{"id":336840,"date":"2025-06-11T11:09:00","date_gmt":"2025-06-11T15:09:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=336840"},"modified":"2025-12-03T14:45:47","modified_gmt":"2025-12-03T19:45:47","slug":"cash-back-rent","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/cash-back-rent\/","title":{"rendered":"How to Get Up to 10% Cash Back on Your Rent Payments"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In a monthly budget, the portion dedicated to rent is often considered one of the largest expenses. It is now possible to <strong>pay your rent with a credit card<\/strong> and, as a result, receive cash back or rewards on this expense. <\/p>\n<p>This is now possible thanks to <strong><a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/go\/chexy\/\">Chexy<\/a>,<\/strong> a Canadian company that allows tenants to <strong>pay their rent by credit card<\/strong>. Here are the details.<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/go\/chexy\/\" rel=\"noindex\">Create your Chexy account via this link<\/a> and use the code: MILES15 to <strong>get $15 off<\/strong> your first payment via Chexy (this code is not valid for one-time payments). Note that the promo code is valid on the first recurring payment only.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Renting an Apartment or Housing &#8211; Earning Cash Back on Your Rent&#8221; el_id=&#8221;renting_an_apartment_or_housing_-_earning_cash_back_on_your_rent&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The concept is simple: you pay Chexy the amount of your rent each month by credit card, and <a target=\"_blank\" href=\"https:\/\/chexy.co\/\">Chexy<\/a> then takes care of sending a payment to your landlord, whether by <strong>Interac transfer<\/strong>, <strong>pre-authorized debit<\/strong> or <strong>bill payment<\/strong>.<\/p>\n<p>Depending on the credit card selected for your payment, you&#8217;ll earn reward points or cash back on this payment. In Canada, American Express and Visa credit cards are accepted and are charged a <strong>1.75% fee<\/strong> by <strong>Chexy<\/strong>. For international credit cards, there is a 2.5% fee. <\/p>\n<p>Even better; the whole process is automated. You can even reduce your <strong>Chexy fees<\/strong> by participating in the referral program. Read our <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">guide on using Chexy to pay your rent<\/a> for the full details:  <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"299825\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p><strong>Chexy<\/strong> not only allows you to earn rewards on the dollars you spend on rent as a tenant, but also to <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">unlock welcome bonuses<\/a> from certain credit cards.<\/p>\n<p>In addition, payments made through Chexy are categorized as \u201c<strong>recurring payments<\/strong>\u201d by some credit cards. Ceratin credit cards, give you a higher discount on this category.<\/p>\n<p>[\/vc_column_text][vc_message]<\/p>\n<p><strong>Please note<\/strong>: Chexy will pay your landlord by one of three methods: <strong>Interac transfer<\/strong>, <strong>pre-authorized debit<\/strong> or <strong>bill payment<\/strong>. Check with your landlord beforehand to see if one of these payment methods is acceptable. <\/p>\n<p>[\/vc_message][vc_custom_heading text=&#8221;Cash Back on Rent with the Scotia Momentum Visa Infinite Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;cash_back_on_rent_with_the_scotia_momentum_visa_infinite_card&#8221;][vc_column_text]<\/p>\n<p>The choice of credit card for payment through <strong>Chexy<\/strong> is very important. To maximize cash back, we recommend using The <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a> for your <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/go\/chexy\/\">Chexy<\/a> payments.<\/p>\n<p>[\/vc_column_text]<p>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 <strong>best cash back credit card in 2026<\/strong>. <\/p>\n<p>Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite Card has <strong>no annual fee for the first year,<\/strong> including on supplementary cards. And you can earn <strong>10% cash back on all purchases<\/strong> for the first three months (up to $2,000 in total purchases). <\/p>\n<p>With the Scotia Momentum\u00ae VISA Infinite* card, you get:<\/p>\n<ul>\n<li><strong>4% cash back on grocery purchases, recurring payments, and subscriptions<\/strong><\/li>\n<li>2% cash back on gas purchases, electric vehicle charging and public transit passes, including bus, taxi and ridesharing, as well as food delivery<\/li>\n<li>1% cash back on all other purchases<\/li>\n<\/ul>\n<p>For example, if you spend $1,000 per month on grocery purchases and\/or recurring payments, you will earn $40 in cash back per month, or <strong>$480 per year,<\/strong> with this card, for this purchase category! And that&rsquo;s not counting the other purchases you will make with this card and the benefits it offers (including its excellent insurance coverage). <\/p>\n<p>If you are a renter, you could for example use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and earn 4% cash back!