Last updated: October 13, 2026
Chase Air Canada Aeroplan cardholders get 10% more Aeroplan points when they transfer Chase Ultimate Rewards to Aeroplan. The transfer has to be at least 50,000 Ultimate Rewards in one transaction. The bonus is capped at 25,000 Aeroplan points per calendar year, which is a full 10% on 250,000 Ultimate Rewards. Chase’s earn-and-redeem page dates the benefit until December 31, 2026.
That is a cardholder benefit. It is the rate on the account today. A separate public Chase-to-Aeroplan bonus of 20%, which could stack with this 10%, ended September 30, 2026. A transfer now earns the 10% when you qualify. It does not earn 30%.
Fifty thousand Ultimate Rewards become 55,000 Aeroplan points. Transfer that only when an award you can already see needs the miles, and the cash you save beats keeping the Ultimate Rewards. Ten percent on a speculative stash is a smaller pile of a less flexible point.
Before you move points: Run your spending through the credit card rewards calculator. A transfer bonus does not fix a wallet that should be earning a different currency.
The benefit, without the fluff
Chase publishes the offer in two places that agree on the numbers and split the detail. The earn-and-redeem page dates it: until December 31, 2026, cardmembers get 10% after transferring 50,000 or more Ultimate Rewards in a single transaction, with a maximum of 25,000 bonus points per calendar year. The offer details on the Aeroplan card page add who receives it and when it posts.
| Detail | What Chase publishes |
|---|---|
| What you get | 10% more Aeroplan points on a qualifying transfer |
| Minimum | 50,000 Ultimate Rewards in one transaction |
| Cap | 25,000 bonus Aeroplan points per calendar year |
| Full cap | 10% of 250,000 Ultimate Rewards |
| Through | December 31, 2026. Chase does not print a clock time on that date |
| Who | The primary cardmember, who also holds an eligible Ultimate Rewards card |
| Where the points land | The primary cardmember’s own Aeroplan account. The card has to be linked to that Aeroplan number |
| Account status | Active and not in default when Aeroplan credits the bonus |
| Who is left out | A transfer into an authorized user’s Aeroplan account, or into anyone else’s |
| Who pays the bonus | Aeroplan. Chase’s transfer screen stays at 1:1 |
| When the bonus posts | In the Aeroplan account within 7 days after the transfer is complete |
| Registration | The published terms do not ask you to register |
The base ratio is still 1,000 Ultimate Rewards to 1,000 Aeroplan points. Air Canada’s conversion page says most transfers finish by the next business day and can take up to 7 business days, move in 1,000-point steps, and are final. The 10% is extra, and it starts only after that base transfer is complete.
Partner transfers need a card that unlocks them. On this site that is Sapphire Preferred, Sapphire Reserve, Sapphire Reserve for Business, or Ink Business Preferred. Freedom and Ink Cash balances move into one of those cards first. The Aeroplan card itself earns Aeroplan points on spend. It does not earn Ultimate Rewards. You need both: the Aeroplan card, linked, and a card that can send Ultimate Rewards to partners. The full partner list is on the Chase Ultimate Rewards transfer partners page.
The transfer bonuses page tracks general bank promotions. This 10% is a cardholder benefit, so it stays off that list.
The public 20% bonus ended September 30
From the terms AwardWallet published on August 12, 2026, Chase ran a separate 20% bonus on transfers to Aeroplan through September 30, 2026 at 11:59 p.m. EST. That page now says the promotion is no longer available. The Points Guy’s current transfer-bonus roundup, updated October 2, still notes the cardholder 10% and does not list a public Chase-to-Aeroplan 20%.
While both were live, AwardWallet’s example was a stack: 50,000 Ultimate Rewards became 60,000 from the public 20%, plus 5,000 from this cardholder 10%, for 65,000 Aeroplan points. That was a 30% result. It ended with the public promo.
The same 50,000-point transfer today, for a cardholder who still qualifies, is 55,000 Aeroplan points. Plan on 55,000. If a screen or a memory still says 30%, the September 30 promo is the thing that changed.
Bonus points this 10% already posted in 2026, including any that stacked with the public 20% earlier in the year, count toward the 25,000 calendar-year cap. Read the Aeroplan activity before you size the next transfer.
What 10% does to a real transfer
The bonus applies to the whole qualifying transfer, not just the points above 50,000. AwardWallet’s 50,000-point example, and the cap itself, both work that way: 10% of 50,000 is 5,000, and 10% of 250,000 is the 25,000 maximum.
