Chase Aeroplan Card Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: Chase Bank USA, N.A.
• Card type: Co-branded airline credit card (Air Canada Aeroplan)
• Network: Visa Infinite
• APR: 21.99-28.99% variable on purchases and balance transfers
• Annual fee: 95 dollars
• Rewards: 3x Aeroplan points on Air Canada, dining, grocery; 1x everything else
• Points value: approximately 1.5 cents each in typical Star Alliance redemption
• Free checked bag: primary cardholder on Air Canada operated flights
• 25% rebate on Aeroplan redemptions: on Air Canada flights paid with points
• Intro APR: none
• Balance transfer fee: 5% (minimum 5 dollars)
• Late fee: up to 40 dollars
• Foreign transaction fee: 0%
• Global Entry / NEXUS credit: up to 100 dollars every 4 years
• Status milestone: Aeroplan 25K status with 15,000 dollar annual spend

Source: Chase Aeroplan Credit Card terms, verified 2026-05-13.

Why Aeroplan points often outperform US airline programs

Aeroplan operates as a partner-redemption-focused program rather than a domestic-flight-focused program. Its award chart is more transparent than US legacy carriers’ dynamic pricing models, and short-haul redemptions on Star Alliance partners (Lufthansa, ANA, Singapore Airlines, Turkish, EVA, Air New Zealand, etc.) frequently provide 2-3 cents per point in value.

For US-based flyers who can pivot to Star Alliance metal for international travel, the Aeroplan card’s points typically have higher per-mile value than equivalent United, American, or Delta cards. The Federal Reserve H.15 release tracks prime rate which drives the APR; the redemption-value question is determined by Aeroplan’s award chart, which Aeroplan publishes openly.

Worked scenarios at the Aeroplan APR

Scenario 1: 5,000 dollar balance, 25.49% APR midpoint

• 200 per month: 33 months payoff, 1,492 dollars total interest
• 300 per month: 21 months payoff, 911 dollars total interest
• 400 per month: 14 months payoff, 660 dollars total interest

Scenario 2: 10,000 dollar balance, 25.49% APR midpoint

• 300 per month: 50 months payoff, 4,925 dollars total interest
• 500 per month: 25 months payoff, 2,360 dollars total interest
• 700 per month: 17 months payoff, 1,581 dollars total interest

Scenario 3: Annual fee and benefit value over payoff period

A 5,000 dollar balance at 200/month over 33 months: 1,492 in interest plus 3 years of 95-dollar annual fees = 285 dollars. Gross cost: 6,777 dollars (36% above original). For a cardholder taking 2 Air Canada round trips per year with checked bags (avoiding roughly 240 dollars per year in bag fees) and using the Global Entry credit, benefit value over 3 years is approximately 745 dollars. Net cost: 6,032 dollars (20% above original).

The pillar tool accepts the Aeroplan card APR.

Rewards-versus-interest break-even

The 3x rate on Air Canada, dining, and grocery at 1.5 cents per point translates to 4.5% effective. At 25.49% APR midpoint, monthly interest is roughly 2.12 dollars per 100 of carried balance. The 4.5% rewards on a 100-dollar new purchase covers carrying cost on that same 100 dollars for about 63 days. Beyond that, interest exceeds rewards.

The 1x base rate (1.5% effective) covers carrying cost for about 21 days. Most spending falls in the base category for most cardholders, so the rewards engine cannot outrun the APR on a sustained basis.

When the card math works without a carried balance

For a paid-in-full Aeroplan cardholder:

• Annual fee: 95 dollars
• Free checked bag savings: 70-140 dollars per round trip on Air Canada; 2-3 trips per year cover the fee
• 25% Aeroplan rebate: meaningful on award-flight bookings
• Global Entry credit: 25 dollars annualized value
• 3x on 15,000 dining/grocery spend: 45,000 points = 675 dollars in Star Alliance redemption value

Total annual benefit value for a moderate Air Canada flyer: 500-1,000 dollars vs 95 dollar fee. For Star Alliance loyalists, the Aeroplan card is a high-value paid-in-full card. For revolvers, the APR consumes the benefit.

Use the 25% rebate during payoff

The 25% rebate on Aeroplan flight redemptions on Air Canada applies even if you are carrying a credit card balance, because it’s a benefit of the loyalty card status not the credit account balance. A 35,000-point Aeroplan redemption gets rebated by 8,750 points, effectively saving you 130 dollars in equivalent point value on each round trip booked. Use this benefit even during the debt payoff period.

