Chexy is a Canadian company offering several options for paying rent to earn rewards or increase your credit score.
The services of Chexy services are aimed primarily at renters who want to :
When it comes to rewards, Chexy has created a calculator that allows you to see the value you can get by combining the number of points accumulated and Chexy‘s fees.
It’s easy to see that, although debit card fees are lower, this payment method doesn’t earn rewards, unlike credit cards.
Paying rent by card with Chexy is a three-step process:
Please note: This process can only work if your landlord accepts your rent payment as an Interac transfer. If this isn’t the case at present, we’ll need to talk to them to confirm that it’s possible.
Since November 16, 2023, rental payments made via Chexy have been 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 and, therefore, 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!
The Scotia Momentum® VISA Infinite* card is recognized year after year as one of the best cash-back credit cards in Canada.
Currently, there is no annual fee in the first year, including on additional cards. And you can earn 10% cash back on all purchases for the first three months (up to $2,000 in total purchases).
With the Scotia Momentum® VISA Infinite* card, you get:
For example, if you spend $1,000 per month on groceries and/or recurring payments, you’ll earn $40 cash back per month, or $480 cash back per year with this card for this category of purchases! And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).
If you rent, for example, you could use the Scotia Momentum® Visa Infinite* Card on the Chexy website to pay your rent and get 4% cash back!
The Scotia Momentum® VISA Infinite* card is an excellent Visa credit card for cash back.
And its insurance benefits are excellent!
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.
It’s now possible to reduce Chexy costs by automating other bill payments related to your Chexy home. Essentially, your Chexy fees will drop by 0.10% each time one of these bill payments is added to Chexy :
As a result, you can reduce your fees from 1.75% to 1.45% by adding the three bill payments to Chexy. Please note that this feature is available in beta version for the time being, and to a limited number of Chexy users.
Get $15 off your next Chexy payment by creating your account here.
Registering with Chexy’s rent payment service allows you to earn cash back on your online shopping. The principle is the same as for Aeroplan eStore, Rakuten, Boomerang or other online shopping portals.
The cashback you earn will then be deducted from what Chexy charges to your credit card, so it can help cover service fees.
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, available for a fee of $9.99 per month, can help anyone trying to increase their credit score, whether newcomers, students, or anyone with a specific goal (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.
Living with roommates? Chexy now offers a service that lets you share the rent and send a single transfer of the monthly total due to landlords. As a Chexy user, you can send an invitation link to your roommates to sign up for the service. Chexy will combine the rent payments and send a single transfer to your landlord. That said, there’s nothing to stop you using Chexy individually in a shared apartment if your landlords agree to separate payments.
Please note: Chexy’s website is currently available in English only, but their services are available to all Canadians.
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.
Next, indicate your main purpose for using Chexy, such as earning rewards on your rent, for example.
To complete this process, make sure you have:
Chexy must verify your identity using the Plaid authentication service as a security measure. All you need to do is provide the information requested, and make sure it matches your government-issued ID.
Once you have added your information, you will need to select your payment method:
Then, once the lease agreement has been added and everything completed, Chexy‘s automation begins, and Chexy will charge your rent to your card four days before the agreed payment date, with a fee of 1.75% on the price of your rent each month (if your payment is made by credit card).
Please note: Confirm this process with your landlord if you are not used to sending your rent by Interac transfer. Not all owners accept this form of payment. Chexy seems to be working on services for those who pay their landlords by pre-authorized payment or as an invoice, but these services are not yet available.
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.
These include the American Express Cobalt® and the American Express Platinum Card®, as well as many premium cards that require a certain high annual spending threshold to unlock bonus points.
Also, these cards generally offer points whose value is higher than Chexy’s fees. For example, we estimate the value of an Aeroplan point at 2 cents.
Here are a few of them:
In addition, some credit cards offer cash back, so you’ll also come out ahead when you pay your rent through Chexy. One example is the SimplyCash® Preferred Card from American Express which offers 2% cash back (in addition to a high welcome bonus). That said, thanks to Chexy payments, which are categorized as recurring payments, the Scotia Momentum Visa Infinite Card is the most advantageous.
If you’re a renter looking to unlock a credit card welcome bonus with high spending requirements, using Chexy ‘s services can help you achieve your goals.
The most important thing is to make sure you pay off your credit card balance in full every month to avoid interest charges. Otherwise, all the benefits of Chexy will be cancelled out.
Last but not least, since March 2025, Chexy has been offering you the option of paying bills such as municipal or income taxes with your credit card.
In addition, on April 15, 2025, Aeroplan and Chexy launched a multi-year agreement to offer additional benefits to Aeroplan members who use Chexy. Take advantage of a limited-time offer to earn up to 10,000 additional points.
It’s now possible to pay your rent with a credit card in Canada using the services of 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 then sends an Interac transfer 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 the services of Chexy, a Canadian company.
Savings are here (if you don’t see the sign-up form, please click here):
