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The highest plain-points offer so far. The last 120K offer included a bonus on everyday spend.
- Welcome offer
- Up to 115K points (75K after $4K spend + 40K after $20K spend in 12 mo)
- Best on record
- Up to 120K points incl. spend bonus (2025-11 to 2026-01)
- Annual fee
- $195
- Rewards rate
- 1x-5x Points
- Regular APR
- 19.99%–28.49% Variable
- Recommended credit score
- Good to excellent
- Airport lounges
- No lounge access listed after the Sept 2026 refresh.
- Points go to
- Air Canada Aeroplan. Points go straight into Aeroplan. They can’t be moved to another airline, but you can book Star Alliance partners such as United, Lufthansa and ANA.
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