Aeroplan Credit Card – How to Apply

By Raquel Oliveira • 04/10/2025

The Aeroplan Credit Card offers No foreign transaction fees and Aeroplan Elite Status upgrade.

With a strong earning potential and premium travel perks, this card is designed to enhance your journey. It offers valuable rewards, elite status advantages, and premium benefits for frequent travelers who want to maximize every trip.

One of its standout features is the ability to earn points quickly. Everyday purchases accumulate rewards, with bonus multipliers in categories like dining, groceries, and Air Canada flights, helping you reach your travel goals faster.

Flexible redemption options allow you to use your points in multiple ways. You can redeem them for flights, hotel stays, seat upgrades, car rentals, or exclusive travel experiences, making this card a versatile and valuable travel companion.

Beyond earning rewards, the Aeroplan Credit Card provides premium perks. Priority boarding, free checked baggage, and exclusive airport lounge access create a smoother, more comfortable, and stress-free travel experience.

How Does the Aeroplan Credit Card Work?

The Aeroplan Credit Card lets users accumulate Aeroplan points on every purchase, allowing travelers to build rewards balances with everyday spending. Bonus multipliers apply to specific categories, making point accumulation even faster for frequent travelers.

Purchases made directly with Air Canada earn bonus multipliers. This makes the card especially appealing for those who often book flights with Air Canada. Significantly increasing the potential to earn more Aeroplan points faster.

Additional rewards apply to dining, grocery shopping, and routine purchases. Even non-travel-related expenses contribute to points accumulation, making the Aeroplan® Credit Card a great option for everyday spending and strategic rewards building.

Beyond earning, redemption options include flights, upgrades, hotels, and rentals. Unlike some travel cards, the flexibility allows users to maximize rewards without restrictive limitations, ensuring greater travel benefits with point redemptions.

Main Benefits of the Aeroplan Credit Card

The Aeroplan Credit Card is packed with valuable advantages, making it an ideal choice for travelers looking to earn rewards and experience premium travel benefits with every trip they take.

• High earning potential for Air Canada flights and select travel-related spending, allowing cardholders to accumulate points rapidly and redeem them for future travel expenses, flight upgrades, and additional perks.
• Complimentary priority boarding and a free checked bag on Air Canada flights, which improves airport efficiency, enhances the overall travel experience, and helps passengers avoid unnecessary baggage fees on every trip.
• Automatic Aeroplan Elite Status upgrade, which provides benefits like access to airport lounges, preferred seating, priority customer service, and seat upgrades, creating a more luxurious and comfortable journey experience.
• No foreign transaction fees, making it an excellent choice for international travelers who frequently make purchases in foreign currencies and want to avoid unnecessary extra costs on international transactions.

Cons of the Aeroplan® Credit Card

• While the Aeroplan® Credit Card provides excellent benefits. There are certain drawbacks to consider before applying, especially for individuals who may not travel as frequently or use the card to its full potential.
• The annual fee may not be worth it for infrequent travelers. Those who rarely fly or use Air Canada services might not benefit enough from the perks to justify the card’s yearly cost.
• The rewards structure is best suited for Air Canada and Star Alliance passengers. If you frequently fly with other airlines, maximizing this card’s benefits may be more difficult or less rewarding.
• Some travel redemptions require a high number of Aeroplan points. Depending on flight availability, premium experiences may require a significant balance, making it challenging to redeem points frequently.
• Although redemption options are flexible, high-demand flights and premium upgrades can be limited. This could impact the ability to book preferred travel experiences exactly as planned using Aeroplan points.

APR and Fees

The Aeroplan Credit Card comes with an annual fee, which is justified by its premium travel benefits. Frequent travelers can offset the cost by utilizing perks like priority boarding, free checked baggage, and accelerated rewards earning potential.

A 0% introductory APR applies to select balance transfers for a limited period. After this promotional phase, a variable APR takes effect, making it essential to carefully review terms before carrying a balance forward.

Unlike many other travel cards, this one does not charge foreign transaction fees. International travelers will appreciate being able to make purchases abroad without incurring additional currency conversion fees, saving money on every international transaction.

Understanding APR and fee structures is crucial for financial management. Responsible card usage helps maximize travel benefits while avoiding unnecessary interest charges. Ensuring you make the most of the rewards program without accumulating costly debt.

How to Apply for the Aeroplan Credit Card

Applying for the Aeroplan Credit Card is a simple process that can be completed online in just a few minutes. The application process is straightforward, and most decisions are given instantly.

To start, visit the official Chase website and navigate to the Aeroplan Credit Card application page. You will need to provide financial and personal details, including income, employment information, and a valid Social Security number.

Once the application is submitted, Chase typically provides an instant decision. If approved, your new credit card will be mailed and should arrive within seven to ten business days from the approval date.

After receiving the card, you can immediately begin earning Aeroplan points. Using the card for everyday purchases allows you to accumulate rewards faster, maximizing travel benefits and premium perks efficiently.

Conclusion

The Aeroplan Credit Card offers a compelling mix of premium travel benefits, competitive rewards, and valuable savings on foreign transactions, making it an excellent choice for frequent travelers.

While the annual fee may seem significant, it is easily offset by perks like priority boarding, free checked bags, and accelerated points accumulation, especially for those who travel regularly.

Careful management of balances and understanding of APR terms are essential to fully enjoy the card’s advantages without incurring unnecessary interest charges.

For travelers seeking a card that combines international flexibility, valuable rewards, and premium experiences, the Aeroplan Credit Card stands out as a smart and rewarding option.