Avalanche priority

The Aeroplan card APR (21.99-28.99%) sits in the same range as most other Chase co-brand cards. Under the debt avalanche method, prioritize the highest-APR card. If your Aeroplan rate is 27%+, it likely outranks your other Chase products and warrants extra payment focus.

Balance transfer alternatives

The Aeroplan card does not offer 0% intro APR on transfers. For consolidation candidates:

• Chase Slate Edge: 18 months 0%, 3% fee in first 60 days
• Wells Fargo Reflect: 21 months 0%, 5% fee
• Citi Diamond Preferred: 21 months 0%, 5% fee

On a 5,000 Aeroplan balance at 25.49% moved to Slate Edge with 3% fee (150 dollars): 286/month for 18 months, total 5,150. Status quo on Aeroplan: 5,000 + 911 in interest at 300/month over 21 months = 5,911 plus annual fee. Savings: roughly 850 dollars including the avoided annual fee on the original card during the transfer period. The balance transfer calculator handles the precise math.

Spend pivots that maximize point value

If you are paid-in-full and carrying the Aeroplan card primarily for the points, two spending shifts maximize value:

• Use the Aeroplan card for dining and grocery (3x = 4.5% effective)
• Use a paired Chase Freedom Flex during its 5x rotating quarters for that category
• Use the Aeroplan card for all Air Canada bookings (3x plus free bag plus 25% rebate on award flights)
• Use a no-foreign-transaction-fee card for international hotel and ground transportation if you prefer to keep credit utilization low on the Aeroplan card

Downgrade option

Chase typically allows product change from the Aeroplan card to other Chase products via standard product-change procedures. The Aeroplan card has fewer no-fee downgrade siblings than United Explorer (which downgrades to Gateway). For a cardholder no longer using Star Alliance enough to extract value, consider closing after the balance is paid down or product-changing to a no-fee Chase card.

Authoritative sources

• Chase Aeroplan Credit Card Schumer box and terms, Chase Bank USA, N.A., verified 2026-05-13
• CFPB 2025 Consumer Credit Card Market Report, accessed 2026-05-13
• 15 U.S.C. § 1637 Truth in Lending Act, Cornell Law
• Federal Reserve H.15 Selected Interest Rates, accessed 2026-05-13

Sibling Chase co-brand cards

• Chase United Explorer payoff calculator
• Chase Southwest Rapid Rewards Plus payoff calculator
• Chase Marriott Bonvoy Boundless payoff calculator
• Chase IHG One Rewards Premier payoff calculator

Related tools

• Credit card payoff calculator (home), pillar tool
• Credit card payoff by card type, full hub
• Balance transfer calculator
• Avalanche vs snowball method

Frequently asked questions

What is the APR on the Chase Aeroplan Card?

21.99-28.99% variable as of May 13, 2026, per the Chase Aeroplan Card pricing page. The annual fee is 95 dollars. Foreign transaction fee is 0%. The card is a US-issued co-brand of Air Canada’s Aeroplan program, providing access to the program’s competitive Star Alliance award chart and Maple Leaf Lounge eligibility.

What is an Aeroplan point worth?

Aeroplan points typically redeem at 1.5 cents each on Air Canada flights and Star Alliance partner flights, with peak values on premium-cabin international redemptions reaching 2-3 cents. At 1.5 cents, the 3x rate translates to 4.5% effective rewards on Air Canada, dining, and grocery purchases. The 25% rebate on Aeroplan redemptions on Air Canada flights boosts effective value further for frequent flyers.

Does the Aeroplan card include lounge access?

Not directly through the standard 95-dollar tier. The free checked bag on Air Canada operated flights and the 25% rebate on Aeroplan flight redemptions are the headline travel benefits. Maple Leaf Lounge access typically requires Aeroplan Elite status, which is achievable through Aeroplan card spending milestones (typically 100,000+ in qualifying spend per year).

How long to pay off 5,000 dollars on Aeroplan Card?

At 25.49% APR midpoint and 200 dollars per month, payoff takes 33 months and costs about 1,492 dollars in interest. At 300 per month, 21 months and 911 dollars. At 400 per month, 14 months and 660 dollars. Plus 95 dollars in annual fee per year carried. Minimum payment only exceeds 18 years per CARD Act disclosure.

Is the Aeroplan card better than the United Explorer?

Depends on travel pattern. Aeroplan offers higher rewards rates (3x in dining and grocery vs 2x on United) and more valuable points (1.5 cents vs 1.2 cents typical) but a smaller US flight network. United Explorer offers domestic travel scale, more cabin upgrade options, and the same 95 dollar fee. For trans-Atlantic flyers or frequent Star Alliance redeemers, Aeroplan tends to win on point value.