[Unlimited Pay Yourself Back Extended] Earn Up To 100,000 Miles With The Aeroplan® Credit Card

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DansDeals will receive compensation if you are approved for a credit card via a link in this post. Terms apply to American Express benefits and offers, visit americanexpress.com to learn more.

Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here!

Update, 12/12/23: The Pay Yourself Back feature of this card of 1.25 cents per point was set to be limited to $625 per calendar year starting 1/1/24, however, the unlimited Pay Yourself Back promotion has now been extended through 6/30/24!

Update, 12/8/23: The 10% transfer bonus on 50K+ transfers from Chase to Air Canada is now a permanent benefit for Aeroplan cardholders. It was previously slated to end on 12/31/23. You can earn up to 25K bonus points per year with this bonus. It fully stacks with other bonuses, like the current 20% bonus for transfers from Chase to Air Canada.

Update, 8/10/23: This card now has a new improved signup offer and the post has been updated below!

Originally posted on 8/16/22:

Earn 100,000 Miles With The Aeroplan® Credit Card, Plus Get A 10% Bonus On Ultimate Rewards Transfers

Signup bonus

If you signup for the Aeroplan® Credit Card you will earn 75,000 bonus points after spending $4,000 in 3 months and another 25,000 bonus points after spending another $16,000 in 12 months from card opening.

With Pay Yourself Back, those are worth at least $1,250 towards all travel expenses, but they can be worth much more as Aeroplan miles.

For most people, that’s a much stronger and simpler offer than the previous offers of a 50K reward certificate and 10 miles per dollar on select spending, or 70k miles after $3k spending, or 60K miles after $4K spend plus 40K after $20K spend.

Annual fee


Welcome bonus terms

  • You can earn the bonus if you are not a current Chase Aeroplan Cardholders and if you haven’t received a new Chase Aeroplan card in the past 24 months.


Typically, all Chase cards are subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months.

However Chase doesn’t always enforce 5/24 rules, especially when new offers come onto the market, though there’s no way to know without trying.

Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.

You can check your credit report for free at the federally authorized annualcreditreport.com to check how many accounts are shows as being open in the past 24 months.

Card earnings

  • 3 miles per dollar on Air Canada flights
  • 3 miles per dollar on groceries
  • 3 miles per dollar on dining
  • 1 mile per dollar elsewhere.
  • There are no foreign transaction fees.

Additionally, you’ll earn 500 bonus miles for every $2,000 spend in a calendar month, up to 1,500 bonus miles on $6,000 of monthly spending.

Pay Yourself Back

Chase Aeroplan Cardmembers can now redeem their Aeroplan miles to pay yourself back for travel purchases on any airline, including hotels, car rentals, cruises, trains, travel agencies, parking, tolls, and much more, at a rate of 1.25 cents per point. Miles can be worth more than that, but that’s a nice feature to have as an option.

As a special promotion for 2023, there is no limit for this redemption option. Starting in 2024, this will be limited to 50,000 miles per calendar year, to pay yourself back for up to $625 of travel per calendar year.

You have 90 days after a charge is made to select to pay yourself back with miles.

Note that this feature is only intended to be used for purchases on this card and transfers from Chase and you may have your card closed for abuse for transfers from other sources.

Free Checked Baggage 

This card allows the primary cardholder and up to 8 additional passengers on the same itinerary to get a free checked bag when flying Air Canada.

Nexus/Global Entry/PreCheck Fee Refund:

It costs $78 to apply for a 5 year TSA PreCheck membership which makes flying pleasant again. Shorter lines, no need to remove your shoes, belt, jacket, or hat. You can keep your laptop and small liquids inside your carry-on. And you go through a good old fashioned metal detector instead of assuming the position in the body scanner.  If you charge it on your card the fee will be refunded.

It costs $100 to apply for a 5 year Global Entry membership which lets you bypass the customs line. If you have Global Entry you also get TSA Pre-Check for free.

NEXUS costs just $50 and includes access to shorter lines when traveling between the US and Canada and air, land, and marine ports. Even though it’s cheaper than Global Entry and PreCheck, it includes those benefits for free. Most cards don’t refund NEXUS, but this card will.