<\/p>\n<p>Also note that <strong>you can use your cash back at any time<\/strong> (the cash back balance must be at least $25).<\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Example of Cash Back on Rent&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;example_of_cash_back_on_rent&#8221;][vc_column_text]<\/p>\n<p>Here&#8217;s an example of how you can use your <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a> to pay your rent with Chexy for a full year:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 240px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">Month<\/td>\n<td style=\"width: 12.5%; height: 24px;\">Monthly rent expense<\/td>\n<td style=\"width: 25%; height: 24px;\">Cash back<\/td>\n<td style=\"width: 25%; height: 24px;\">Cash Back Value<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">January<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">10% (welcome offer)<\/td>\n<td style=\"width: 25%; height: 24px;\">$100<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">February<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">10% (welcome offer)<\/td>\n<td style=\"width: 25%; height: 24px;\">$100<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">March<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">April<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">May<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">June<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">July<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">August<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.5%;\">September<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 12.5%;\">November<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 12.5%;\">December<\/td>\n<td style=\"width: 12.5%; height: 24px;\">$1,000<\/td>\n<td style=\"width: 25%; height: 24px;\">4%<\/td>\n<td style=\"width: 25%; height: 24px;\">$40<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 12.5%;\"><strong>Total<\/strong><\/td>\n<p><strong><\/p>\n<td style=\"width: 12.5%;\">$1,000<\/td>\n<p><\/strong><\/p>\n<td style=\"width: 25%;\"><strong>5%<\/strong><\/td>\n<td style=\"width: 25%;\"><strong>$600<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For example, if your rent costs $1,000 a month, you could earn <strong>$600 cash back in the first year<\/strong> by taking advantage of the welcome offer from the <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and paying with <strong>Chexy<\/strong>.<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">Chexy<\/a> charges a <strong>1.75% fee<\/strong>, so using its services for a year would cost you <span class=\"nowrap\">$210<\/span>. Based on this example, you still get a <strong>net cash back of <span class=\"nowrap\">$390<\/span><\/strong> on your rent.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a> has no annual fee for the first year and pays out cash back in November; this means the ideal time to apply is in December or early January to maximize your first year without annual fees.<\/p>\n<p>To find out how to maximize your welcome offer, see our article on <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/optimize-the-cash-back-offer-scotia-momentum-visa-infinite-card\/\">optimizing the Scotia Momentum Visa Infinite Card<\/a>:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"74993\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Landlords can revise your rent every year. If you have recently experienced a rent increase, there are ways to offset it by earning rewards or cash back on every dollar spent on your rent.<\/p>\n<p>The combination of <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a> and the <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a> is the best way to get optimal cash back on every <strong>rent payment<\/strong>. With rent prices on the rise, this strategy can help you better manage your budget and ease the high costs of daily living.<\/p>\n<p>Note that you can now <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-bills-taxes-credit-card\/\">use Chexy to pay bills and taxes by credit card<\/a>, for even more rewards!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438852\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_toggle title=&#8221;Can I pay my rent with my credit card in Canada?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, it is possible to pay your rent with a credit card in Canada, but not directly to your landlord. You&#8217;ll need to use Chexy&#8217;s intermediary services, which accept credit card payments and forward the amount to your landlord. <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is it worth paying rent by credit card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>It may be worth it if your credit card offers a cashback rate higher than the transaction fee. For example, with the <a title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a>, you get a net cash back of 2.25% after Chexy&#8217;s fees. Another strategy that can pay off is to earn a welcome bonus or travel points with other credit cards.  <\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Looking for ways to earn rewards on your rent? Use this tip to get up to 10% cash back on your rent payments. 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