How to pay your rent with a credit card | Chexy

What is Chexy?

Chexy is a Canadian company offering several options for paying rent to earn rewards or increase your credit score.

Chexy‘s services are aimed at renters who want to:

Earn rewards points by paying their rent with a credit card
Build their credit score with Credit Builder
Automate the rent payment process

Chexy: Pay Rent with a Credit Card and Earn Rewards - chexy rewards rent bills taxes

For several months now, Chexy has also allowed its users to pay bills and taxes by credit card. Additionally, thanks to a recent partnership with Aeroplan, you can get up to 10,000 bonus Aeroplan points with Chexy by linking your accounts and meeting the conditions.

Regardless of the payment type, the usage fees for Chexy are always the same:

1.75% for payments made with Visa or American Express cards
2.5% for payments made with international credit cards (Mastercard or others)

Note that Canadian Mastercard credit cards are not eligible for Chexy.

Chexy – Automate Your Rent Payments

Paying rent by card with Chexy is a three-step process:

Create your account via this link and use code: MILES15 to get $15 off your next payments via Chexy (this code is not valid for one-time payments). Note that the promo code is valid on the first recurring payment only.
Connect your Canadian credit card (or debit card)
Chexy charges the rent to the credit card each month, then transfers the rent money to the landlord according to the payment type selected.

How Do I Use Chexy as a Renter?

To use Chexy to pay your rent, follow the steps below.

Go to the Chexy website, then enter your details to create an account, or log in from your Google account.

Then, once you’ve accessed the Chexy dashboard, choose the type of payment you’d like to make in order to earn rewards:

Recurring payments (rent, car payment, insurance or other monthly bills)
Bill payment
Tax payments

Chexy: Pay Rent with a Credit Card and Earn Rewards - Chexy choose service

After selecting recurring payments, you will need to choose your rent payment method from the following three options:

Interac e-Transfer
Pre-authorized debit
Bill payment

Depending on the chosen method, you will then need to add the details of the person or company receiving your payment, or find the payee in the list if it is a bill payment. The required information varies by payment method; here is what is needed for pre-authorized debit:

Chexy: Pay Rent with a Credit Card and Earn Rewards - chexy payee information en

Chexy must verify your identity using the Plaid authentication service as a security measure. In particular, you’ll need to provide your Canadian telephone number, which will also be used for two-factor authentication.

Once all the information is added, Chexy‘s automation begins, and Chexy will charge your rent to your card three days before the agreed payment date, with a 1.75% fee on your rent amount each month (if your payment is made by credit card).

You will receive an email when Chexy charges your credit card, and another email when the payment has been completed with the landlords. You can also track payments in your Chexy account dashboard.

Chexy: Pay Rent with a Credit Card and Earn Rewards - chexy payment email en

Chexy – Best Credit Cards

There are two interesting strategies for earning rewards with Chexy: unlocking a welcome bonus or getting cash back on your rent.

Earn cash back

Rent payments made through Chexy are categorized as “recurring payments” by credit card issuers. To maximize your benefits, we recommend the Scotiabank Momentum+ Visa Infinite Card, which offers 4% cash back on this category, including your rent payments with Chexy.

For example, if your rent is $1,500 a month, you could earn $720 a year in cash back. Deducting the 1.75% fee, that’s a net return of 2.25% on your rent (or $405 on a $1,500 rent), excluding the welcome offer!

Compare

Scotia Momentum^® Visa Infinite +* Card

Scotiabank Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year; No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $300; + First Year Annual Fee Rebate; Ends Nov 1, 2026

The Scotia Momentum^® VISA Infinite*+ card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite+ card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Legal

1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite+ credit card accounts (the “Accounts”) opened, and any additional cards issued, between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.

Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the Scotia Momentum Visa Infinite+ cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the bonus cash back rate that varies during the Program Cash Back Rate (the “cash back rate”).

The cash back earned under this offer will be credited to your Account, provided it is open and in good standing on the cash back payment date.
1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, or otherwise, in accordance with the Program Terms.
2. Regular Cash Back Rate: Cash back earned at the Program Regular Cash Back Rate may be used as described in the Program cash back.

EXAMPLE: If the Program Regular Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so that all eligible everyday purchases in this category will qualify for a total cash back of 15% during the Promotional Period, on the first $2,000 in purchases. If you make eligible everyday purchases at grocery stores and recurring payments totalling $2,000, the cash back credited to your Account for this category will be calculated as follows:
(1) a Bonus Cash Back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the Regular Cash Back of $80 (4% x $2,000), which will appear on your monthly statements as it is earned.

All other program terms continue to apply during the Offer period.

Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).

The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.

Cancellation of the promotional rate: If we do not receive your minimum payment by its due date shown on your statement twice in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances).

Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.

Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between July 2, 2026, and November 1, 2026.

Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.

Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

4xGroceries
4xBills & recurring payments
4xTelecom
2xGas & EV
2xTransit
2xStreaming
1xAll spending

Value

1st Year Value$1,212

2nd Year Value$408

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 15 days

Travel medical (55-64)Up to $1,000,000 / 15 days

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

To explore your options, read our guide to the best credit cards for recurring payments.

Unlock a welcome offer

Some of the best credit cards for travel rewards, classified as premium, sometimes require a fairly high spending amount to unlock the welcome offer. So using Chexy to pay your rent is a great way to reach that threshold faster.

Some cards, like the American Express^® Aeroplan^®* Reserve Card, generally offer points whose value exceeds the fees charged by Chexy; we estimate the value of an Aeroplan point at 2 cents. With the current welcome offer and the limited-time bonus points offer from Chexy and Aeroplan, it’s a great time to subscribe and use this card for your rent payments.

Compare

American Express^® Aeroplan^®* Reserve Card

American Express Aeroplan

Annual fee: $599
Our valuation: $1,700Milesopedia first-year estimate First-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 85,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Premium Aeroplan Credit Card in Canada. For a limited time, you can earn up to 150,000 Aeroplan points as a welcome bonus (an estimated $2,550 value). With this Card you can earn:

3 points per dollar on purchases made with Air Canada and Air Canada Vacations
2 points per dollar for dining and food delivery purchases
1.25 points per dollar on all other purchases.

Also, as a Cardmember, you get many benefits such as:

Unlimited access to Air Canada Maple Leaf Lounges in North America
The first checked bag free for you and up to 8 companions
An Annual Worldwide Companion Pass
Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.

Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

With this welcome offer for American Express^® Aeroplan^®* Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:

Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month

With this Amex Aeroplan Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.

With this Amex Aeroplan Premium Card, you receive many Air Canada travel benefits, such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada flyers.

With this American Express Aeroplan Card, enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.