Chase Ultimate Rewards: 20% Transfer Bonus To Aeroplan (1:1.2)

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• Does anybody know if the pay yourself back 200,000 point cap is extended through the end of 2026? Or have those details not been released......

  • not sure

• I am a little confused, please forgive me. "This stacks with 10% card member bonus..". Which card? Aeroplan credit card?

  • Yes the Aeroplan credit card.

• I only have the Aeroplan card, there is no way I can transfer UR to Aeroplan without one of the CSP/CSR/CIP, correct?

  I tried to upgrade a Freedom flex to CSP but CSA said there is no upgrade option for them to choose (only CSR is available).

• I already have over 300K stash. Been doing speculative transfers the past years but not sure I should add more now.

  Can someone enlighten me how you get 1.25c per pt on travels? Is it thru PYB feature? I never use PYB because my miles are exclusively used for mini RTW trips in the past and now long hauls with stopover.

  • With the aeroplan card you can use miles to PYB at 1.25 CPP there is an annual cap of 200k. https://www.doctorofcredit.com/chase-aeroplan-pay-yourself-back-on-travel-purchases-1-25%C2%A2-per-point/

  • the 1.25cpp is when you use the Chase Travel portal to book your travel. When you look up a flight you will see the cash price and the UR point price and assume 1 cent per 1 UR point. For example if you look up a flight and it costs $500 cash price, it will say "$500 or redeem 40000 UR points). The 40000 UR points is equivalent to $400. Therefore $400 x 1.25 = $500. Hopefully this makes sense.

    • Not what he is asking about, see my above comment.

• I transferred 100K and the 20K bonus posted right after the transfer. When does that 10% card member bonus post?

  • It took about 4 days for me last time I did it.

    • How does it stack? So in this example would you get an extra 10k (10% of the 100k)? or 12k (10% of the 120k)?

      • Sadly only extra 10k.

  • Later

• Damn i just spent over 400k points

  • You mean during this promotion or before the promotion?

• I think if there is any card out there worthy of a speculative transfer, it’s this one. Since you can use the aeroplan card at 1.25 c/p on travel, it allows you to take advantage of travel deals you can’t get with the Chase travel portal. At 20% plus 10% bonus, this offers over 1.6 c/p on various, miscellaneous travel expenses including non chain hotels. A solid deal. If you know you’ll travel somewhere in the next year, why not take advantage now? Chances are the bonus won’t be available the month you actually make the plans.

  • *correction exactly 1.625 c/p

    • 250,000/1.625=153,846.154 UR to max the benefit.

      With the new card SUB, the max you will need is 75,000 UR (YMMV) assuming that you get at least 4000 miles from spending in addition to the SUB.

      • Yes you could get two chase Ink cards and earn the 75k sub on both and this would cover $2500 of travel expenses, when transferred to Aeroplan while this 20% bonus is running.

  • Yes, it offers exactly 1.65c/p under this scenario, and this is, imo, one of the best use of credit card points out there.

    No other credit card points come close to giving you a cash payout rate of 1.65c per point (OK it's not cash but covering any type of travel expense is pretty close to a cash payout). It is unfortunate that they now limit it to max $2500 per year.

    • Wouldn't transferring Chase to Hyatt give a better payout?

      • Chase to Hyatt is also a good redemption. I value Hyatt at 1.5c though so Aeroplan PYB at 1.625c is still a better redemption overall, unless you value Hyatt higher than I do.

      • JM,
        There’s always a better payout than 1.6+ c/p. But those choices limit you to a brand. At 1.6+ c/p untethered, it allows you to take advantage of discount offers at third party sites as well as pay for things like car rentals and parking. If you generate large amounts of Chase points, like many of us do, it allows nearly all travel to be truly free, not just flights and hotels.

        • Is this thru PYB feature? I own Aeroplan card but never explore the PYB because almost all my flights are booked with miles except an LCC here and there when no other option. Ditto for the hotels. Mostly BonVoy because I am working to achieve LT Plat (early next year for sure), with some booking.com mixed in when no chains available.

        • Yes PYB. And you could cover your booking.com purchases with PYB, achieving 1.625c per Chase UR.

          Also travel is a broad category. You might be surprised by what counts as travel e.g. Uber, Lyft, (some) hotel restaurants and bars, car rental etc. Check your statement to see what codes as travel.

  • Can P2 be an AU and still receive 10% additional points on their AeroPlan account, given they transfer from their Chase UR account?
    or
    Could P2 change one of their other Chase cards to an Aeroplan card just for this purpose? P2 is currently at 5/24.
    TIA!

    • Waq,
      I just ChaGpt’d your questions. According to it, the answer is negative to both your inquiries.

    • Good question! I don’t know. I never considered a PC from another card if hindered by 5/24. But I’d love to know the answer to that too. Thanks for the thought. Maybe someone here knows.

  • Maybe he meant transferring more than you can PYB (there's a 200K annual limit).

    • Nah, it’s a standard line all bloggers put in.

• I think I am reading this correctly but its saying 11:59 PM EST on 7/17/25. Just trying to time it correctly to get the maximum length on the points.

• What is the "10% card member bonus"?

  • aeroplan card