If you charge any of these on your card the fee will be refunded. You can get refunded for this charge once every 4 years.

You can read more more about the differences in this post.

My whole family has Global Entry and it sure makes traveling a whole lot easier!

Aeroplan 25K Elite Status

  • You will get Aeroplan 25K elite status for the remainder of the calendar year after you apply, plus the following calendar year.
  • You will get Aeroplan 25K elite status when you spend $15,000 in a calendar year. The status applies for the remainder of the calendar year after you finish the spending, plus the following calendar year.

Elite benefits include priority call center, waitlisting, seat selection, airport checking, standby, and boarding. 25K elites get 2 free checked bags, free sports equipment handling, 2 lounge passes, 20 eUpgrade credits, 25% bonus miles, parental leave of absence for status extensions, and more.

Level up your Elite Status and more

If you spend $50,000 in a calendar year you will gain a level in elite status for the next calendar year, for example from 25K to 35K, 35K to 50K, 50K to 75K, or 75K to Super Elite. If you are Super Elite you will be able to gift 50K status to another member.

You can read more about status benefits here.

Spend threshold milestones and companion pass

As an unadvertised card benefit, upon spending $100,000, $250,000, $500,000 and $750,000 in a calendar year you’ll earn a 50% off Priority Rewards redemption certificate.

The value of the Priority Rewards will be based on your Air Canada status.

  • 25K/35K elites get 50% off US/Canada awards in coach.
  • 50K elites get 50% off North America awards in coach or premium economy.
  • 75K elites get 50% off systemwide awards in coach or premium economy.
  • Super elites get 50% off systemwide awards in coach, premium economy, or business class.

If you spend a whopping $1,000,000 in a year you’ll get a companion pass that allows unlimited free companion award travel systemwide in any class of service. That pass will be valid for the rest of the calendar year in which you spend the million bucks and for the following calendar year.

That’s an awesome perk, but putting a million dollars on a card isn’t for the masses. And even if it is for you, you need to consider the opportunity cost versus spending on a card like Citi Double Cash that earns 2 or more miles per dollar everywhere. However if you can do all your spending in bonus categories on this card that will be different that just earning 1 mile per dollar and playing catchup to a card that earns 2 miles per dollar.

10% Ultimate Rewards Transfer Bonus

This offer applies to new and existing cardholders!

  • If a Chase Aeroplan cardmember transfers 50,000 or more Chase Ultimate Rewards points in one transaction to Aeroplan, they will receive a 10% bonus. Maximum of 25,000 bonus points per calendar year.
  • The 10% point bonus will post separately. In most cases the 10% bonus points will post within 72 hours of the original transfer, but in some cases, it may take up to seven days for the bonus points to post to the cardmember’s Aeroplan account.
  • The bonus is not cumulative, meaning if you were to transfer 30,000 points and then later transfer 20,000 points, the 10% bonus will not apply.
  • Offer is available until December 31, 2023.

If you, a member in your household, or an authorized user has one of the following Chase cards, you can transfer points into miles:

Chase no-annual fee cards that are fantastic for earning points, but require one of the cards above for points transfers include:

  • Ink Business Cash® Credit Card has a 75K signup bonus and earns 5 points per dollar on cable, TV, telecom, cellular, office supply stores, and gift cards from office supply stores, plus 2 points per dollar on dining and gas ($0 annual fee). Read more here.
  • Ink Business Unlimited® Credit Card has a 75K signup bonus and earns 1.5 points per dollar everywhere ($0 annual fee). Read more here.
  • Chase Freedom Flex has a 20K signup bonus, plus 5 points on rotating categories, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.
  • Chase Freedom Unlimited® has a signup bonus offering 3 points per dollar on up to $20K of spending in your first 12 month, afterwards earn at least 1.5 points per dollar everywhere, 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal, and 3 points per dollar on dining and drugstores ($0 annual fee). Read more here.

The new Aeroplan

You can read more about Air Canada and their updated award pricing here.

There are plenty of bargains and they are committed to keeping an award chart, which is more than US airlines can say!

Aeroplan allows up to 8 members to pool their miles together.

Short-haul awards on partner airlines like United start at just 6,000 miles.

Unfortunately, Air Canada tacks on a C$39 booking fee on all partner awards.

