Welcome Bonus<\/strong> Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/div>\n <\/div>\n \n Aeroplan^{\u00ae<\/sup> Credit Card<\/strong>\n}Welcome Bonus<\/strong> Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/div>\n Annual Fee:<\/strong>$95<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The Aeroplan^{\u00ae<\/sup> Credit Card earns 3x points on grocery, dining, and Air Canada direct purchases. Cardholders receive 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month), and earn a 10% bonus on Chase Ultimate Rewards point transfers to Aeroplan, enhancing point value. The card includes a free first checked bag for up to eight people on the same reservation, no foreign transaction fees, and a Global Entry\/TSA PreCheck^{\u00ae<\/sup>\/NEXUS fee credit. <\/div>}}
\n\n\n
Earn 75,000 bonus points<\/li>
Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/li>
$95 Annual Fee<\/li>
Redeem points for both international and domestic flights with the Aeroplan® Credit Card.<\/li>
Fly to another continent and travel the world with the Aeroplan® Credit Card.<\/li>
Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.<\/li>
500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.<\/li>
Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div>
\r\n
3x points directly with Air Canada<\/li>\r\n
3x points on dining, including takeout and eligible delivery services<\/li>\r\n
3x points at grocery stores<\/li>\r\n
1x point on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n
Page Contents<\/p>
Pay Yourself Back With the Aeroplan^{\u00ae<\/sup> Credit Card<\/a>}
Travel purchases<\/a><\/li>
Annual fee<\/a><\/li>
Dining, groceries, and gas stations<\/a><\/li><\/ul><\/li>
Does It Make Sense to Pay Yourself Back Using Aeroplan Points?<\/a><\/li>
Bottom Line<\/a><\/li><\/ul><\/div>\n\n
Pay Yourself Back With the Aeroplan^{\u00ae<\/sup> Credit Card<\/span><\/h2>\n}
With the Aeroplan Card<\/a>, you can use Pay Yourself Back for four categories: travel purchases, the card\u2019s annual fee, dining, groceries, and gas stations. Here\u2019s a closer look at each option.<\/p>\n
Travel purchases<\/span><\/h3>\n
Aeroplan<\/a> points are worth 1.25\u00a2 each when redeemed through Pay Yourself Back for eligible travel purchases. For example, if you want to cover a $100 flight, hotel, or rental car, you\u2019d need to redeem 8,000 points to receive a $100 statement credit.<\/p>\n
This option was previously unlimited, but Chase imposed a cap starting in 2025. Now, you can redeem up to 200,000 points per calendar year toward travel, which equals up to $2,500 in statement credits.<\/p>\n
To redeem this way, you must manually request a statement credit within 90 days of the transaction and no later than December 31, 2026 <\/strong>— although it may be extended further.<\/p>\n
$\"Air$ Credit: Fabian N.\/Unsplash<\/em><\/enter><\/figure>\nAnnual fee<\/span><\/h3>\n
In addition to covering travel purchases, Aeroplan Card holders can also redeem points at 1.25\u00a2 each to offset the card\u2019s annual fee. At that rate, it takes 7,600 Aeroplan points covers the full cost of the card\u2019s $95 annual fee.<\/p>\n
While that may seem like a relatively small number of points, it\u2019s still worth thinking about the potential travel value those points could unlock if used for award travel.<\/p>\n
Dining, groceries, and gas stations<\/span><\/h3>\n
Wouldn't it be nice to dine out, grab groceries, or fill up your tank without paying out of pocket? With Pay Yourself Back, that\u2019s possible. You can redeem Aeroplan points at 0.8\u00a2 each toward eligible dining, gas station, and grocery purchases (excluding Walmart and Target). That means 12,500 points covers a $100 charge.<\/p>\n
It\u2019s not the most valuable way to redeem your points, but it\u2019s worth keeping in your back pocket if you need to use it.<\/p>\n
$\"a$ Credit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nDoes It Make Sense to Pay Yourself Back Using Aeroplan Points?<\/span><\/h2>\n
Of the four ways to redeem Aeroplan points through Pay Yourself Back, two stand out. Travel purchases and covering the Aeroplan Card<\/a> annual fee both offer a respectable 1.25\u00a2 per point. That's far better than the 0.8\u00a2 per point you\u2019ll get for dining, groceries, or gas stations.<\/p>\n
That said, unless you're sitting on a mountain of Aeroplan points or really value the flexibility of covering eligible charges, you\u2019re probably better off redeeming for award flights. That\u2019s because flights often offer significantly more value per point.<\/p>\n
$\"Air$ Credit: Larry Nalzaro\/Unsplash<\/em><\/enter><\/figure>\n
For context, here\u2019s a look at what AwardWallet users have recently received for their Aeroplan redemptions, broken down by cabin:<\/p>\n
\n
International business class:<\/strong> 2.63\u00a2 per point<\/li>\n
Domestic\/regional business class:<\/strong> 2.56\u00a2 per point<\/li>\n
International economy class:<\/strong> 1.28\u00a2 per point<\/li>\n
