Aeroplan and Chexy: Earn Up to 5,000 Bonus Points and Enter the 100,000 Points Contest
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In April, Aeroplan announced a multi-year partnership with Chexy, a Canadian fintech company that allows members to earn points on their everyday expenses.
Before Chexy, it wasn’t possible to earn points on major expenses like rent, since these payments couldn’t be made by credit card. For other types of payments, such as taxes and government bills, you previously had to use services like Plastiq or PaySimply. Now, Chexy offers this service for Visa and American Express cards.
Thanks to this partnership, Aeroplan members can now earn Aeroplan points on their largest expenses!
To celebrate, Chexy and Aeroplan are launching an exciting offer that lets you earn even more points, available until January 31, 2026.
Aeroplan and Chexy – Promotion
This promotion lets you earn up to 5,000 Aeroplan points simply by managing your regular bill payments. Please note: you must activate your first Chexy payment during this period to be eligible, as just creating an account is not enough.
- Welcome Bonus of 1,000 Points: Create a Chexy account, link your Aeroplan account, and make your first payment during the offer period.
- Spending Bonus of 3,000 Points: Pay $3,000 in bills within 90 days of your first payment (Chexy fees excluded).
- Loyalty Bonus of 1,000 Points: Make at least one payment per month for 12 consecutive months.
Additional Offer
Aeroplan and Chexy also have a referral offer.
Take advantage of the referral bonus and earn up to 10,000 points. You’ll receive 1,000 points for each person you refer (up to a maximum of 10 people), as long as they make their first payment during the offer period. Plus, this bonus stacks with the existing $15 referral bonus.
Featured
- Annual feeNo annual fee the first year
- $0 $139
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,139
- Welcome offerAfter $12,000 in 12 months
- Up to 50,000 points
Apply Now
on TD's website
Chexy Contest – Win 100,000 Aeroplan points
Turn your daily payments into your next getaway with the Chexy Contest – Win 100,000 Aeroplan points!
From October 21 to December 1, 2025, Chexy users can earn points while paying their bills and get a chance to win up to 100,000 Aeroplan points. Three winners will share a total of 200,000 points:
- 1st draw: 100,000 Aeroplan points
- 2nd draw: 70,000 Aeroplan points
- 3rd draw: 30,000 Aeroplan points
Winners will be randomly selected on December 12, 2025, and their points will be deposited into their Aeroplan account within 60 days of selection.
To enter, simply make CAD 500 in new eligible bill payments (before taxes and fees) with Chexy. Every CAD 500 increment equals one entry into the contest, with no limit on the number of entries you can earn.
The more bills you pay, the higher your chances of winning. Plus, you’ll receive a bonus entry for every friend you refer who makes their first payment of CAD 500 or more.
Please note, only new payments made via Chexy count towards the contest.
Only payments meeting the following criteria are eligible:
- Any bill not previously paid with Chexy,
- Payments made in your name or your business’s name,
- Fully processed payments of CAD 500 or more,
- Reactivation of old inactive payments.
Bills already paid via Chexy, modified or replaced payments, pending, failed, or refunded transactions, as well as fictitious or circular payments created solely to enter the contest are not considered.
Chexy
Chexy is a Canadian company that allows you to use your credit card to make payments typically made by electronic transfer, Interac e-Transfer, or direct debit. Thanks to the services offered by Chexy, you can currently pay:
- Your rent
- Your recurring bills: insurance, municipal and school taxes, etc.
- Your taxes
- Your insurance and utilities
- Your childcare and education services: tuition fees, private school, daycare, etc.
Chexy allows its users to earn points and rewards on every dollar spent on these types of payments.
Read our complete guide to Chexy to learn more about their services.
Aeroplan and Chexy – Strategies for Maximizing Your Points
If you’re interested in paying rent with Chexy, read our guide that explains how to earn over 80,000 Aeroplan points with Chexy.
Aeroplan Credit Cards
Aeroplan co-branded credit cards let you earn points on every dollar you spend. Since payments made through Chexy are considered recurring bill payments, you can earn up to 1.25 Aeroplan points per dollar with these cards:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $599 | |||
| $599 | |||
| $599 |
Our Advice
Chexy charges a 1.75% fee, which is why it’s important to carefully choose the credit card you use with their service.
To get the most out of it, we recommend:
- Calculate the cost/benefit ratio, taking Chexy service fees into account
- Choose a premium Aeroplan credit card to maximize your points earnings
- Take advantage of launch and promotional offers as soon as possible
This can also be a good opportunity to unlock a credit card welcome offer that requires higher spending, by paying your taxes or rent. For example, by paying $2,000 in rent per month, it’s possible to accumulate a total of 24,000 points per year ($2,000 x 12 months x 1 Aeroplan point earned per dollar spent) with the TD® Aeroplan® Visa Infinite* Card, or 30,000 points ($2,000 x 12 months x 1.25 Aeroplan points earned per dollar spent) with a premium card like the American Express® Aeroplan®* Reserve Card.
Combined with welcome offers, this will earn you enough points for round-trip flights to many destinations. Check out our guide to 10 destinations to fly to with 55,000 Aeroplan points to find inspiration for your next trip.
Bottom Line
While you’re paying bills, you might as well earn points!
With this new promotion, the partnership between Aeroplan and Chexy gives you an extra way to reach your rewards goals faster and redeem for travel or flight rewards. When combined with other partnerships like Uber, LCBO, or the Aeroplan eStore, it becomes even easier to earn enough points to redeem for flights with over 45 airlines to more than 1,300 destinations.
To learn more about Chexy, check out our ultimate guide to Chexy as well as our guides on what they offer:
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Plus $500 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,200
- Welcome offerAfter $7,500 in 3 months
- Up to 85,000 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”).