Strategy: How to Earn Over 80,000 Aeroplan Points With Chexy

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.

Compare

American Express^® Gold Rewards Card

American Express Amex Membership Rewards

Annual fee: $250
Our valuation: $1,020Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 60,000 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”).

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 toward travel or 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 such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and 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 would have the choice of earning 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 like:

$100 annual travel credit
Priority Pass membership and 4 complimentary Plaza Premium visits per year
$50 NEXUS credit

You earn 2 points per dollar for travel purchases, and at:

gas stations
grocery stores
drugstores

And 1 point per dollar everywhere else.

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

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American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Annual fee

Primary card$250

Additional card$50

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xPharmacy
2xGas & EV
2xTravel
2xGroceries
1xAll spending

Value

1st Year Value$1,555

2nd Year Value$589

Transfer partners

AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

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.

Strategy: How to Earn Over 80,000 Aeroplan Points With Chexy - Air Canada Aeroplan partners with Chexy to transform expenses

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.

Strategy: How to Earn Over 80,000 Aeroplan Points With Chexy - Aeroplan 1024x538 Chexy

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.

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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).

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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.