Aeroplan Credit Card Review (2025): Benefits, Rewards & Value
Dedicated airline card for Air Canada's Aeroplan program with excellent Star Alliance redemptions.
Aeroplan Credit Card Guide
Dedicated airline card for Air Canada's Aeroplan program with excellent Star Alliance redemptions.
ANNUAL FEE
$95
WELCOME BONUS
Up to 100,000 Aeroplan points
POINTS VALUE
~1.5¢ per point for Air Canada and partner flights
TRANSFER PARTNERS
0
Is the Aeroplan Credit Card Worth the $95 Annual Fee?
Ideal For:
- Star Alliance Flights
- Air Canada
- Everyday Spending
Not Ideal For:
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
- Budget-conscious consumers who don't want to pay an annual fee
Value Calculation Example
Here's a conservative estimate of annual value for a typical cardholder who uses most, but not all benefits:
| Benefit | Face Value | Realistic Value | Notes |
|---|---|---|---|
| Welcome Bonus | $100 | $100 | First year only |
| Free first checked bag on Air Canada flights | $100+ | $100 | Estimated value |
| Automatic Aeroplan 25K Status for the first year | $100+ | $100 | Estimated value |
| Annual Fee | -$95 | -$95 | Yearly cost |
| TOTAL VALUE | Varies | Varies | $1,000+ over annual fee |
This calculation doesn't include the welcome bonus value in the first year, which could add significant additional value. Actual value depends on your specific usage patterns.
How to Earn Points
3X on Air Canada
Earn 3X Aeroplan points on Air Canada purchases, including flights, seat upgrades, and vacation packages.
3X on Dining
Earn 3X points at restaurants worldwide, including delivery services and takeout.
3X on Grocery Stores
Earn 3X points at grocery stores (excluding wholesale clubs, superstores, and certain warehouse stores).
1X on Everything Else
Earn 1X points on all other eligible purchases.
Sweet Spot Redemptions
| Route/Redemption | Points Required | Transfer Partner | Notes |
|---|---|---|---|
| US to Europe | 60,000-70,000 points (one-way in business) | Star Alliance partners | Great value on partners like SWISS, Lufthansa, and TAP Air Portugal with no fuel surcharges. |
| US to Japan | 55,000-75,000 points (one-way in business) | ANA | Excellent availability on ANA flights, especially from West Coast airports. |
| Stopover Sweet Spot | Base rate + 5,000 points | Any partner airline | Add a stopover on one-way international awards for just 5,000 additional points, visiting two destinations for slightly more than the price of one. |
Advanced Tips & Tricks
Pro Insider Tips
Maximize Partner Award Space
Search segment-by-segment instead of end-to-end for better results, and use the 'Fewer points' filter to see partner options instead of Air Canada's higher dynamic pricing.
Family Sharing
Pool points with up to 8 family members, making it easier to accumulate enough points for premium redemptions.
Leverage No Fuel Surcharges
Aeroplan eliminated fuel surcharges in 2020, making redemptions more affordable across all partner airlines compared to other Star Alliance programs.
Frequently Asked Questions
How does the welcome bonus work?
The welcome bonus is structured as: 70,000 points after spending $4,000 in the first 3 months, plus 30,000 additional points by earning 3x points on dining, groceries, and Air Canada purchases in the first 6 months (up to 30,000 points).
How long does the 25K status last?
The complimentary Aeroplan 25K status is valid for the calendar year in which you open the account and the following calendar year. After that, you can maintain status through spending ($15,000 in a calendar year requalifies for 25K status).
Can I combine Chase Ultimate Rewards with Aeroplan points?
Yes, Chase Ultimate Rewards points transfer 1:1 to Aeroplan when you have a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred card. This makes it easy to top up your Aeroplan balance or combine points for premium redemptions.
Ready to Apply?
The Aeroplan Credit Card offers exceptional travel benefits and rewards that make it a valuable addition to your wallet. Dedicated airline card for Air Canada's Aeroplan program with excellent Star Alliance redemptions.