Aeroplan® Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Aeroplan® Card from Chase earns up to 4.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open..
- Top category
- Dining
- Effective value
- 4.5%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Aeroplan Card earn in each category?
Dining is the strongest category at 4.5% effective value (3x miles at about 1.5 cents each). That dining rate ranks higher than about 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Aeroplan Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x.
Dining is the strongest category at 4.5% effective value (3x miles at about 1.5 cents each). That dining rate ranks higher than about 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Aeroplan Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x miles | 4.5% Top category |
| Grocery Supermarkets and grocery stores | 3x miles | 4.5% |
| Gas Gas stations and fuel | 1x miles | 1.5% |
| Travel Flights, hotels, transit | 1x miles | 1.5% |
| Other General everyday spend | 1x miles | 1.5% |
Madeen values Aeroplan Loyalty Program at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Aeroplan Card reward caps and conditions?
The Aeroplan Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services
- 3x points for each dollar spent at grocery stores
Who should get the Aeroplan Card?
The Aeroplan Card fits spenders who put meaningful volume in dining and can earn 3x miles. Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Aeroplan Card fits spenders who put meaningful volume in dining and can earn 3x miles. Madeen ranks its dining effective rate higher than about 100% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 4.5% effective (3x miles).
- That dining rate ranks higher than about 100% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Aeroplan Loyalty Program value depends on how you redeem, not straight cash back.
What is the Aeroplan Card welcome bonus?
In Madeen's catalog snapshot, the Aeroplan Card welcome offer is Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k Aeroplan Loyalty Program (~$1125 estimated)
- Terms (catalog snapshot)
- Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.
- Minimum spend
- $4,000
- Window
- 3Months
Does the Aeroplan Card have an annual fee?
The Aeroplan Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the Aeroplan Card include?
The Aeroplan Card includes Trusted traveler credit, Free checked bag, 10% bonus on Ultimate Rewards® points transfers, 24/7 Fraud Monitoring and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Global Entry or TSA Pre® or NEXUS Fee Credit - receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card
Free checked bag
Free First Checked Bags - cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight
What benefits come with the Aeroplan Card?
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Trip Interruption Insurance
$5,000/yrYou can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Trip Delay Reimbursement
$500/yrIf your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Mastercard 24/7 Concierge
$150/yrNeed to locate hard to find items or even reserve that perfect table? Our concierge is there to help. To contact the concierge, call the number on the back of your card.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Global Entry or TSA PreCheck® or NEXUS Fee Credit
$120/yrReceive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
Related encyclopedia topics
What annual spend bonuses does the Aeroplan Card offer?
- Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year
- New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year.*Same page link to Offer Details Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada operated flights. Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year
Common questions about the Aeroplan Card
Where do cardholders spend most with the Aeroplan Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the Aeroplan Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Are Aeroplan credit cards worth it?
The Aeroplan® Card from Chase earns up to 4.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open..
Does the Aeroplan Card have an annual fee?
The Aeroplan Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Aeroplan Card?
Dining is the strongest Madeen category for the Aeroplan Card at about 4.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Aeroplan Card charge foreign transaction fees?
The Aeroplan Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Aeroplan Card welcome bonus?
The Aeroplan Card welcome offer in our snapshot: Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months your account is open.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Aeroplan Card compare to similar cards?
Compare the Aeroplan Card against AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee); Chase Freedom Unlimited Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Aeroplan Card This card | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 | |
| Dining | 3% | $95 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure