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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)!
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!
- 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)
Credit limit range $5,000-$24,300
Avg. Credit limit$14,950
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
Secondary coverage on rentals when renting within the U.S.
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)
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.
Get your first checked bag free for you and up to 8 companions on Air Canada flights
Get a $100 statement credit for Global Entry, TSA Precheck or NEXUS every 4 years.
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.
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.
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.
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.
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.
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
- Brussels Airlines
- Copa Airlines
- Croatia Airlines
- Ethiopian Airlines
- EVA Air
- Juneyao Airlines (connecting partner)
- LOT Polish Airlines
- Scandinavian Airlines
- Shenzhen Airlines
- Singapore Airlines
- South African Airways
- TAP Portugal
- Thai Airways
- Turkish Airlines
- United Airlines
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:
- Annual fee (No end date)
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:
|London or Frankfurt
|Vienna or Tel Aviv
|Los Angeles to:
|London or Prague
|Istanbul or Cairo
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)