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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 60,000 points after spending $3,000 within the first 3 months.

Bonus Value

Approximately $600 - $780

Annual Fee

$95

Card Rewards

3 points on groceries and restaurants including takeout and eligible delivery services

3 points on purchases made directly with Air Canada

1 point on all other purchases

Plus earn a bonus 500 points for every $2000 you spend per calendar month (up to 1,500 bonus points)

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: January 18, 2024 | Credit Card Review
Card Overview

The Aeroplan® Credit Card will help you earn points for an Air Canada voyage, or a trip with any of the 45 airline partners. You get to enjoy some great travel benefits such as 25k Elite status, a credit for Global Entry, TSA Precheck, or Nexus, a free first-checked bag, trip cancellation/trip delay insurance, and more (details below). Plus, you can use your Aeroplan rewards to offset purchases for any airline ticket booked on any airline at a rate of 1.25 cents per point (USD)!

Why I Like This Card

I like that this card sets you up to fly Air Canada or its travel partners. You earn a nice amount of Aeroplan miles which you can use to offset the purchase of airline tickets for 1.25 cents per point! All you need to do is use your card for the travel purchases for a max of 50k miles per year. I find it amazing that you also get automatic upgrade to Aeroplan 25k Elite status for the remainder of the first calendar year plus the following calendar year. With Aeroplan 25k Elite status you get priority check-in, early boarding, and free upgrades. You can also requalify for 25k status for the remainder of the calendar year plus the following calendar year after spending $15,000 in a calendar year. And all that is besides the benefits you get, which I love, such as your first checked bag free for yourself and up to 8 companions on Air Canada flights, a statement credit for Global Entry, TSA Precheck or NEXUS every 4 years, luggage delay insurance, and loads more. Bon Voyage!

Card-Smart Tips & Advice
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined.
  • Check application status: You can check your application status at Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If you get declined then you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login). You can also request Chase to overnight your physical card by calling Chase customer service.

Approval Monitor (submitted by HelpMeBuildCredit users)

67% Approved
746 Avg. Score of those approved
33% Denied
Approved 67% (6)
Denied 33% (3)

Credit limit range $5,000-$24,300

Avg. Credit limit$14,950

Approved 67% (6)
Denied 33% (3)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
This welcome bonus offer is not available to either current Cardmembers of the Chase Aeroplan credit card, or previous Cardmembers of the Chase Aeroplan credit card, who opened a new card within the last 24 months.
Card Details And Benefits
Auto Rental Collision Insurance

Secondary coverage on rentals when renting within the U.S.

Companion Certificate

Get a free companion pass (valid for all classes) after you spend $1M on your card within a calendar year. Companion passes are only valid for Air Canada flights booked with rewards (you will get 100% of your rewards refunded for your companion’s ticket)

Extra Redemption Value

New! Use your Aeroplan rewards to offset purchases for any airline ticket booked on any airline (or travel purchases) at a rate of 1.25 cents per point (USD)! All you need to do is use your card for the travel purchases. In 2023 you can use unlimited amount of miles. In 2024 the cap will be 50k miles per year.

Free Baggage

Get your first checked bag free for you and up to 8 companions on Air Canada flights

Global Entry and TSA pre-check

Get a $100 statement credit for Global Entry, TSA Precheck or NEXUS every 4 years.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries and clothing, for up to 3 days.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per account.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency, extreme weather conditions, etc. Max $1,500 per person, max $6,000 per trip for non-refundable travel expenses including flight tickets.

Trip Delay Reimbursement

If your flight is delayed for 12+ hours or more, you can claim up to $500 per ticket to cover expenses like meals and lodging.

Upgraded Statuses

Automatic upgrade to Aeroplan 25K Status for the remainder of the first calendar year plus the following calendar year. With Aeroplan 25K Status you get priority check-in, early boarding, and free upgrades.

Requalify for 25K status for the remainder of the calendar year plus the following calendar year after spending $15,000 in a calendar year.

Plus, earn a one-level status boost for the remainder of the calendar year plus the following calendar year after spending $50,000 in a calendar year.

How can the points be used?
Award flights

The points can be used at approximately 1 – 1.3 cents per point to book award flights with one of the following Air Canada airline partners:

  • Air Canada
  • Aegean Airlines
  • Air China
  • Air India
  • Air New Zealand
  • ANA – All Nippon Airways
  • Asiana Airlines
  • Austrian Airlines
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EGYPTAIR
  • Ethiopian Airlines
  • EVA Air
  • Juneyao Airlines (connecting partner)
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss
  • TAP Portugal
  • Thai Airways
  • Turkish Airlines
  • United Airlines
How to book

You can book award flights using your Aeroplan miles with Air Canada airline and its partners here.

Pay Yourself Back

You can also Pay Yourself Back by paying for purchases on your card and offsetting the purchases with points. You can get 1.25 cents per point.

This can only be done on purchases within certain categories, and Chase constantly changes the eligible categories. Current categories until 06/30/24) are:

  • Travel
  • Annual fee (No end date)
Good redemptions

You can find the Aeroplan award chart here. This chart is a weird combination of region / distance / revenue-based formulas and works approximately like this:

Flights on Air Canada metal are priced according to its revenue-based formulas. For example a Business Class flight to Europe may cost you 180,000 miles one way (a no-starter in my book and probably yours). Now, it doesn’t mean that Air Canada always charges these ridiculous rates, but it can.  

However, the redemption rates for Air Canada partners are fixed, and this is where you can find some resemblance of more-or-less reasonable values (remember that for partner airlines, it’s based on region / distance scheme. Here are some examples:

New York to:
Economy  Business
London or Frankfurt 35,000 60,000
Vienna or Tel Aviv 40,000 70,000
Johannesburg 55,000 85,000

 

Los Angeles to:
Economy  Business
London or Prague 40,000 70,000
Istanbul or Cairo 55,000 85,000
Johannesburg 70,000 100,000

 

Like I said at the beginning, none of these levels are anything to write home about, but having a published award chart always beats the [dreadful] alternative.

A 5,000-points stopover

While not entirely free as it used to be, a stopover for just 5,000 points can be a terrific deal. Especially combined with Air Canada liberal routing rules. You can add one stopover for a one-way flight, or up to two for a round trip. 

However, there is some bad news along with the good.

  • You can’t have a stopover in North America.
  • You have to book it on the phone (and likely pay the C$30.00 Contact Center service fee in addition to the 5,000 points)

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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