The Chase Aeroplan Credit Card is an excellent option for frequent travelers, especially those flying with Air Canada. It offers valuable features like a high earn rate on Air Canada purchases, no foreign transaction fees, and free first checked bag benefit. While the welcome bonus is attractive, the card charges an annual fee not waived in the first year.
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Additionally, the lack of a balance transfer offer and complexity in points redemption may be drawbacks for some. Ideal for those looking to maximize their rewards on international travel.
By Harlon Drosghic Apr 2026
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Chase Aeroplan Credit Card
Chase • Visa Signature Signature
- Annual Fee
- $ 95.00
- Points Program
- Aeroplan
- Miles Program
- Aeroplan
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.9/5
Score by category
Rewards
Points & Miles ★★★★★ 4.3/5
- Earn Rate 4.5
- Bonus Categories 4.0
- Redemption Value 4.0
- Points Expiration 4.5
- Transfer Partners 4.5
Credit Building ★★★★★ 3.6/5
- Upgrade Path 3.0
- Credit Bureau Reporting 5.0
- Educational Tools 2.0
- Credit Limit Growth 3.5
- Approval Accessibility 3.5
Lower Fees ★★★★★ 3.7/5
- Annual Fee Value 4.0
- Cost Transparency 4.0
- Fee Waiver Potential 2.0
- Penalty Friendliness 3.5
- Foreign Transaction Fee 5.0
Purchase Perks ★★★★★ 3.3/5
- Extended Warranty 3.0
- Installment Perks 2.5
- Merchant Discounts 3.0
- Everyday Usefulness 3.5
- Purchase Protection 4.0
Travel Perks ★★★★★ 4.3/5
- Airport Lounge Access 4.0
- Travel Insurance 4.5
- Travel Redemption 4.0
- No Foreign Tx Fees 5.0
- Hotel & Airline Perks 4.0
Score by category
User Experience
★★★★★ 4.2/5
Score by category
User Experience
App / Experience ★★★★★ 4.3/5
- Ease of Navigation 4.0
- Self-Service 4.0
- Billing Clarity 4.0
- Feature Quality 4.5
- App Speed & Stability 4.5
Support Quality ★★★★★ 4.0/5
- Response Time 4.0
- Channel Availability 4.5
- Agent Professionalism 4.5
- First-Contact Resolution 3.5
- Resolution Effectiveness 4.0
Transparency ★★★★★ 3.9/5
- Terms Simplicity 3.5
- Billing Transparency 4.0
- Fee & Interest Clarity 4.0
- Charge Predictability 4.0
- Communication Clarity 4.0
Security & Control ★★★★★ 4.5/5
- Card Control Features 4.5
- Fraud Protection 5.0
- Virtual Card Experience 4.0
- Incident Resolution 4.5
- Real-Time Monitoring 4.5
Benefits Usability ★★★★★ 4.3/5
- Ease of Earning 4.5
- Ease of Tracking 4.5
- Real-World Value 4.0
- Rules Simplicity 4.0
- Ease of Redeeming 4.5
Pros & Cons Chase Aeroplan Credit Card
Pros
- ✓High earn rate on Air Canada purchases
- ✓Valuable welcome offer
- ✓No foreign transaction fees
- ✓Free checked bag
- ✓Flexible points transfer options
Cons
- ✗Annual fee not waived first year
- ✗Limited cash back options
- ✗Complex points redemption
- ✗No balance transfer offer
- ✗Limited airline lounge access
Expert Analysis
AI Analysis
Citocred AI
The Chase Aeroplan Credit Card is an excellent option for frequent travelers, especially those flying with Air Canada.
Full analysis
It offers valuable features like a high earn rate on Air Canada purchases, no foreign transaction fees, and free first checked bag benefit. While the welcome bonus is attractive, the card charges an annual fee not waived in the first year. Additionally, the lack of a balance transfer offer and complexity in points redemption may be drawbacks for some. Ideal for those looking to maximize their rewards on international travel.
Best for
frequent Air Canada flyers
Avoid if
cashback seekers
AI-generated analysis · Methodology by Harlon Drosghic
frequent Air Canada flyers
cashback seekers
Frequently Asked Questions
Chase Aeroplan Credit Card
What is the annual fee for the Chase Aeroplan Credit Card?
Does the Chase Aeroplan Credit Card have a rewards program?
Does the Chase Aeroplan Credit Card include airport lounge access?
Does the Chase Aeroplan Credit Card include travel insurance?
Who should get the Chase Aeroplan Credit Card?
Is the Chase Aeroplan Credit Card worth it?
The Chase Aeroplan Credit Card provides a set of benefits designed to add genuine value to your financial routine:
Points Program
Aeroplan
Miles Program
Aeroplan
Contactless Payment
Virtual Card
International Acceptance
See 8 benefits not included in this card
- Cashback See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
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Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Free first checked bag on Air Canada flights.
- • No foreign transaction fees.
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.