Aeroplan® Credit Card
VisaIssued by Chase
Earn 3x points on Air Canada, Groceries, and Dining; 1x on all other purchases.
ANNUAL FEE
$95.00
PURCHASE APR
19.74% – 28.24%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
70000
Earn 70,0000 bonus points after you spend $3,000 on purchases in the first 3 months.
TOP POINTS
3x points
Earn 3 points for every $1 spent on Air Canada purchases.
Key Benefits
- Carbon Offset: Chase and Air Canada will purchase carbon offsets to reduce the impact of your flight when you fly Air Canada using Aeroplan points.
- No foreign transaction fees
- Free first checked bag for the primary cardmember and up to 8 companions on the same reservation
- Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year
Important Limitations
- General non-category spending
- Cash advances
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Air Canada Purchases | 3x points | Unlimited (no annual cap) | • Air Canada |
| Grocery Store Rewards | 3x points | Unlimited (no annual cap) | Earn 3 points for every $1 spent at grocery stores. |
| Dining Rewards | 3x points | Unlimited (no annual cap) | Earn 3 points for every $1 spent on dining, including takeout and eligible delivery services. |
| All | 1x point | Unlimited (no annual cap) | Earn 1 point for every $1 spent on all other purchases. |
Fees & APR
ANNUAL FEE
$95.00
REGULAR PURCHASE APR
19.74% – 28.24%
CASH ADVANCE APR
28.24% – 28.24%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$5 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Free First Checked Bag
- ✓Primary cardmember and up to 8 companions on the same reservation receive a free first checked bag on Air Canada flights.
- ✓Must be an Air Canada operated flight
- ✓Reservation must include cardmember's Aeroplan number
Global Entry, TSA PreCheck or NEXUS Fee Credit
- ✓Up to $120 reimbursement as a statement credit every 4 years for the application fee.
- ✓Must charge the application fee to the Aeroplan card
Security Features
- ✓Fraud Protection – Real-time monitoring for suspicious activity.
- ✓Zero Liability Protection – You won't be held responsible for unauthorized charges made with your card or account information.
Best Use Cases
IDEAL FOR
- Air Canada frequent flyers
- International travelers
- Aeroplan status seekers
NOT RECOMMENDED FOR
- General non-category spending
- Cash advances
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $3,000.00 to unlock $70,000.00 bonus
- Effective 2333% return on first $3,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 3x points on Air Canada Purchases
- 3x points on Grocery Store Rewards
- 3x points on Dining Rewards
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-432-3117
Last updated: Mar 17, 2026
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