Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information about any information on any advertiser product, please visit their website. We receive compensation from some financial institutions listed on this site. Although we are compensated for each approved financial product through our website’s affiliate links, our research and content are based on an objective analysis. †Terms and conditions apply.
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:
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:
Note that Canadian Mastercard credit cards are not eligible for Chexy.
Paying rent by card with Chexy is a three-step process:
Chexy allows you to pay your rent by one of three methods: Interac transfer, pre-authorized debit or bill payment. So make sure your landlords accept one of these three methods before using Chexy.
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:
After selecting recurring payments, you will need to choose your rent payment method from the following three options:
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 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.
For pre-authorized debit, Chexy provides you with the banking information to share with your landlord, so that he can make the changes for the next rent payment. When setting up this new payment process, I advise you to do so at least a week in advance, to allow time to communicate the changes.
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.
Use code: MILES15 to get $15 off your first payment via Chexy by creating your account here (this code is not valid for one-time payments).
Note that the promo code is valid on the first recurring payment only.
There are two interesting strategies for earning rewards with Chexy: unlocking a welcome bonus or getting cash back on your rent.
Rent payments made through Chexy are categorized as “recurring payments” by credit card issuers. To make the most of it, we recommend the Scotia 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!
Tip: By applying for your card now, you can take advantage of the first year with no annual fee and earn your cash back in November 2025. If Chexy is a service you’d like to try out, now’s a good time to try it out for a few months without paying annual credit card fees. That said, the optimal time to buy the card with this strategy is in November.
To explore your options, read our guide to the best credit cards for recurring payments.
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.
Here are some other credit cards that are great for using with Chexy to unlock a welcome offer:
Chexy offers its users the opportunity to reduce their fees with the referral system. For each referred person who signs up for Chexy and completes a first payment, you get $15 added to your Chexy balance to cover fees. Additionally, it’s possible to reach several tiers based on the number of referred people to reduce Chexy fees for the current year:
It is now possible to use Chexy for a wide variety of payments (similar to what PaySimply and Plastiq offer). To learn more, read our article on paying taxes and bills with Chexy.
Chexy also offers its Credit Builder service to help you build your credit score. Chexy sends a report to Equifax, one of Canada’s leading credit bureaus, for each rent payment.
This service, which is included in the service fee, can help anyone trying to increase their credit score, whether they’re newcomers, students, or anyone with a specific goal in mind (buying a home, for example). So it’s a good way to keep your credit report up to date and active by showing positive use.
With a better credit score, you can get a better rate when you apply for a mortgage and save a lot of money over the years. Or be approved for better American Express, Mastercard or Visa credit cards.
If you can use Chexy to pay your rent, it’s a great way to earn points every month and unlock welcome bonuses that stretch over several months. In this article, we’ve outlined our strategy for earning over 100,000 Aeroplan points by paying rent with Chexy.
These include American Express® Aeroplan®* Reserve Card, the American Express Platinum Card®, and numerous other premium cards that require reaching a high annual spending threshold to unlock bonus points.
Having used Chexy to pay my rent, I can confirm that the process is smooth and relatively easy to set up. I also really appreciate the ability to earn Chexy credits through referrals to cover the service fees.
If you’re a renter looking to unlock a welcome credit card bonus with high spending requirements, using Chexy ‘s services will help you achieve your goals.
The most important thing is:
With the generous American Express welcome offers available right now, along with the Chexy and Aeroplan offer to earn up to 10,000 bonus points, now is the perfect time to try Chexy and accumulate rewards for your future travels.
It’s now possible to pay your rent with a credit card in Canada by using Chexy, a Toronto-based company.
Chexy charges a 1.75% fee for paying your rent with a credit card.
To pay your rent with a credit card, you need to register with Chexy. Chexy takes care of charging your rent to your credit card, and setting up the payment process to your landlords. The process is automated, so you never miss a rent payment.
Yes, it is possible to pay your rent by credit card in Canada using Chexy, a Canadian company.
Savings are here (if you don’t see the sign-up form, please click here):
You can change your preferences or opt out at any time by clicking on one of the hyperlinks available at the bottom of each newsletter.
If you are already a subscriber and would like to unsubscribe, you can click on the link at the bottom of any of our e-mails.
