Chase
Aeroplan Credit Card
Annual Fee
$95
Bonus Value
$980
Min Spend
$3K/3mo
Current Welcome Offer
70,000
Aeroplan Points — worth ~$980
Spend $3,000 in 3 months
Elevated offerLive verified
Checked May 14 · Confidence 55%
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Historical Intelligence
Offer history & timing
Current
70,000
Average
70,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 70,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$1,107 net first-year value
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 70,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Value
First-year value estimate
Conservative
+$827
65% benefit utilization, minimal travel redemptions
Realistic
+$1,107
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,387
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $360/yr in benefits
🛫airline credit
Free Checked Bag
$60/use
First checked bag free on Air Canada-operated flights for cardholder and up to 8 companions.
Air Canada-operated flights; cardholder + up to 8 companions
⭐status
Aeroplan 25K Status Boost
$100/yr
Eligible card spend counts toward Aeroplan 25K Elite Status qualification.
🛡️insurance
Trip Cancellation/Interruption Insurance
$200/yr
Up to $1,500 per person in trip cancellation or interruption coverage.
Travel purchased with card
Live Data
Verified issuer data
Last verified: May 14, 2026
low confidenceEstimated Net Annual Value
$705
after annual fee
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Compare with
Popular side-by-side comparisons.
Fit assessment
Best For / Not Best For
Best For
- Frequent travelers who want to maximize points on flights and hotels
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
70,000 Aeroplan Points
Last verified
May 12, 2026
31 days ago
Annual fee
$95/year
Alternatives
Consider these cards instead
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United Explorer
Similar tier card from Chase worth comparing.
$95/yr
80,000 pts
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United Quest
Step-up option with more premium benefits for heavy travelers.
$250/yr
90,000 pts
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SW Priority
Step-up option with more premium benefits for heavy travelers.
$149/yr
75,000 pts
View review
FAQ
Frequently asked questions
What's the current Chase Aeroplan welcome bonus?
70,000 Aeroplan Points after spending $3,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Chase Aeroplan worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$980 estimated cash value) plus tracked statement credits typically cover the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What airport lounge access does Chase Aeroplan include?
Chase Aeroplan includes paid day-pass lounge access (not free entry). Lounge networks differ significantly between issuers — Centurion is Amex-only, Sapphire Lounges are Chase-only, Capital One Lounges are Cap One only. Pick the card whose network actually exists at the airports you fly through.
Does Chase's 5/24 rule apply to Chase Aeroplan?
Yes. Chase Aeroplan is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
What credit score do I need for Chase Aeroplan?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Chase Aeroplan's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on Chase Aeroplan and Chase
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Aeroplan: The Complete 2026 Program Guide
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Aeroplan Credit Card
Current offer: 70,000 Aeroplan — worth ~$980
View Official OffersChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Chase Aeroplan
70,000 Aeroplan offer