Infant awards in the US/Canada are free and are just C$25 outside the US/Canada.

There are no fuel surcharges for any airline.

Find sample redemptions here.

Spend Threshold

You’ll need to spend $4,000 on this card within 3 months for the 75K bonus and an additional $16,000 for an extra 25,000 miles.

You can pay your federal taxes for a 1.85% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

See this post for more ideas on meeting a credit card spend threshold.

Cardholder benefits

  • Cardholders get discounted Preferred pricing on Air Canada award flights
  • Aeroplan will purchase carbon offsets to reduce the impact of greenhouse gas emissions associated with cardmember travel when they fly Air Canada using an Aeroplan flight reward. This applies to Chase Aeroplan primary cardmembers and travel companions on the same reservation for flight segments with Air Canada, Air Canada Express and Air Canada Rouge.
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Roadside Assistance

Dan’s Quick Thoughts

Clearly, a lot of thought went into making this card appealing for Americans. Even if you want Air Canada miles, they had to create a value proposition to spend on the card instead of earning 1.5-5 miles per dollar spend with the Chase Quinfecta.

Did Air Canada do enough?

I’m not sure.

I’m happy to see Air Canada ditch the award certificate signup bonus.

The Pay Yourself Back benefit is certainly innovative and valuable and now the whole signup bonus is eligible for that.

The elite status earning and level up is innovative, but in a world where you can now spend your way to American elite status, it’s an open question if it will resonate with Americans that don’t travel often on Air Canada.

If you do travel on Air Canada often, then it can be worth keeping the card just for the free checked baggage.

The transfer bonus from Ultimate Rewards is great, though ironically it pushes you to spend more on the Chase Quinfecta. But I sure would love to see Hyatt or United offer something similar! Hopefully it also gets extended past 2023.

The uncapped spending benefits such as triple points on groceries is certainly a nice perk. But is it enough to make it worth opening and using the card for someone who doesn’t typically fly on Air Canada? I’m still on the fence about that, but I’d love to hear your thoughts.

Will you signup for a Chase Air Canada Aeroplan Mastercard?

Leave a Reply

49 Comments On "[Unlimited Pay Yourself Back Extended] Earn Up To 100,000 Miles With The Aeroplan® Credit Card"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


Crickets… no matter how much lipstick they put on this pig, the offer still sux.


I travel to Canada a couple times a year but this offer still sucks. There’s no reason this shouldn’t have been 100K. I’d rather keep my options open to fly with Porter.

Mordechai Nir

Is it worth trying to see if I can get approved even if I am past the 5/24 rule? Or its not worth the hard inquiry on my account?


You can add this: Nexus is free for all children under 18, which is a HUGE saving for a large family.


Where does it say that?


do you think 100k will happen? In a fulfillment of my dans deals education, I just used 6k Aeroplan miles for a last minute $235 ticket that united wanted 15k for.
Thanks Dan!


I fly about three times a year (round trip) from EWR or YUL to TLV. I usually have about two or three suitcases. I’m always flying either United or Air Canada. Is it worth it to get this card or the United Club Infinite Card?


Air Canada has great value booking their partners through their portal. Im excited!


Are you sure that only the primary card holder gets the free luggage? Language on the website is fuzzy. Does cardmembers only mean primary?

Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50 lbs) when travel originates on an Air Canada flight.

El Capitan

With PYB, does it count for Airbnb? This might be a decent replacement for the loss of the Airbnb option with sapphire.


Hey Dan,
I’m a bit confused…
How do you do this?
You charge travel to the Chase Aeroplan card and then pay yourself back in on Aircanada.com?
Or you pay with any chase card and pay back via Chase.com?


Via Chase.com


Interestingly, this time around it does not mention anywhere or anything about the 10% rebate when transferring 50K UR Points or more.


Is there a way to confirm that the 10% UR transfer bonus is still applicable under this offer?


Update – I transferred 50K+ points and I did NOT receive the 10% bonus, even though it appears on the list of benefits for my card. I have been going back and forth with chase via SM over the last month+. Currently they are saying that Aeroplan issues the bonus points and I would need to go through them if there’s an issue. I highly doubt Aeroplan will resolve this issue. It’s a mess.


