Split offer

Card guide · Air Canada Aeroplan

Chase Aeroplan Card

The Air Canada co-brand earns 3X on all travel and up to 5X total on Air Canada purchases, plus up to $100 in annual Air Canada statement credits, free first checked bags, automatic Aeroplan 25K Status, and 15% off Air Canada flight redemptions.

Entry tier
Airline miles
Air Canada
Aeroplan
Star Alliance
No foreign transaction fee
Free checked bag
Coupon Book 3/5
Keeper Card 4/5

Key card attributes

Issuing bank	Reward currency	Currency type	Network	Annual fee
Chase	Aeroplan Miles	Airline Miles	Mastercard	$195

Closest alternatives

At a glance

The card in three decisions.

The Chase Aeroplan Card is the entry-level Air Canada co-brand at $195. It earns 3X Aeroplan points on all travel purchases and up to 5X total on Air Canada purchases (3X from the card plus 2X from Aeroplan 25K membership), 2X on grocery and dining (3X on grocery through December 31, 2026), and 1X everywhere else. The headline benefits include up to $100 in annual Air Canada statement credits, automatic Aeroplan 25K Status for new cardmembers, free first checked bags for the cardmember and up to 8 companions, and 15% off eligible Air Canada flight redemptions.

For anyone who flies Air Canada across the Atlantic, Pacific, or within North America, the card pairs a strong everyday travel earning structure with up to $100 in annual statement credits, the free checked bag, 15% off flight redemptions, and instant 25K status. The card unlocks upgrade priority and eUpgrade credits as you climb to 35K status via $75K annual spend.

Best fit

Air Canada flyers who want status, free bags, and bonus everyday categories

If you fly Air Canada regularly and spend on groceries and dining, the 3X categories, free first checked bag for up to 9 travelers, and instant 25K status help justify the $195 fee.

Current timing

The split 115K offer is the best this card has carried

75,000 bonus points after $4,000 in 3 months, plus 40,000 more after $20,000 in 12 months—up to 115,000 total. Chase bills it as the card best offer ever; the prior ceiling was 100,000.

Main watchout

Aeroplan 25K Status requires $15K annual spend to maintain in year two

The complimentary 25K Status is for new cardmembers in year one. To keep it in subsequent years, you need $15,000 in annual card spend—achievable as a primary card, but not automatic.

Current and historical offer

The split 115K offer is the strongest this card has carried—the prior ceiling was 100K.

We compare public points offers with public points offers. Referral, branch, targeted and mixed cash-plus-points offers are outside this ladder.

Standard Offer 60,000 points

Standard Offer The long-standard public level ($3,000/3 months) through mid-September 2026.

Occasional Elevated Offer 75,000 points

Occasional Elevated Offer Single-leg elevated offers tracked at $4,000/3 months; also appeared in 75,000+25,000 windows per Doctor of Credit.

Maximum Tracked Offer Up to 115,000 points

Maximum Tracked Offer Green outline marks today's offer: 75,000 after $4,000/3 months plus 40,000 after $20,000/12 months—Chase bills it as the card's best offer ever.

Timing assessment

The split 115K offer is the strongest this card has ever carried.

The Aeroplan Card held 60,000 points after $3,000 for most of its life. Today up-to-115,000 split offer (75K after $4,000 plus 40K after $20,000) clears the prior 100,000 tracked ceiling—apply when you can clear both spend legs. The status, credits, and free bags remain the real recurring value.

Why someone may still apply

Instant 25K status, free checked bags, and bonus grocery/dining earning provide immediate value.

If you fly Air Canada and value status perks and free bags, the card pays for itself with one or two checked-bag round trips, plus ongoing 3X earning on everyday categories.

Up to 115,000 points · $195 annual fee $4,000 + $20,000 required spend

View official Chase offer ↗

Card benefits

Statement credits, Aeroplan status, and free checked bags define the value.

The tiers are a Points Brief editorial assessment of decision importance and rarity among entry-level airline co-brand cards—not labels supplied by Chase.

$100

Up to $100 in annual Air Canada statement credits

Receive up to $50 in Air Canada statement credits delivered twice annually when you make eligible transactions—up to $100 per year toward Air Canada purchases.

$50 delivered twice per year with eligible Air Canada transactions.
Combined with free checked bags, the recurring value clearly clears the fee for regular Air Canada flyers.
We rate Coupon Book 3/5 because the twice-annual credit delivery requires eligible transactions to unlock.

25K

Aeroplan 25K Status for new cardmembers

Receive Aeroplan 25K Status for the first year as a new cardmember, including priority airport services, preferred pricing on Aeroplan flight rewards, bonus eUpgrade credits, and rollover SQM. Maintain in subsequent years with $15,000 in annual net purchases.

