Aeroplan Card
Chase$195 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer is at the top of its own record.
Already have it? Keep it.
Welcome bonus
115,000points
- 75,000 after $4,000 in the first 90 days
- 40,000 more after $20,000 total in the first 12 months
Matches its high since February 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus115,000 points at 1.4¢ | $1,610 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$140 |
| Credits you'll likely useof $370 face value | +$165 |
| Annual fee | −$195 |
| Meeting the $20,000 spendearns 1.4% here vs 2% on Double Cash | −$120 |
| First year | $1,600 |
| Each year after | +$295 |
Not counted in the first year: other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Grocery Storesthrough 12/31/2026 | 4.2% |
| 2X | Grocery Stores | 2.8% |
| 3X | Diningthrough 12/31/2026 | 4.2% |
| 2X | Dining | 2.8% |
| 1X | Everything else | 1.4% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 2X | Gas | 2.8% |
| 3X | Other Travel | 4.2% |
| 3X | Purchases made directly with Air Canada | 4.2% |
Noteworthy perks
- Air Canada Statement Credit$100 a year
- Free first checked bag for the primary cardmember and up to eight other travelers on the same Air Canada reservation (up to 50 lbs each)
- Instacart$120 a year
Personal card · Earns Air Canada Aeroplan
Where this card ranks
- Listed among 147 cards for dining4.2%
- Listed among 119 cards for groceries4.2%
- Listed among 82 cards for travel4.2%
- Listed among 91 cards for flights4.2%
- Listed among 99 cards for hotels4.2%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (4)
- Air Canada Statement Credit: $50 (Semi Annual Calendar Year)
Up to $50 USD from January through June and another up to $50 USD from July through December.
- Global Entry/TSA PreCheck/NEXUS: $120 (Every 4 Years)
Covers application fee for Global Entry, TSA PreCheck, or NEXUS. Credit applies automatically when charged to card.
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (enroll by 12/31/27; coupons end 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Elite status (3)
- Air Canada Aeroplan: Aeroplan 25K
- Air Canada Aeroplan: Automatic 5,000 Status Qualifying Credits bonus annually.
- Air Canada Aeroplan: Earn 10,000 Status Qualifying Credits with $25,000 in calendar-year spend and another 10,000 with $50,000; upgrade to Aeroplan 35K Status with $75,000 in calendar-year spend.
Protections (5)
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler, $6,000 per trip for non-refundable fares
- Trip Delay, up to $500, Up to $500 per person for delays over 12 hours or requiring overnight stay
- Baggage Delay, up to $300, Up to $100/day for 3 days for essential purchases when baggage delayed over 6 hours
- Purchase Protection, up to $500, 120 days coverage for theft/damage (90 days for NY residents)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft on rental vehicles
Other Perks
- Free first checked bag for the primary cardmember and up to eight other travelers on the same Air Canada reservation (up to 50 lbs each)
- Access to Pay Yourself Back feature for statement credits on travel purchases at a rate of 1.25 cents per point (up to 200K points per year)
- Complimentary Instacart+ membership for 3 months (enroll by 12/31/27)
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/27)
- 15% discount on Aeroplan one-way flight awards that include at least one Air Canada-operated flight, including mixed Air Canada and partner itineraries; eligible Aeroplan household-account members also receive the discount.
- Hotel and car rental 4th day free when redeeming 4+ consecutive days with Aeroplan points (through 12/31/26)
- Carbon offsets on Air Canada award flights
- Complimentary Apple TV+ subscription
- Priority Reward after $100K, $250K, $500K, or $750K spend
- Free award companion for the rest of the calendar year and all of the next year after $1 million spend
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Aeroplan CardOct 8, 2026
- changed from 95 to 195Sep 12, 2026
- changed from 60K bonus points after 3K in purchases within the first 3 months to 75K bonus points after you spend $4K in the first 3 months after your account is open and earn an additional 40K bonus points after you spend a total of $20K on purchases in the first 12 months after your account is openSep 10, 2026
- changed from 3000 to 4000Sep 10, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 75K bonus points after $4K in purchases within the first 3 months + an additional 25K bonus points after a total of $20K in purchases within 12 months to 60K bonus points after 3K in purchases within the first 3 monthsAug 12, 2026
- changed from 60K bonus points after you spend $3K on purchases in the first 3 months that the account is open. to 75K bonus points after $4K in purchases within the first 3 months + an additional 25K bonus points after a total of $20K in purchases within 12 monthsAug 6, 2026