0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Aeroplan Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Air Canada, 3x Grocery Stores, 3x Dining
Quarterly Rotating: No
Expiration Policy: Aeroplan points do not expire as long as the Aeroplan account remains active (at least one qualifying activity every 18 months).
Point Value: 0.02¢
Travel Portal Multiplier: 0x
Transfer Partners: Star Alliance airlines (e.g., United, Lufthansa, Singapore Airlines) and other airline partners.
Redemption Penalties: Change/cancellation fees may apply for award flights depending on fare class and timing.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING80,000
Points/MilesRequirement: Spend $5,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 28.24%
Balance Transfer APR: 28.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: While the Aeroplan Credit Card does not have specific 'family' bonus restrictions like the Chase Sapphire cards (e.g., 1/48 rule), general Chase application rules (like 5/24) and bonus eligibility restrictions (e.g., 24 months since last bonus for this card) apply. Other Chase card families, such as Sapphire, have their own distinct bonus eligibility rules (e.g., cannot receive a Sapphire bonus if you have any Sapphire card or received a bonus in the last 48 months), which could impact applications for *those* cards.
Special Events: Not applicable for this co-branded credit card.
Holiday Promos: Variable and not specific to this card; typically issuer-wide or general market promotions.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
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:
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: 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
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Jun 10, 2024 00:00