Complimentary 25K Status in year one for new cardmembers.
Maintain 25K each subsequent year with $15,000 in annual card spend.
Upgrade to 35K Status with $75,000 in annual card spend, plus PQP credit.
Earn up to 25,000 Status Qualifying Credits (SQC) per year via card spend.

Know the limits: 25K Status is only automatic in year one. Plan for $15K annual spend to retain it—otherwise the status lapses even though the card benefits continue.

Free bag Free first checked bag on Air Canada flights

Free first checked bag for the cardmember and up to 8 companions on the same Air Canada-operated reservation when paid for with the card.

Bag savings add up: two round trips with a companion can offset a meaningful share of the $195 annual fee.

15% FLY15OFF: 15% off Air Canada flight redemptions

Cardmembers with a linked Aeroplan account save 15% on eligible Air Canada flight reward redemptions.

Applies to Aeroplan flight rewards booked with points; a flat discount on every eligible redemption.

$120 NEXUS/Global Entry/TSA PreCheck fee credit

Statement credit up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fees charged to the card.

NEXUS is the natural pick for Air Canada travelers—covers U.S. and Canadian expedited entry.

No foreign transaction fees Travel baseline

No issuer foreign-transaction fee on purchases abroad—useful for spending in Canada and internationally.

Auto rental collision damage waiver Travel baseline

Secondary coverage in the U.S.; primary in most other countries for eligible rentals.

Purchase protection and extended warranty Travel baseline

Coverage for eligible new purchases against damage or theft; extended warranty on eligible items.

Trip cancellation and interruption Travel baseline

Coverage for eligible prepaid travel canceled or interrupted for covered reasons.

Pay Yourself Back for Aeroplan points Redemption

Redeem Aeroplan points as a statement credit toward eligible purchases made with the card within 90 days. Redemption rates are shown at checkout and categories rotate.

Complimentary DashPass year Lifestyle

One year of complimentary DashPass (a $120 value) with unlimited $0-fee eligible deliveries on DoorDash and Caviar when activated by December 31, 2027.

Comparison method: Entry-level airline co-branded cards including Chase United Explorer ($0 first year, then $150) and Chase Southwest Plus ($99); official public pages reviewed in July 2026.

Earning rates

3X on all travel, up to 5X total on Air Canada, 2X grocery and dining; 1X everywhere else.

Rates shown are Aeroplan points per dollar on eligible purchases. Grocery earns 3X through December 31, 2026, then 2X. Merchant coding and Chase terms control.

All travel purchases

Flights, hotels, transit, and other eligible travel booked anywhere—no airline restriction.

3X*

Air Canada direct purchases

Earns 3X from the card; stacks with 2X from Aeroplan 25K membership for up to 5X total when flying Air Canada.

Grocery stores

Eligible grocery store purchases worldwide. Promo: 3X through December 31, 2026.

Dining

At restaurants worldwide, including takeout and eligible delivery services.

All other purchases

One point per dollar on purchases not eligible for a higher rate.

Credit interaction: Aeroplan points are valued at roughly 1.5–2.0 cents each when redeemed for premium-cabin Star Alliance awards. The 3X-all-travel structure makes this a strong everyday travel earner; heavy grocery and dining spenders should note those categories drop to 2X after the December 31, 2026 grocery promo ends.

Air Canada Aeroplan program

A Star Alliance program with published award pricing and strong premium-cabin value.

Aeroplan is the loyalty program of Air Canada and a member of Star Alliance. Aeroplan points can be redeemed for Air Canada flights and Star Alliance partner awards across 26 member airlines. Unlike most U.S. carrier programs, Aeroplan publishes a distance-and-region-based award chart, making redemptions more predictable. Aeroplan points do not expire as long as there is account activity in an 18-month period.

Key benefit

Star Alliance

global network

Aeroplan points access Air Canada plus 26 Star Alliance partners with a published award chart.

Redeem Aeroplan points on Air Canada and partner carriers including Lufthansa, ANA, Singapore Airlines, Swiss, Turkish Airlines, United, and more. Aeroplan publishes award pricing by region and distance—often delivering exceptional value on transatlantic and transpacific premium-cabin redemptions compared with dynamic-pricing U.S. carriers.

Air Canada hubs

Where Air Canada operates the most flights.

Toronto (YYZ)
Montreal (YUL)
Vancouver (YVR)
Calgary (YYC)

Star Alliance partners

Key airline partners accessible with Aeroplan points.

United Airlines
Lufthansa
ANA
Singapore Airlines
Swiss
Turkish Airlines
EVA Air
Avianca