Chase
Air Canada Aeroplan Card
Estimated value every year on typical spending
$408/ year
Every year, after the annual fee. Year one adds a $825 welcome bonus: $1,233
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Air Canada Statement Credits $100 → $35 · Free Checked Bags (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Chase Air Canada Aeroplan Card returns about $603 a year in rewards and usable credits, which covers its $195 fee with $408 to spare. The welcome bonus adds roughly $825 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.99% to 28.49% variable
- Foreign fee
- Not specified
- Top perk
- Free first checked bags
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 5X total points on purchases made directly with Air Canada
- 3X points on travel purchases
- 2X points on dining and grocery store purchases
Sign-up bonus
75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
Best for
- Big spenders on travel
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $195
- Intro APR
- Not listed
- Regular APR
- 19.99% to 28.49% variable
- $300/mo on travel earns about $119/year (3.3000000000000003x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
- The $195 fee pays for itself at about $710/mo on travel.
- You come out ahead of a no-fee 1% card after about $8500/year of travel spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Air Canada Aeroplan Card: questions people ask
Is the Chase Air Canada Aeroplan Card worth it?
On typical spending the Chase Air Canada Aeroplan Card returns about $603 a year in rewards and usable credits, which covers its $195 fee with $408 to spare. The welcome bonus adds roughly $825 in the first year.
What is the Chase Air Canada Aeroplan Card annual fee?
The Chase Air Canada Aeroplan Card has a $195 annual fee. On typical spending its rewards and usable credits come to about $603 a year, so it nets about $408 after the fee.
What is the Chase Air Canada Aeroplan Card welcome bonus?
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months. We value it at about $825. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase Air Canada Aeroplan Card earn?
5X total points on purchases made directly with Air Canada. 3X points on travel purchases. 2X points on dining and grocery store purchases.
What credit score do you need for the Chase Air Canada Aeroplan Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase Air Canada Aeroplan Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.