Air Canada Aeroplan® Card from Chase: annual fee, APR and rewards

Fact sheet for the Air Canada Aeroplan® Card, issued by Chase, with a $195 annual fee and miles. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Chase
Network	Mastercard
Annual fee	$195 a year
Rewards	Miles: Up to 5X total points per $1 on Air Canada purchases (3X with the card plus an additional 2X from Air Canada as an Aeroplan 25K member); 3X points per $1 on travel purchases; 2X points per $1 at grocery stores and on dining, including takeout and eligible delivery services (3X through December 31, 2026); 2X points per $1 at gas stations; 1X points per $1 on all other purchases
Purchase APR	19.99% to 28.49% variable APR
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.24%, with a range of 19.74% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.