Back to Credit Cards
Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $286
- First-Year Value Estimate
- $694
- Net Value
- +$191
Card type: PersonalForeign transaction fee: NoneCurrency: Air Canada Aeroplan
Earning Structure
3X pointsDining4.2%
3X pointsGrocery Stores4.2%
3X pointsPurchases made directly with Air Canada4.2%
1X pointsAll other purchases1.4%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
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
Worth it for me?Credits & Perks (3)
- 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: $10 (Monthly)
Monthly credit on Instacart orders with active Instacart+ membership (enroll by 12/31/27)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
Elite Status (3)
- Air Canada Aeroplan: Elite 25K
- Air Canada Aeroplan: Maintain 25K Status with $15,000 annual card spend
- Air Canada Aeroplan: Earn up to 25,000 SQC annually (5K base + 10K at $25K spend + 10K at $50K spend). Automatic 35K status at $75K 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)
- Earn 500 bonus Aeroplan points for every $2K spent in a calendar month (up to a maximum of 1.5K bonus points per month)
- 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)
- 10% bonus on Chase Ultimate Rewards transfers of 50,000+ points in a single transaction (max 25K bonus points per calendar year)
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/27)
- Preferred pricing on flight rewards requiring fewer points than non-cardholders on Air Canada flights
- Hotel 4th night free when redeeming 4+ consecutive nights with Aeroplan points at participating hotels (through 12/31/26)
- 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