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Chase refreshed the card on September 10, 2026, with changes applying to new and existing cardmembers. The figures and offer below reflect Chase’s published terms as of October 2026; check the live offer and benefit terms before applying.
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What the Chase Aeroplan card costs and offers
Chase lists a $195 annual fee for the U.S. consumer card. Its displayed welcome offer is split across two spending milestones:
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1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitches- Earn 75,000 Aeroplan points after spending $4,000 on purchases in the first three months.
- Earn another 40,000 points after spending $20,000 on purchases in the first 12 months.
Meeting both requirements would earn 115,000 bonus points. That total is not automatic: each threshold has its own time window, and the second requires substantially more spending. Chase says eligibility restrictions apply, including restrictions for people who currently have the card or a previous version, or who received its new-cardmember bonus in the prior 24 months. Review the current offer and terms before applying, since welcome offers can change.
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How the card earns Aeroplan points
Chase’s current earning rates are based on eligible purchases made with the card. Points transfer automatically to Aeroplan after each billing cycle. Chase says transferred points do not expire while the card account remains open; Aeroplan program terms may also affect how points are used.
| Purchase category | Points per dollar | Timing or qualification |
|---|---|---|
| Direct Air Canada purchases | 3X from the card | Eligible flights may earn 2 additional points per dollar from Air Canada for cardmembers traveling as Aeroplan 25K members, which is how the advertised total can reach 5X. |
| Travel purchases | 3X | Chase’s stated card earning rate. |
| Grocery stores and restaurants, including takeout and eligible delivery | 3X through December 31, 2026; 2X beginning January 1, 2027 | The higher rate is temporary, not an ongoing category rate. |
| Gas stations | 2X | Chase’s stated card earning rate. |
| All other purchases | 1X | Chase’s stated card earning rate. |
Chase also lists 500 bonus points for each $2,000 spent in a calendar month through December 31, 2026, up to 1,500 bonus points per month. This temporary monthly bonus is separate from the category rates.
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The “up to 5X” Air Canada headline needs context: the card itself earns 3X on direct Air Canada purchases. The additional 2 points per dollar come from Air Canada on eligible flights when the cardmember is traveling as an Aeroplan 25K member, and are subject to Air Canada’s own eligibility rules.
What Aeroplan 25K status and travel benefits provide
Under the refresh effective September 10, 2026, cardmembers receive automatic Aeroplan 25K status without a spending requirement. That status can be especially useful to someone who flies Air Canada, but status is not equivalent to cash: its value depends on whether the traveler can use the applicable services and credits.
- Checked bags and priority services: Chase describes a first checked bag for the cardmember and up to eight people on the same reservation, along with priority services. Eligibility and terms apply, so check the details for the itinerary and travelers involved.
- eUpgrade credits: Chase lists eUpgrade credits among the Air Canada travel benefits. Their practical value depends on qualifying travel and the program rules.
- Air Canada statement credits: The card advertises up to $100 annually, provided as up to $50 twice a year for eligible transactions. You need qualifying Air Canada spending and must meet the terms to receive the credits.
- Airport-security application-fee credit: Chase lists a credit for a Global Entry, TSA PreCheck or NEXUS application fee. The current amount and frequency are not specified here; confirm them in the live benefit terms.
- Reward-flight savings: Chase describes a 15% savings benefit on eligible Air Canada flight rewards. Availability and exact redemption terms should be checked before treating it as a dependable discount.
Chase’s September 10, 2026 announcement says the refreshed benefits took effect for both new and existing cardmembers on that date.
Is the Chase Aeroplan card worth its annual fee?
Start with benefits you can realistically use, rather than adding up advertised maximums. If you regularly fly Air Canada, the automatic 25K status, checked-bag benefit, priority services and eligible statement credits may offset some of the $195 fee. How much they are worth depends on your travel patterns, qualifying purchases and ability to use each benefit.
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If Air Canada is an occasional or unlikely choice, the airline-specific perks and flight-reward savings may contribute little to your own value calculation. The card still earns points on travel, groceries, dining and gas, but category rates alone do not establish a fixed dollar value for Aeroplan points. The sources do not support a universal cash value per point; redemption value varies with the reward and availability.
Also consider whether the welcome-offer spending fits your normal budget. Do not spend extra or carry interest-bearing debt to reach a bonus threshold. The offer is a reason to apply only if you are eligible and can meet the requirements through planned purchases.
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Limited-time Ultimate Rewards transfer bonus
Through December 31, 2026, eligible primary cardmembers who also hold an eligible Chase Ultimate Rewards card can receive a 10% bonus after transferring at least 50,000 Ultimate Rewards points to Aeroplan in one transaction. The bonus is capped at 25,000 points per calendar year. This is a time-limited offer, not a permanent card earning rate; check the current offer details for eligibility and transfer terms before making a transfer.
Quick Recap
Who should consider it—and who may not
It may fit if you
- Fly Air Canada often enough to use Aeroplan 25K status and the travel-day benefits.
- Can make use of the eligible Air Canada statement credits without buying travel you would not otherwise purchase.
- Have planned spending that meets the welcome-offer thresholds without changing your budget.
- Want Aeroplan points and understand that their value depends on the award you book.
It may be a poor fit if you
- Rarely fly Air Canada and are unlikely to use its status, baggage or priority benefits.
- Would not use the airline credits or eligible reward-flight savings.
- Would need to overspend or carry a balance to reach the bonus requirements.
- Are choosing primarily for grocery or dining rewards and expect 3X to continue after 2026; Chase’s listed rate drops to 2X on January 1, 2027.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
