Chexy: Pay Rent with a Credit Card and Earn Rewards
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What is Chexy?
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:
- Earn rewards points by paying their rent with a credit card
- Build their credit score with Credit Builder
- Automate the rent payment process
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:
- 1.75% for payments made with Canadian-issued Visa, Mastercard or American Express cards
- 2.5% for payments made with internationally issued Visa, Mastercard or American Express cards
Chexy – Automate Your Rent Payments
Paying rent by card with Chexy is a three-step process:
- Create your account via this link and use code: MILES10 to get $15 off your next payments via Chexy (this code is not valid for one-time payments). Note that the promo code is valid on the first recurring payment only.
- Connect your Canadian credit card (or debit card)
- Chexy charges the rent to the credit card each month, then transfers the rent money to the landlord according to the payment type selected.
How Do I Use Chexy as a Renter?
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:
- Recurring payments (rent, car payment, insurance or other monthly bills)
- Bill payment
- Tax payments
After selecting recurring payments, you will need to choose your rent payment method from the following three options:
- Interac e-Transfer
- Pre-authorized debit
- Bill payment
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.
Once all the information is added, Chexy‘s automation begins, and Chexy will charge your rent to your card four business 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.
Chexy – Best Credit Cards
There are two interesting strategies for earning rewards with Chexy: unlocking a welcome bonus or getting cash back on your rent.
Earn cash back
Rent payments made through Chexy are categorized as “recurring payments” by credit card issuers. To maximize your benefits, we recommend the Scotiabank 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!
- 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
To explore your options, read our guide to the best credit cards for recurring payments.
Unlock a welcome offer
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.
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200$500 deferred bonus, excluded from the first-year estimate and 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”).
Here are some other credit cards that are great for using with Chexy to unlock a welcome offer:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $799 | |||
| $799 | |||
| $199 | |||
| $250 | |||
| $599 | |||
| $120 | |||
| $150 |
Other Chexy Services
Chexy – Referrals
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:
| Level | People referred | Fees |
|---|---|---|
| Base | 0 | 1,75 % |
| Pink | 3 | 1,5 % |
| Gold | 5 | 1 % |
| Elite | 10 | 0,5 % |
Chexy – Bill Payments and Taxes
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 – Credit Builder
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.
Our Review of Chexy
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:
- make sure you pay off your credit card balance in full every month to avoid interest charges,
- and to ensure that the value of the rewards you earn exceeds Chexy’s costs.
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.
Frequently Asked Questions About Chexy
Can I pay my rent with a credit card in Canada?
It’s now possible to pay your rent with a credit card in Canada by using Chexy, a Toronto-based company.
How much does Chexy charge to pay the rent?
Chexy charges a 1.75% fee for paying your rent with a credit card.
How can I pay my rent by 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.
Can I pay my rent with my credit card?
Yes, it is possible to pay your rent by credit card in Canada using Chexy, a Canadian company.
Is paying rent with a credit card worth it?
It depends on what your card earns on that payment. As of September 2026, Chexy charges 1.75% on Canadian-issued cards, or $35 on a $2,000 rent. The payment pays off only if your rewards are worth more than 1.75% of the amount, or if it helps you reach the minimum spend of a welcome offer worth more than the fees paid along the way. Paying off your balance in full every month remains essential: interest wipes out any gain.
Does rent paid through Chexy earn a card's recurring-payment rate?
Not necessarily. Chexy states that rewards come directly from your card issuer, and each issuer decides which transactions qualify for its bonus categories. Some exclude rent, taxes or payments made through a third-party platform. Before counting on a bonus rate, check your card's current terms or ask the issuer how a Chexy payment is categorized.
Can a newcomer to Canada use Chexy?
Yes. As of September 2026, Chexy accepts internationally issued Visa, Mastercard and American Express cards, with a 2.5% fee instead of 1.75%. Chexy's Credit Builder option reports each on-time rent payment to Equifax, with no hard credit check, which helps build a Canadian credit history. Details are on the Chexy page for renters.