Is the Chase Aeroplan Card subject to 5/24?

Yes, the Chase Aeroplan Card is subject to Chase's 5/24 rule. This means if you have opened 5 or more personal credit card accounts across any issuer in the last 24 months, your application will likely be denied.

What credit score do I need for the Chase Aeroplan Card?

To be approved for the Chase Aeroplan Card, you typically need an excellent credit score.

Can I get the Chase Aeroplan bonus twice?

The provided facts do not specify a re-application rule for this card's welcome bonus. Always check the current offer terms and conditions directly from Chase for any specific restrictions on earning the bonus again.

What is the annual fee for the Chase Aeroplan Card?

The Chase Aeroplan Card has an annual fee of $95.

How much is the Chase Aeroplan bonus worth?

The current welcome bonus of 85,000 Aeroplan points is estimated to be worth $755 USD, as of June 2026.

Does the Chase Aeroplan Card have foreign transaction fees?

No, the Chase Aeroplan Card does not charge foreign transaction fees.

Chase Aeroplan Card: 85,000 Points Bonus & Value

Q: What is the minimum spend for the Chase Aeroplan Card bonus?

To earn the welcome bonus, you must spend $4,000 on eligible purchases within the first 90 days of account opening.

The Chase Aeroplan Card currently offers a welcome bonus of 85,000 Aeroplan points, valued at an estimated $755 USD, as of June 2026. To earn this bonus, you'll need to spend $4,000 within the first 90 days of account opening. Eligibility is primarily governed by Chase's restrictive 5/24 rule, meaning you generally won't be approved if you've opened five or more personal credit cards across all issuers in the past 24 months. This card is worth considering for those with excellent credit who frequently fly Air Canada or Star Alliance partners and can meet the minimum spend without triggering 5/24.

Current Welcome Bonus & Value

As of June 2026, the Chase Aeroplan Card offers a substantial welcome bonus of 85,000 Aeroplan points. This bonus holds an estimated cash value of $755 USD, making it a compelling offer for those looking to maximize their travel rewards.

Minimum Spend to Earn It

To qualify for the 85,000 Aeroplan points welcome bonus, you must spend $4,000 on eligible purchases within the first 90 days of opening your account. Meeting this requirement is crucial to securing the valuable bonus points.

Who's Eligible?

Applying for the Chase Aeroplan Card requires careful consideration of specific issuer rules and your credit profile:

Chase 5/24 Rule: This card is subject to Chase's notorious 5/24 rule. This means if you have opened 5 or more personal credit card accounts across any issuer in the last 24 months, your application will likely be denied. It's essential to check your recent credit card application history before applying.
Credit Score: Applicants typically need an excellent credit score to be approved for the Chase Aeroplan Card.

Is the Aeroplan Card Worth It?

Deciding if the Chase Aeroplan Card is the right fit for your churning strategy involves weighing its benefits against its costs and restrictions.

Pros:

Generous Welcome Bonus: The 85,000 Aeroplan points offer significant value, especially for those who can redeem them strategically for flights on Air Canada or its Star Alliance partners.
No Foreign Transaction Fees: This card does not charge foreign transaction fees, making it a good option for international travel.

Cons:

Annual Fee: The card carries a $95 annual fee, which is not waived in the first year.
Chase 5/24 Restriction: The 5/24 rule can be a significant hurdle for experienced churners or those who have recently opened multiple cards.
Specific Reward Currency: Aeroplan points are tied to Air Canada's loyalty program, offering less flexibility than transferable points programs like Chase Ultimate Rewards, though they can be valuable for Star Alliance redemptions.

How to Apply

If you meet the eligibility criteria, particularly the Chase 5/24 rule and have an excellent credit score, you can apply for the Chase Aeroplan Card directly through Chase's official website. Always review the most current offer terms before submitting your application.

Alternatives to the Aeroplan Card

If the Chase Aeroplan Card doesn't align with your churning goals or you're restricted by 5/24, consider these other popular Chase cards:

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Aeroplan Card — 85,000 points bonus