What is the best credit card for non-category purchases in Canada?

It depends on your goals. A card with a good fixed rate and flexible points is often ideal.

Do non-category purchases earn points?

Yes. Several cards offer a base rate on all purchases. Otherwise, target those with an unlockable bonus.

Is Chexy worthwhile for non-category purchases?

Yes, if the value of the points earned exceeds the fees charged by Chexy.

Can you pay your municipal taxes with a credit card?

Yes, through platforms like Chexy. This also works for tuition fees, income taxes, and school taxes.

Do you need multiple cards to optimize these purchases?

Not necessarily. A versatile card is often sufficient, but combining it with a card offering a high bonus can be profitable.

Aline Nguyen

Aline, an experienced traveler and avid photographer, is an Avgeek, a foodie at heart and a mother to two children. An expert in credit cards & rewards programs, including Aeroplan, Marriott Bonvoy, American Express Membership Rewards, CIBC Aventura, and RBC Avion, she uses points to travel affordably and save in daily life. Having explored all 7 continents and 83 countries, Aline shares her travel passion and insights to help others make the most of loyalty programs.

All posts by Aline Nguyen