Chase moves points in 1,000-point steps. You need about 91% as many Ultimate Rewards for the same award, because 1 ÷ 1.1 is about 0.91. Round the transfer up to the next thousand that still clears 50,000, then stop.
| Ultimate Rewards in one transfer | Aeroplan at 1:1 | Bonus | Aeroplan you receive |
|---|---|---|---|
| 50,000 | 50,000 | 5,000 | 55,000 |
| 100,000 | 100,000 | 10,000 | 110,000 |
| 150,000 | 150,000 | 15,000 | 165,000 |
| 200,000 | 200,000 | 20,000 | 220,000 |
| 250,000 | 250,000 | 25,000 | 275,000 |
Two transfers of 25,000 do not become one transfer of 50,000. Each transaction has to be at least 50,000 on its own. A 40,000-point top-off earns the normal 1:1 and no bonus.
The chart cells this site already uses, from the Sapphire Reserve guide, are a useful size check. They are chart cells, not seats. Partner business class between the U.S. and Europe is 60,000 Aeroplan points one-way under 4,000 miles and 75,000 for 4,001–6,000 miles. The guide also prices a stopover at 5,000 points, which matches the stopover line on Chase’s Aeroplan card page. Confirm the flight is actually there, and read the taxes.
| Award on the screen | Ultimate Rewards that cover it with the 10% | What you save versus a plain 1:1 transfer |
|---|---|---|
| 60,000 Aeroplan | 55,000 (55,000 × 1.1 = 60,500) | 5,000 Ultimate Rewards |
| 75,000 Aeroplan | 69,000 (68,000 × 1.1 = 74,800, which is short, so the next thousand) | 6,000 Ultimate Rewards |
| Two seats at 60,000 (120,000) | 110,000 (121,000 Aeroplan) | 10,000 Ultimate Rewards |
Fifty-five thousand is one transaction, and it clears the 50,000 floor, so the 60,000-point award is the clean case. You move 55,000, wait until 60,500 is visible if you need those miles to ticket, and you have 500 points left.
The cap, and why a small gap earns nothing
The full bonus is 25,000 Aeroplan points. After that, further transfers in the same calendar year are ordinary 1:1. A transfer larger than 250,000 cannot produce more than 25,000 bonus points.
If you have already received part of the 10% in 2026, only the remainder is left. A second transfer still has to be at least 50,000 Ultimate Rewards to qualify, and the bonus stops at whatever is left of 25,000. Chase publishes the maximum. It does not publish a line that shows your remaining room. The Aeroplan account is where the earlier bonus posted, so that activity is the record.
The awkward case is a gap under 50,000. Suppose the award is 60,000 Aeroplan points and you already hold 10,000. You need 50,000 more. A transfer of 46,000 would be under the minimum, so it earns no bonus, and 46,000 at 1:1 leaves you short. The qualifying transfer is 50,000, which becomes 55,000. The award is covered and 5,000 Aeroplan points are leftover. That leftover is the cost of clearing the minimum. It is a reason to transfer 50,000 when you were going to transfer 50,000 anyway. It is a poor reason to transfer 50,000 when the award only needs 8,000.
If the award is 40,000 and the Aeroplan balance is zero, send 40,000 at 1:1. Sending 50,000 to “unlock” the bonus turns 50,000 Ultimate Rewards into 55,000 Aeroplan points you do not need. You spent 10,000 extra Ultimate Rewards to create 15,000 Aeroplan points with no seat attached.
It still has to beat keeping the points
Use the valuations, then use the booking. The Points Guy’s October 2026 valuations, which every MaxPoints tool uses, put Ultimate Rewards at 2.05¢ and Aeroplan at 1.5¢.
Multiply the Aeroplan side by 1.1:
| Per Ultimate Rewards point transferred | |
|---|---|
| Aeroplan at 1:1, valued at 1.5¢ | 1.5¢ |
| This 10% bonus (1.1 Aeroplan points) | 1.65¢ |
| Ultimate Rewards, held for a real redemption | 2.05¢ |
The bonus closes part of the gap and leaves 0.40¢ on the table versus holding the point. Call 50,000 Ultimate Rewards $1,025 at 2.05¢. The 55,000 Aeroplan points they become are $825 at 1.5¢. The award has to save more than $1,025 in cash, after the taxes and fees the ticket still charges, before the transfer beats an average Ultimate Rewards redemption. Scale that by the amount you actually move: $2,050 per 100,000, up to $5,125 at the 250,000-point cap.
