining. It suits travelers who can take advantage of the free checked bag benefit and welcome bonus to offset the annual fee.
The Aeroplan Card is a Chase-issued Air Canada co-branded travel card that earns Aeroplan points, offers an annual fee of $95, and includes Aeroplan elite-status, checked-bag, trusted-traveler fee-credit, and no-foreign-transaction-fee benefits.
The Aeroplan® Card stands out among co-branded airline cards at the $95 tier by pairing a strong 3X earn rate across both groceries and dining with Air Canada travel benefits, giving cardmembers multiple ways to accumulate points beyond just flying.
Ready to Decide?
Apply for the Aeroplan Card
Earn 60,000 points with a $95 annual fee.
Spend $3,000 in 90 days
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Sources & Methodology
Sources & Methodology
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We collect card details from official issuer pages, then verify them with automated checks.
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- 11 of 11 benefits rated high confidence
- 11 source citations across benefits
- 1 of 1 offer verified
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