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BECU Cash Back Credit Card vs Chase Aeroplan Credit Card
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the Chase Aeroplan Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Aeroplan Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the BECU Cash Back Credit Card's. Get the Chase Aeroplan Credit Card first; revisit the BECU Cash Back Credit Card after you've earned that bonus.
| Feature | BECU Cash Back Credit Card | Chase Aeroplan Credit Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | 75,000 bonus points |
| Bonus value (est.) | $200 | $1,125 |
| Min spend to unlock bonus | $2,000 in 3 mo | $4,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | aeroplan |
| Headline benefits |
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Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
Chase Aeroplan Credit Card
$95/yr · 75,000 bonus points
Editorial take: Chase Aeroplan Credit Card
Aeroplan is one of the best Star Alliance programs for sweet-spot redemptions. This card is a great way to earn Aeroplan miles directly, plus the UR transfer option gives flexibility.
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or Chase Aeroplan Credit Card?
- The Chase Aeroplan Credit Card has the bigger bonus, 75,000 bonus points, worth roughly $1,125, versus $200 cash back after $2,000 spend in 3 months (~$200) on the BECU Cash Back Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the Chase Aeroplan Credit Card?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the Chase Aeroplan Credit Card's $95 fee is justified by its perks. If you'll use enough of the Chase Aeroplan Credit Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and Chase Aeroplan Credit Card?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the Chase Aeroplan Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. Chase Aeroplan Credit Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.