Strategy: How to Earn Over 80,000 Aeroplan Points With Chexy
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Wondering if the Chexy Aeroplan offer is worth it? In this article, we explain how it’s possible to earn over 80,000 Aeroplan points simply by paying your rent with the right credit card.
What is the Chexy Aeroplan partnership?
Chexy is an innovative Canadian platform that is revolutionizing the way we pay our recurring bills such as rent, taxes, and many other bills. Founded to fill a specific market need, this fintech allows consumers to settle their fixed expenses by credit card, even when providers traditionally only accept bank transfers or checks.
The platform allows its users to make a wide variety of payments, including:
- Residential and commercial rent
- Utility bills (electricity, gas, internet)
- Condominium and property management fees
- Various professional service bills
The benefits of the partnership with Aeroplan
In June, Chexy and Aeroplan announced a partnership with a limited-time offer that allows Chexy users to earn bonus Aeroplan points on recurring payments made through the Chexy platform. The offer was subsequently extended until September 15, 2025.
You can earn up to 10,000 Aeroplan points to redeem for Air Canada flights by completing the following actions:
- Earn 2,000 points when opening a new Chexy account by making a first payment before September 15, 2025
- Earn 1,000 Aeroplan points after the 12th consecutive monthly payment
- Earn 5,000 Aeroplan points after making $5,000 in payments within six months of activating the first payment
- Earn 500 Aeroplan points starting from the second payment and with each subsequent recurring payment, for a total of four payments and 2,000 bonus points
- All payments must be a minimum of $50 to be eligible
Optimize this strategy with the American Express Gold Rewards Card
To maximize Aeroplan points and take advantage of this special offer, the idea is to use significant expenses, such as rent, to unlock a welcome offer that requires a certain amount of spending over a given period.
This is the case with the American Express® Gold Rewards Card; its welcome offer is up to 60,000 Membership Rewards points.
When I saw the offer details, it became clear to me that it was perfect for using Chexy to pay monthly rent. Here’s how it’s distributed:
- As a new American Express Gold Rewards Card member, earn 5,000 Membership Rewards points for each monthly billing period in which you charge $1,000 in net purchases to your Card.
- You could accumulate up to 60,000 points in one year.
- 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”).
Rent payment scenario
Let’s say your rent is $1,500. Taking into account Chexy’s 1.75% fee, you’ll be charged $1,526.25 per month. These payments alone will earn you 18,312 Membership Rewards points over one year.
In the first year as an American Express® Gold Rewards Card member, your rent payments will allow you to earn the 5,000 Membership Rewards points from the welcome offer each month, for 12 months, for a total of 60,000 Membership Rewards points.
This represents a total of 78,312 Membership Rewards points with the American Express® Gold Rewards Card, and 10,000 bonus Aeroplan points earned directly through the Chexy Aeroplan partnership launch offer.
All you’ll need to do is transfer these Membership Rewards points to Aeroplan, and you’ll have 88,312 Aeroplan points more than before. Milesopedia estimates that a well-used Aeroplan point has a value of approximately 2 cents per point; this represents savings of $1,766 for your next trip! These points can gain even more value if you find sweet spots in business class with Aeroplan, for example.
Another advantage of the American Express® Gold Rewards Card welcome offer: since points are deposited continuously each month when minimum spending is reached, it’s easy to use a portion of the points for a trip during the first year of card use. In other words, no need to wait until you’ve unlocked the entire bonus to start traveling!
Summary table
| Amex Gold Rewards Card | ||
|---|---|---|
| Month | Base points | Bonus points |
| 1 | 1,526 | 5,000 |
| 2 | 1,526 | 5,000 |
| 3 | 1,526 | 5,000 |
| 4 | 1,526 | 5,000 |
| 5 | 1,526 | 5,000 |
| 6 | 1,526 | 5,000 |
| 7 | 1,526 | 5,000 |
| 8 | 1,526 | 5,000 |
| 9 | 1,526 | 5,000 |
| 10 | 1,526 | 5,000 |
| 11 | 1,526 | 5,000 |
| 12 | 1,526 | 5,000 |
| Total | 78,312 Membership Rewards points |
Are Chexy fees worth it?
To determine whether Chexy’s 1.75% fee is worth it, you need to do the math. Obviously, the fees increase or decrease if your rent is higher or lower than $1,500. But following the previous example, Chexy fees are $26.25 per month, or $315 per year.
To this are added the annual fees of the American Express® Gold Rewards Card, which are $250. However, the Card offers a $100 annual travel credit, which offsets part of the fees, as well as a large number of benefits such as insurance and a Priority Pass membership.
For 78,312 Aeroplan points or the equivalent of at least $1,566 for travel, it’s clearly worth it. However, you must use the points wisely.
The American Express® Gold Rewards Card is not the only card that is advantageous for using Chexy; you just need to find a card that can give you greater value per dollar spent than Chexy’s 1.75% fee. For example, the Scotiabank Momentum® VISA Infinite +* Card offers 4% cash back on recurring payments, meaning all payments made with Chexy.
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia 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.
- $420
- Welcome offerAfter $2,000 in 3 months
- Up to $300 Cash Back
- Ends Nov 1, 2026
Apply Now
on Scotiabank's website
Chexy offers a referral system that allows you to save on fees related to your payments each month. You can reach different levels that allow you to lower these fees, in addition to accumulating dollars to use in your Chexy Wallet to reimburse Chexy fees.
Chexy Aeroplan – Step-by-step process
Paying your rent with Chexy, or even paying other recurring bills, is a fairly simple process. It took me about fifteen minutes to set up the first time, and once everything is in place, the process is automated each month.
I detail the process in our guide on rent payments with Chexy. To take advantage of the Aeroplan offer, you will need to provide your Aeroplan membership number. You will then need to enter the information for the credit card on which you wish to charge the expense.
My recommendation is to complete this process at the beginning of the month, to allow time to notify your landlords about changes to banking information if it is a pre-authorized debit payment.
If you do not yet have the American Express® Gold Rewards Card in your possession when you sign up for Chexy, you can always use another one in the meantime, then change it before the payment is made.
Conclusion
Chexy now allows Canadians to pay rent and bills, taxes, tuition, and much more to accumulate more credit card rewards.
With the current Chexy Aeroplan launch offer combined with the American Express® Gold Rewards Card welcome offer, you can easily earn over 80,000 Aeroplan points by paying your rent for the next 12 months with Chexy.
The Aeroplan launch offer for Chexy ends on September 15, 2025. Now is the time to sign up and claim these bonus points!
- 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”).
Hesitating in choosing the right credit card? Compare the American Express® Gold Rewards Card to the American Express Cobalt® Card here.
Frequently Asked Questions
Is Chexy legitimate?
Yes, Chexy is a Canadian fintech that has been tested and approved by the Milesopedia team and allows you to easily pay your bills and rent using credit cards.
What is Chexy?
Chexy is a Canadian platform that allows you to pay your recurring bills (rent, tuition, utilities) by credit card. It transforms fixed expenses into loyalty point accumulation opportunities.
How does Chexy work?
You schedule your payments on the Chexy platform, which debits your credit card and transfers the funds directly to your creditors. A 1.75% service fee applies when paying with a Canadian Visa or American Express card.
Is Chexy worth it?
Is Chexy safe?
Yes, Chexy uses institutional-grade banking encryption and is regulated as a financial services company in Canada. The platform never stores your credit card information and all transactions are protected by the same security standards as traditional banks.
