Aeroplan
Chase
Aeroplan
Offer Strength
Great offer$490 above typical value
Show breakdown
Estimated bonus value: ~$1,190
Base score: 75
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$102
• 1 free checked bag
Current $1,190 vs typical $700
Net value after annual fee: ~$1,190
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Aeroplan
Welcome Offer
Earn 85,000 bonus Aeroplan points after $4,000 in purchases in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3x points on grocery, dining, and Air Canada purchases
500 bonus points per $2,000 monthly spend (up to 1,500/month)
1x points on all other purchases
Key benefits
Aeroplan 25K Status (priority check-in, boarding, 20 eUpgrade credits)
Aeroplan 25K Status (priority check-in, boarding, 20 eUpgrade credits)
Free first checked bag on Air Canada
Free first checked bag on Air Canada
50% discount on Preferred Seats with Aeroplan 25K
50% discount on Preferred Seats with Aeroplan 25K
TSA PreCheck / Global Entry / NEXUS credit ($100 every 4 years)
TSA PreCheck / Global Entry / NEXUS credit ($100 every 4 years)
DoorDash DashPass (12 months)
DoorDash DashPass (12 months)
10% transfer bonus on 50,000+ Ultimate Rewards transfers
10% transfer bonus on 50,000+ Ultimate Rewards transfers
Perks
Priority boarding on Air Canada
Priority boarding on Air Canada
No foreign transaction fees
No foreign transaction fees
Baggage and trip insurance
Baggage and trip insurance
Ongoing Value
Annual benefits that offset the fee year after year.
Free Checked Bags
1 free checked bag per flight
Priority Boarding
Priority boarding on eligible flights
Aeroplan 25K Status + free first checked bag on Air Canada + priority boarding + TSA PreCheck credit.
Annual Fee Breakeven
Good fit for
About this card
The Chase Aeroplan is a airline rewards card with a $95 annual fee. New cardholders can earn 85,000 points after spending $4,000 in 90 days.
Best for
occasional travelers, frequent flyers
Key considerations
Low annual fee of $95 is easy to offset with benefits. Subject to Chase 5/24 rule — plan application timing.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
5,000 Aeroplan points
PhoneReddit · 2025-10
Tip: Newer card with limited retention data. Call near your anniversary.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the Aeroplan awards 85,000 points after spending $4,000 within 90 days of account opening.
Annual fee value
The $95 annual fee is partially offset by ongoing benefits including free checked bags (~$70/yr), with an estimated total value of ~$70 per year.
In the first year, the sign-up bonus alone delivers approximately $1,165 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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