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Chase · credit
Last updated
Is the Aeroplan worth keeping when the fee hits?
Welcome offer — Offer varies — typically 75,000 points after $4,000 spend in 3 months Estimated by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 3× | Grocery, dining & Air Canada purchases Inferred by source |
|---|---|
| 1× | Everything else Inferred by source |
| Global Entry / TSA PreCheck / NEXUS | $120/yr · one-time Inferred by source |
|---|
No lounge access.
| Free first checked bag | On Air Canada flights for you and up to 8 companions on the same reservation Inferred by source |
|---|---|
| Aeroplan 25K status | Automatic for the rest of the year plus the next full year Inferred by source |
| Trip cancellation | Up to $1,500/person trip cancellation/interruption Inferred by source |
|---|---|
| Baggage | Baggage delay + lost luggage protection Inferred by source |
Using Aeroplan at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Aeroplan® Credit Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Aeroplan® Credit Card returns about $120 in value against its $95 annual fee — a net of +$25 per year. It can pay for itself if you actually use the credits.
The Aeroplan® Credit Card earns 3x on grocery, dining & air canada purchases, 1x on everything else.
No — the Aeroplan® Credit Card does not include airport lounge access.
No — the Aeroplan® Credit Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 75,000 points after $4,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.