Miles · Mastercard · $95 annual fee
Last verified 2026-09-09. Review issuer source
Chase Aeroplan Card is a $95-a-year miles card from Chase. Its best everyday rates are 3x on dining, and 3x on grocery stores; everything else earns 1x. There is also 3x on Air Canada, a single-merchant rate. Rewards are Aeroplan Loyalty Program miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $146, which clears the $95 fee with $51 to spare before any credits or perks. The welcome bonus, 60,000 miles after $3,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Aeroplan Loyalty Program often enough to use the free checked bag. A general travel card earns points that go more places.
3x points for each dollar spent with Air Canada directly
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
Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months your account is open.
Chase Aeroplan credit cardmembers, get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 Aeroplan bonus points per calendar year.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Reimburses 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.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Credit Journey provides you with personalized insights to help you build, monitor and protect your credit health. Access your weekly score for free anytime, and dive into our resources like our score simulator and score factor breakdown to understand where you stand. We'll alert you of any new activity on your credit report and usage, in order to help detect any potential fraud.*Opens offer details overlay We're here for you 24/7, 365 days a year if you ever need support, and we'll work together to help you get back on your feet.
Get 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.
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.
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.
Receive a statement credit of up to $120 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card.
Need 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.
New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year.*Opens offer details overlay 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.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
You 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.
If 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.
Receive 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.
You won't be held responsible for unauthorized charges made with your card or account information.
These come from Mastercard, not from Chase. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries 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.
More 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.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save 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.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Aeroplan® CardThis card · 3x on dining | $95 | $146 | +$51 | 1035th of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