Domestic\/regional economy class:<\/strong> 1.21\u00a2 per point<\/li>\n<\/ul>\n
As you can see, some redemptions offer more value than others. Economy flights typically don\u2019t deliver as much value as business class, so if you\u2019re looking at booking an economy award, it\u2019s worth doing the math. Try to compare the value you\u2019d get redeeming Aeroplan points for the flight versus booking it outright and using Pay Yourself Back at 1.25\u00a2 per point.<\/p>\n
In short, sometimes it\u2019ll make a lot of sense to use Pay Yourself Back; other times, the juice might not be worth the squeeze. It really comes down to how you personally value your Aeroplan points.<\/p>\n
Related: All About the 45+ Airlines You Can Book Using Aeroplan Points<\/a><\/strong><\/p>\n
Bottom Line<\/span><\/h2>\n
One of the neat features of the Chase issued Aeroplan Card<\/a> is that it\u2019s eligible for Pay Yourself Back. This lets you redeem Aeroplan points to cover certain charges at a fixed rate, either 0.8\u00a2 or 1.25\u00a2 per point, depending on the category.<\/p>\n
That said, unless you\u2019ve got more Aeroplan points than you know what to do with or you really value the dollar savings, you\u2019re probably better off using your points to book aspirational award itineraries<\/a>. That\u2019s where Aeroplan points typically deliver the most value.<\/p>\n
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Aeroplan^{\u00ae<\/sup> Credit Card<\/div>\n}
$\"Aeroplan\u00ae$ <\/div>\n
Apply Now<\/a><\/div>\n
Rates & Fees<\/a><\/span><\/div>\n
Welcome Bonus<\/strong> Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/div>\n <\/div>\n \n Aeroplan^{\u00ae<\/sup> Credit Card<\/strong>\n}Welcome Bonus<\/strong> Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/div>\n Annual Fee:<\/strong>$95<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>
The Aeroplan^{\u00ae<\/sup> Credit Card earns 3x points on grocery, dining, and Air Canada direct purchases. Cardholders receive 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month), and earn a 10% bonus on Chase Ultimate Rewards point transfers to Aeroplan, enhancing point value. The card includes a free first checked bag for up to eight people on the same reservation, no foreign transaction fees, and a Global Entry\/TSA PreCheck^{\u00ae<\/sup>\/NEXUS fee credit. <\/div>}}
\n\n\n
Earn 75,000 bonus points<\/li>
Limited Time Offer: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.<\/li>
$95 Annual Fee<\/li>
Redeem points for both international and domestic flights with the Aeroplan® Credit Card.<\/li>
Fly to another continent and travel the world with the Aeroplan® Credit Card.<\/li>
Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.<\/li>
500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.<\/li>
Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div>
\r\n
3x points directly with Air Canada<\/li>\r\n
3x points on dining, including takeout and eligible delivery services<\/li>\r\n
3x points at grocery stores<\/li>\r\n
1x point on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n
Like many other Chase cards, the Aeroplan\u00ae Credit Card participates in Pay Yourself Back. Through this program, you can redeem Aeroplan points for eligible charges and get up to 1.25\u00a2 in value per point. Here\u2019s a quick overview of how Pay Yourself Back works with the Aeroplan Card and which types of charges you can cover with your points.<\/p>\n","protected":false},"author":80,"featured_media":217177,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12771,12520],"coauthors":[36432,36387],"class_list":["post-93025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-aeroplan","tag-card-benefits"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/93025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=93025"}],"version-history":[{"count":37,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/93025\/revisions"}],"predecessor-version":[{"id":242937,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/93025\/revisions\/242937"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/217177"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=93025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=93025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=93025"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=93025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

Pay Yourself Back With the Aeroplan\u00ae<\/sup> Credit Card<\/span><\/h2>\nWith the Aeroplan Card<\/a>, you can use Pay Yourself Back for four categories: travel purchases, the card\u2019s annual fee, dining, groceries, and gas stations. Here\u2019s a closer look at each option.<\/p>\n

Pay Yourself Back With the Aeroplan^{\u00ae<\/sup> Credit Card<\/span><\/h2>\n}
With the Aeroplan Card<\/a>, you can use Pay Yourself Back for four categories: travel purchases, the card\u2019s annual fee, dining, groceries, and gas stations. Here\u2019s a closer look at each option.<\/p>\n