Chase Travel is a separate floor, and it is not one number. The Sapphire Reserve guide puts portal redemptions at 1.0–2.0¢, with Points Boost up to 2¢ on select hotels and flights. The Sapphire Preferred guide puts the portal floor at 1¢, Points Boost up to about 1.5¢ on select hotels, and up to 1.75¢ on select premium-cabin flights. Cardholders who opened a Preferred before June 23, 2025 can still redeem points earned before October 26, 2025 at the old 1.25¢ rate through October 2027. Confirm the rate on the booking. A 2¢ Points Boost on 50,000 Ultimate Rewards is $1,000 of travel, which beats the $825 average value of the Aeroplan bonus.
Hyatt is the hotel comparison, and the ratio depends on the card. We walked through the October 1 change in the Chase Hyatt 4:3 guide.
| Use of 50,000 Ultimate Rewards | What you receive | Value at TPG’s October 2026 figures |
|---|---|---|
| Hold them | 50,000 Ultimate Rewards, still flexible | $1,025 at 2.05¢ |
| This bonus | 55,000 Aeroplan | $825 at 1.5¢ |
| Sapphire Reserve to Hyatt at 1:1 | 50,000 Hyatt | $825 at 1.65¢ |
| Sapphire Preferred or Ink Business Preferred to Hyatt at 4:3 | 37,500 Hyatt | about $619 at 1.65¢ |
| Chase Travel at a 1¢ floor | $500 of travel | $500 |
On those averages, Reserve Hyatt and this Aeroplan bonus tie. Preferred Hyatt at 4:3 loses to the bonus. A Hyatt night with an ugly cash rate can reverse either line. Read the cash rate. Averages are the tie-break when you do not have a seat or a room on the screen.
United, Flying Blue, British Airways Avios, and Southwest stay at 1:1 as well. A transfer to Aeroplan closes those doors for the points you moved. You cannot un-transfer.
A seat you can already see
Aeroplan is useful when the award is a partner seat on the screen, on a distance band you have already priced, with the taxes in view. Star Alliance partners are the usual reason to hold the miles. Air Canada’s own flights can price differently from the partner bands. Search the itinerary you will actually fly.
The 60,000 and 75,000 figures above are the chart cells in the Reserve guide. If the flight is not there, the cell is a number on a page. A cash fare of a few hundred dollars, minus a large tax line on the award, can lose to paying cash even after the 10%. Price both.
The posting delay matters when the bonus is what makes the award reachable. The base transfer can take up to 7 business days. Aeroplan then has up to 7 days after that transfer is complete to post the 10%. If the seat only prices out once the bonus arrives, it has to survive both waits. If the base points cover the award, book when they are visible and let the 10% show up as leftover.
The Chase screen will keep saying 1,000 to 1,000 while this is live, because Aeroplan pays the extra. A 1:1 display is what the offer looks like. Wait for the bonus. A second transfer, sent because the first one “only” showed 1:1, moves twice the Ultimate Rewards and still sits on Aeroplan’s clock.
Do not send Chase points through Marriott
Chase already transfers to Aeroplan at 1:1, and this benefit makes the direct path 1:1.1 when you qualify. Routing the same points through Marriott returns fewer miles.
Marriott converts to Aeroplan at 3:1, plus a standing 5,000 miles on a 60,000-point chunk. Aeroplan is also paying 15% on Bonvoy conversions through October 31, 2026. The Marriott to Aeroplan piece puts a 60,000-point chunk at 28,750 Aeroplan points on the reported reading, or 28,000 if the 15% skips Marriott’s 5,000. Covering that chunk with Chase’s 70% Marriott bonus, which itself ends October 15, takes about 36,000 Ultimate Rewards. Sent straight to Aeroplan, those 36,000 points are 36,000 miles. That transfer is under 50,000, so this cardholder 10% does not apply to it, and it still beats the Marriott route. A qualifying transfer of 50,000 Ultimate Rewards becomes 55,000 Aeroplan points, which is the direct path if you needed a larger award. The Marriott path is the long way around, on a slower clock. After October 15 the Chase-to-Marriott ratio goes back to 1:1 and the gap gets wider.
When to transfer
Move Ultimate Rewards only when all of these are true:
- The seat is already priced and bookable. A specific flight, a mileage price, and the taxes beside it. “We usually fly Star Alliance” is not a booking. Space disappears while the bonus is still posting.
- The transfer is one transaction of at least 50,000, or you are sending a smaller amount at 1:1 because the award does not need the bonus. Do not inflate a small gap to 50,000 for a percentage.
- You are inside the cap. Bonus points already posted in 2026 reduce the 25,000. Stop when the next transfer would only earn 1:1.
- The cash you save beats holding the points. More than $1,025 of cash saved per 50,000 Ultimate Rewards to clear TPG’s 2.05¢, after taxes you still pay. Also check the Chase Travel price your account actually shows, and a Hyatt night if that is the trip.
