Aeroplan® Card
The Aeroplan® Card from Chase earns up to 4.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 4.5%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Aeroplan Card earn in each category?
Dining is the strongest category at 4.5% effective value (3x miles at about 1.5 cents each). That dining rate ranks higher than about 99% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 4.5% effective value (3x miles at about 1.5 cents each). That dining rate ranks higher than about 99% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x miles | 4.5% Top category |
| Grocery Supermarkets and grocery stores | 3x miles | 4.5% |
| Gas Gas stations and fuel | 1x miles | 1.5% |
| Travel Flights, hotels, transit | 1x miles | 1.5% |
| Other General everyday spend | 1x miles | 1.5% |
Madeen values Aeroplan Loyalty Program at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Aeroplan Card reward caps and conditions?
The Aeroplan Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services
- 3x points for each dollar spent at grocery stores
Who should get the Aeroplan Card?
The Aeroplan Card fits spenders who put meaningful volume in dining and can earn 3x miles. Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Aeroplan Card fits spenders who put meaningful volume in dining and can earn 3x miles. Madeen ranks its dining effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 4.5% effective (3x miles).
- That dining rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Aeroplan Loyalty Program value depends on how you redeem, not straight cash back.
Does the Aeroplan Card have an annual fee, and what's the welcome bonus?
The Aeroplan Card has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.
What travel perks does the Aeroplan Card include?
The Aeroplan Card includes Trusted traveler credit, Free checked bag, 10% bonus on Ultimate Rewards® points transfers, 24/7 Fraud Monitoring and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditGlobal Entry or TSA Pre® or NEXUS Fee Credit - receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card
- Free checked bagFree First Checked Bags - cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight
What benefits come with the Aeroplan Card?
- 10% bonus on Ultimate Rewards® points transfers
Chase Aeroplan credit cardmembers, get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 Aeroplan bonus points per calendar year.
- 24/7 Fraud Monitoring
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
- Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- Credit Journey
Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud.*Opens offer details overlay We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.
- DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Elite Status Level up
Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year.
What annual spend bonuses does the Aeroplan Card offer?
- Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year
- New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year.*Same page link to Offer Details Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada operated flights. Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year
Common questions about the Aeroplan Card
Does the Aeroplan Card have an annual fee?
The Aeroplan Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Aeroplan Card?
Dining is the strongest Madeen category for the Aeroplan Card at about 4.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Aeroplan Card charge foreign transaction fees?
The Aeroplan Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Aeroplan Card welcome bonus?
The Aeroplan Card welcome offer in our snapshot: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Aeroplan Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Aeroplan Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Aeroplan Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Aeroplan Card compare to similar cards?
Compare the Aeroplan Card against AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee); Chase Freedom Unlimited Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Aeroplan Card This card | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 | |
| Dining | 3% | $95 |
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