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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 sourceWhat is Global Entry / TSA PreCheck / NEXUS?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $120 every 4 years Inferred by source |
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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.