- The miles will land in the primary cardmember’s linked Aeroplan account, and the card will still be active and not in default when the bonus is credited. An authorized user’s account does not qualify.
- You can ticket without the bonus, or you can wait. Base points can take up to 7 business days. The 10% can take 7 days after that. If you need the bonus to reach the award, the seat has to last.
The clean yes: a partner award is on the screen, 55,000 Ultimate Rewards cover it once the 10% posts (or the base points cover it sooner), you have not used up the 25,000 bonus points, the cash fare clears $1,025-plus of value on those points, and the Aeroplan account is yours. Transfer 55,000. Book when the miles you need are visible. Stop.
When to leave the points at Chase
Leave the balance alone when any of these are true:
- Nothing is on the calendar. Moving 250,000 Ultimate Rewards in December to finish the cap, with no award held, trades $5,125 of flexible value for $4,125 of average Aeroplan value (275,000 × 1.5¢). The difference is about $1,000 left behind, and the points are no longer Hyatt, United, or Flying Blue.
- The gap is small. A top-off under 50,000 earns no bonus. Send the exact 1:1 amount, or skip it.
- A portal price or a Hyatt night already wins. Points Boost at 2¢, or a Reserve Hyatt stay with a high cash rate, can beat 1.65¢ of Aeroplan. Read the screen.
- The card is not linked, or the transfer would land in someone else’s Aeroplan account. Fix the link first. The terms exclude every account except the primary cardmember’s.
- You are still choosing which currency to earn. This benefit is a redemption detail for points you already have. It is a weak reason to open a $195-a-year card. Chase’s current Aeroplan card page lists that annual fee. The most the 10% can add in a year is 25,000 Aeroplan points, about $375 at 1.5¢, and only if you transfer the full 250,000. Compare the card with the rest of the wallet in the calculator.
The same December 31, 2026 date shows up on other Aeroplan-card earn rates, and those are spend bonuses, not this transfer. Chase’s earn-and-redeem page pays 3X at grocery stores and on dining through December 31, 2026, then 2X, and 500 bonus points for every $2,000 spent in a calendar month (up to 1,500 points a month) until that date. Gas on that page is 2X. None of those rates change the transfer math.
The verdict
Transfer for a bookable Aeroplan award. Skip it when the seat is a plan for later.
The live offer is 10% on one transfer of at least 50,000 Ultimate Rewards, capped at 25,000 bonus Aeroplan points per calendar year, through December 31, 2026. Fifty thousand Ultimate Rewards become 55,000 Aeroplan points. The Chase screen will still say 1:1. Aeroplan posts the extra within 7 days after the transfer completes. The points have to land in the primary cardmember’s linked account, and the card has to be active and not in default when the bonus is credited.
The public 20% bonus ended September 30, 2026. The 30% stack ended with it. On The Points Guy’s October 2026 valuations, the 10% turns a 2.05¢ Ultimate Rewards point into about 1.65¢ of Aeroplan value. That is a tool for a seat you can already see. It is a poor place to park a balance.
See all active transfer bonuses →.
Keep planning. Building Ultimate Rewards for a trip you have not booked yet? Compare the Sapphire Preferred with the Sapphire Reserve, then run the spending through the credit card rewards calculator.
This article reflects the Chase Air Canada Aeroplan cardholder benefit published on Chase’s earn-and-redeem page and in the card’s offer details: a 10% bonus on one Ultimate Rewards transfer of at least 50,000 points, a maximum of 25,000 bonus Aeroplan points per calendar year, an end date of December 31, 2026, a bonus awarded by Aeroplan within 7 days after the transfer is complete, and eligibility limited to the primary cardmember’s linked Aeroplan account while the card is active and not in default. The public 20% Chase-to-Aeroplan bonus, through September 30, 2026 at 11:59 p.m. EST, is the offer AwardWallet documented on August 12, 2026; that page now marks the promotion unavailable, and The Points Guy’s October 2, 2026 transfer-bonus roundup does not list it. Point values of 2.05¢ for Ultimate Rewards, 1.5¢ for Aeroplan, and 1.65¢ for Hyatt are The Points Guy’s October 2026 valuations, the values every MaxPoints tool uses. They are planning figures, not a rate Chase or Air Canada guarantees. Award prices of 60,000 and 75,000 Aeroplan points are the partner chart cells in our Sapphire Reserve guide, not a promise of space. Base transfer timing is Air Canada’s published window of next business day, up to 7 business days. Confirm the ratio on your Ultimate Rewards transfer screen, the link on the Aeroplan card, and the cash fare, the mileage price, and the taxes on Aeroplan before you move points. Transfers are one-way.
