Chase Aeroplan
At a glance
- Bonus
- 75,000 points + 40,000 points after $20,000 in 12 monthsAeroplanEst. $820+ value
- To earn it
- Spend $4,000 in 3 months
- Annual fee
- $195 annual fee
- Apply by
- No public end date stated
Terms and eligibility can change. Confirm the details with the issuer before you apply.
Credits and perks
Most used first. Tick what you don't need and the math leaves it out. Full terms are on the issuer's site.
What the bonus is worth
Est. $820+ value
75,000 points × 1.1¢
Air Canada Aeroplan points have no fixed cash rate, so the floor is the low end of what points sites say they're worth: $820 at 1.1¢ per point. Good redemptions reach 1.5¢ per point.
What points sites say: 1.1¢ to 1.5¢ per point
Third-party valuations: what points sites estimate points are worth on average, not a cash value or an issuer promise. Your value depends on how you redeem.
Estimate as of Oct 17, 2026.
Biggest catches
- Chase 5/24. One Mile at a Time says Chase's normal rules, including 5/24, apply to this card, though it notes enforcement may be inconsistent. onemileatatime.com (third-party)
- Bonus once per 24 months, previous versions included. Current cardmembers can't apply, and anyone who got this card's bonus, or a previous version's, in the last 24 months is excluded. creditcards.chase.com
- Points leave Chase every month. Points earned on the card move to your Aeroplan account after each billing cycle; they aren't Ultimate Rewards and can't go to Chase's other partners. Points not yet transferred can be lost if the account is closed for misuse. creditcards.chase.com
- Cash-like spend doesn't count toward the bonus. Travelers checks, foreign currency, money orders, crypto and other cash-like transactions aren't purchases for the $4,000 or $20,000 tiers. Gift cards are only explicitly excluded from the Air Canada 3X earning and credit. creditcards.chase.com
- The 40,000 extra takes $20,000. The full 115,000 needs $20,000 of purchases in the first 12 months, five times the first tier's spend. Many churners will only realistically see the 75,000. creditcards.chase.com
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
YMMV: approval and bonus eligibility are the issuer's decision.
Sensei's move
Hold the card, then transfer Ultimate Rewards with a 10% bonus
Chase Ultimate Rewards transfer to Aeroplan 1:1, and cardholders get an automatic 10% bonus on transfers of 50,000 points or more. Doctor of Credit says it stacks with Chase's periodic Aeroplan transfer bonuses (the last one, 20%, ended September 30, 2026). This makes the card the Aeroplan hub of a Chase trifecta.
Still works as of Oct 17, 2026 · onemileatatime.com (third-party)
Cardmember award discount
Primary cardmembers get at least 15% off the points needed for the base fare of eligible Aeroplan flight rewards (FLY15OFF); it doesn't reduce taxes and fees.
Still works as of Oct 17, 2026 · creditcards.chase.com
Status from the card alone
The card gives automatic Aeroplan 25K status with no spend requirement, and spending $25,000 and $50,000 earns 10,000 Status Qualifying Credits each, up to 25,000 card SQC a year.
Still works as of Oct 17, 2026 · creditcards.chase.com
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
Sensei's take
75,000 Aeroplan points for $4,000 is a solid churn on a $195 fee; the extra 40,000 needs $20,000, which most people won't put on a co-brand. As a keeper it's for Air Canada flyers: the $100 Air Canada credit, 25K status, free bags and the 15% award discount add up only if you fly them. For Chase points collectors, the 10% transfer bonus on 50,000+ point transfers can justify keeping it in years you move big balances. Otherwise, take the bonus and reassess at the first fee.
Our opinion, from the facts on this page as of Oct 17, 2026.
Weighing this card? Put it before the Money Court jury
How today's offer compares
- Today
- 75,000 points
- Highest in 3 years
- 115,000 points
- Sep 2026 · $24,000 spend in 12 months
- Sep 2026: 115,000 points, reported by CardCurator, highest in 3 years
- Today: 75,000 points
Today's offer is 40,000 points below the highest public offer in the last 3 years (Sep 2026).
Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.
Public offers anyone could apply for since Oct 2023, from the bonus-history sources we checked. Whether the first-year fee was waived isn't counted. Targeted and referral offers aren't compared.
Sources
Terms can change. Spotted something out of date? Tell us and we'll recheck it against the provider's page.
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