Aeroplan Credit Card by Chase: 3X Air Canada, dining. $95 annual fee. 60,000-point welcome bonus. Rates and credits verified from issuer pages.
The Aeroplan Credit Card is Chase's mid-tier credit card. The $95/yr annual fee includes a 60,000-point welcome bonus after spending $3,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$840. Annual statement credits: $0. Minus the $95 annual fee = ~$745 in year-one net value before any spending earn.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
60,000 points after spending $3,000 in the first 3 months. At our ~1.4¢/pt valuation, that's roughly $840 in real value.
Year-one math: welcome bonus value (~$840) + annual credits ($0) − $95 fee = ~$745 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.