When does this offer expire?
Which is better, this card or chase united card?
(flying both with united and air Canada constantly)


Who knows.
They both offer a free bag with their respective airlines. If that doesn’t mean anything to you your better off with a Chase ultimate rewards card so you can just transfer to wherever whenever


wish you can get a free bag on united when you book through Air Canada – a game changer for many


Does star alliance silver have any benefits when flying on partner airline


Not really


The 20k spend is a bit high. Is paying taxes by CC limited to the self-employed or can you make payments and thereby reduce/eliminate withholding via a W-4?


I recently got added to an account that shows up on my credit report as a new account and still got approved past 5/24 (if u factor in that card) without needing to call BH


Is this the card with the lowest annual fee that reimburses tsa pre check?


I got Delta silver medallion status (for three months and i can extend it if I meet the requirements, which are not too hard) by matching the AC Earoplan silver status this card gave me


”We’re unable to process your order at this time. Please try again later. Or head back to the Rewards homepage to check out other things you can do with your points.”
got this message after transferring 320k from amex and paying back for travel and i called they said its my account is under review


after 320k transfer bh only a warnimg

Hello B—–,

You have recently converted a significant number of points from a third party rewards program into the Aeroplan® Program and then subsequently redeemed those Aeroplan Points for Pay Yourself Back® on your Chase Aeroplan® Card. Section 6 of the Aeroplan Terms and Conditions provides that “Aeroplan reserves the right, at any time, to impose limitations on the ability of a Member to engage in conversions from a Conversion Program into Aeroplan Points and on the use of such Aeroplan Points upon conversion.”

In accordance with Section 6, Aeroplan has established limitations on the ability of a Member to engage in conversions from a Conversion Program into Aeroplan Points and on the use of such Aeroplan Points for Pay Yourself Back on your Chase Aeroplan Card. Only Aeroplan Points earned under the Aeroplan Program, the Chase Aeroplan Card, and Chase Ultimate Rewards can be used for Chase Pay Yourself Back. All other conversion programs are not allowed to be converted into Aeroplan Points for use with the Chase Pay Yourself Back program.

This email is being sent to inform you that a recent transaction activity performed by you fits the above description. This will be your only warning and if this type of transaction happens again, Aeroplan will take action up to and including closing your Aeroplan account.


they should ditch the AF first year.

Why is this better than the United cards which often waive the AF first year and sometimes also offer 75 miles sign up bonus? Miles can be used to book same partner airlines.


Any clue how long this offer will last? Ideally, I would like to wait two weeks.


I just got this card a couple weeks ago. Any way to get them to match the offer?


Call and ask


update post


if my application is in review, should I wait to call or call right away?


I’d wait a day. My applicstions usually go in to review and are then approved a few hours later


does pay yourself back work for ezpass?




Dan, the three points on groceries are only in the U.S. or also worldwide.


Will I get the new sign-up bonus if I am already an additional cardholder on a Chase Aeroplan card?


the capital one savor one card also gives you unlimited 3 precent cashback on groeceries


”We may apply a maximum amount of points you can use for Aeroplan point redemptions with Pay Yourself Back after June 30, 2024.”


If my math is correct this card is actually part of the Quinfecta and even better than the CSR which gives you 1.5 cents for Chase travel.
Instead of buying travel on Chase travel and getting 1.5 cents per dollar with the CSR, I can buy travel ANYWHERE and pay with the AC card and transfer UR to AC.
With the transfer bonuses and PYB. I would actually get a value of 1.625. and still earn 1 ppp for every dollar spend


Would it be risky to wait until Jan 1st for the extra year of elite status? Would this be a better option instead of the sapphire preferred for a first credit card for my kid? Spends about 20k a yr and would probably downgrade the following year


IF I open a card today will I get the 10% if I transfer right after? Will I be able to get the 10% again in11 days?


Hey Dan I would love to apply for this card thru your link. Where do you see it’s only until 12/31/2023?


If I sign up today will I get the 25k status for 2024 and 2025?


Mentioned this?

Preferred Pricing You, as the primary cardmember will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card. Preferred pricing for flight rewards applies only to flight rewards with Air Canada, not on other airlines.


It’s down to 60,000 now