New American Express and Chexy Promotion: Earn Up to 12,000 Bonus Points in One Year
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American Express has launched a promotion with Chexy, allowing you to earn up to 12,000 Membership Rewards points or Aeroplan points as a bonus during the promotional period from November 18, 2025, to October 31, 2026. Make your inevitable bill payments meaningful and turn them into a points machine!
Number of Bonus Points to Earn with Amex and Chexy
You can earn between 6,000 and 12,000 bonus points during the year with Chexy, depending on your American Express card type:
- Personal Cards: Up to 6,000 points per year
- Business/SME Cards: Up to 12,000 per year
Here are the eligible cards for personal cards:
- American Express® Gold Rewards Card
- American Express Platinum Card®
- American Express® Aeroplan®* Reserve Card
- Centurion Card from American Express
- Air Canada American Express Card
And for business cards:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $599 | |||
| $599 | |||
| $799 | |||
| $799 | |||
| $250 | |||
| $199 |
How Does this American Express and Chexy Promotion Work?
Use your eligible American Express card to pay a bill of at least $1,000 with Chexy, up to twice per month, and earn bonus points based on the following criteria:
| Card type | Minimum Bill Payment | Bonus points | Maximum Frequency | Maximum Annual Points |
|---|---|---|---|---|
| Personal Cards | $1,000 | 250 points | 2x per month | 6,000 Points (500 x 12 months) |
| Business/SME Cards | $2,000 | 500 points | 2x per month | 12,000 points (1,000 x 12 months |
If you have an American Express Aeroplan co-branded card, you’ll get Aeroplan points. If you have an American Express card that earns Membership Rewards points, you can keep them as is or transfer them to Aeroplan points.
This way, you’ll earn bonus points in addition to the base points you already earn with your card. For example, for two bill payments of $1,000 or $2,000 during one month:
| Card | Payment amount | Base Points Earned | Bonus points | 1.75% Chexy Transaction Fee | Total Monthly Points | Total Annual Points |
|---|---|---|---|---|---|---|
| American Express® Gold Rewards Card | $2,000 | 2 000 ($2,000 x 1 point) | 500 | $35 | 2 500 | 30 000 |
| American Express® Aeroplan®* Reserve Card | $2,000 | 2 500 ($2,000 x 1.25 points) | 500 | $35 | 3 000 | 36 000 |
| Business Platinum Card® from American Express | $4,000 | 5 000 ($4,000 x 1.25 points) | 1 000 | $70 | 6 000 | 72 000 |
We value a Membership Reward point at 1.7 cents per point and an Aeroplan point at 2 cents per point. Therefore, the 2,500 Membership Rewards points from the American Express® Gold Rewards Card have a value of $42.50, which offsets the 1.75% transaction fee or $35.
How to Take Advantage of this Offer for American Express Cardholders?
Since you have to pay your monthly bills, your rent or tuition fees anyway, you might as well take advantage of it to convert them into extra points!
This offer combines perfectly with the 5,000 Aeroplan points welcome bonus offered to new Chexy users.
The 30,000 Membership Rewards points from the American Express® Gold Rewards Card from the example above provide:
- $300 in credit on any of your card expenses
- 30,000 Aeroplan points to fly to several destinations like Nassau, Vancouver, or Mexico
Don’t have an American Express® Gold Rewards Card? No problem. Double your earnings by combining these bonus points with welcome bonus points of up to 60,000 Membership Rewards points. You can easily earn 90,000 Membership Rewards points simply by paying your bills over the course of a year. For once, bills can be rewarding!
And if you are a business owner, combine this offer with the Chexy small business offer, allowing you to earn up to 100,000 Aeroplan points!
American Express® Gold Rewards Card
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card®. That’s a value of $600 for travel or for any purchase charged to the Card:
- 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).
You can also transfer your points to airline partners like Aeroplan, Avios (British Airways, Qatar Airways, Finnair) and Flying Blue, and to hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you could get up to:
- 60,000 Aeroplan points
- 60,000 Avios
- 60,000 Flying Blue Miles
- 72,000 Marriott Bonvoy points
With this Card, you get many benefits, such as:
- $100 annual travel credit
- A Priority Pass membership and 4 annual lounge visits at Plaza Premium
- $50 NEXUS credit
You earn 2 points per dollar on travel purchases, as well as at:
- Gas stations
- Grocery stores
- Drugstores
And 1 point per dollar everywhere else.
As with all American Express Canada Cards, there is no minimum income requirement.
- Annual fee
- $250
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,020Total$1,020Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,020
- Welcome offerAfter $12,000 in 12 months
- Up to 60,000 points
Apply Now
on American Express's website
Apply 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”).
Chexy, American Express and Aeroplan Points
This American Express and Chexy promotion is for you if you have recurring or regular payments. This allows you to increase your points balance without additional effort.
Take advantage now by visiting the dedicated pages:
And don’t forget that this offer combines with your credit card points and other Chexy promotions!
Frequently Asked Questions
How much does Chexy charge for this Promotion?
Chexy charges a transaction fee of 1.75%. These fees can reduce the profitability of the promotion. You therefore need to calculate if the value of the bonus points offsets these costs, but generally, it’s worth it.
Where will the points be deposited?
The bonus points from this promotion will be deposited directly into your American Express account or once a month into your Aeroplan member account.
Can I combine this offer with the Chexy new user bonus of 5,000 points?
Yes, this Amex promotion is compatible with the 5,000 Aeroplan points bonus for new Chexy users. You can therefore benefit from both offers at the same time.
What happens if I have eligible personal AND business American Express cards?
If you own both types of cards, you can potentially earn up to 18,000 points per year: 6,000 with the personal card and 12,000 with the business card, provided you respect the limits of each card.
Can I change cards to get this Chexy promotion a second time?
No. Chexy does not allow it, according to its terms.
For your next Hilton stay, see the Hilton Honors American Express® Card available in Canada and the terms of its current offer.
