Aeroplan® Credit Card
Basic Information
Program ID: aeroplan-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 18:02
Last Scraped: 01/15/2026 07:39
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $80,000.00
Spending Requirement: $5,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Aeroplan Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air Canada, 3x Grocery Stores, 3x Dining
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Aeroplan points do not expire as long as the Aeroplan account remains active (at least one qualifying activity every 18 months).
Transfer Partners: Star Alliance airlines (e.g., United, Lufthansa, Singapore Airlines) and other airline partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants must adhere to Chase's 5/24 rule, meaning approval is unlikely if more than 5 new personal credit card accounts (from any issuer) have been opened in the past 24 months. Business cards from certain issuers (e.g., Amex, Discover, Capital One) do not count towards the 5/24 total, but Chase business cards do count as an opened account. Additionally, applicants are generally limited to 2 new Chase cards (personal or business) within a 30-day period. Eligibility for the welcome bonus typically requires that the applicant does not currently hold the Aeroplan Credit Card and has not received a new cardmember bonus for this specific card in the past 24 months. These core rules are projected to remain consistent through 2026.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, unusual spending patterns inconsistent with income, high cumulative credit limit across Chase accounts, defaulting on other Chase products, rapid application for multiple Chase cards, or lack of genuine card usage.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent welcome bonus and strong earning rates on Air Canada purchases and dining. Valuable travel benefits like free checked bags, NEXUS/Global Entry credit, and anniversary bonuses make it a great choice for frequent Air Canada flyers.
Top Negative Feedback:
The annual fee can be a deterrent for some, and the card's value is primarily tied to Aeroplan, making it less flexible for those who don't frequently fly Air Canada or use Aeroplan partners.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- United Explorer Card
- American Express Gold Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $799.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 65% General / 35% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 06/10/2024 00:00