{"id":433893,"date":"2026-03-20T10:25:00","date_gmt":"2026-03-20T14:25:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=433893"},"modified":"2026-03-24T04:46:40","modified_gmt":"2026-03-24T08:46:40","slug":"recurring-payments","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/recurring-payments\/","title":{"rendered":"Recurring Payments: The Best Credit Cards"},"content":{"rendered":"\n<p><strong>Recurring payments<\/strong> are part of everyday life. Subscriptions, telecommunications, insurance, and monthly bills recur, month after month. Yet, these expenses are often paid without a strategy, even though they can easily generate cash back or reward points.  <\/p>\n\n<p>By choosing a suitable credit card, your <strong>recurring payments<\/strong> become a source of rewards, without changing your spending habits.<\/p>\n\n<p>In this guide, we review the best credit cards for recurring payments and simple strategies to better optimize them.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-un-paiement-recurrent\">What Is a Recurring Payment?<\/h2>\n\n<p>A <strong>recurring payment<\/strong> is an automatic debit made at regular intervals, such as monthly or annually.<\/p>\n\n<p>It applies to several common expenses, including subscriptions to platforms like Netflix or Disney+, gym memberships, telecommunication services, internet, and certain insurance policies.<\/p>\n\n<p>These payments are often called pre-authorized payments, as they require you to authorize the merchant to debit your card on specific dates, without your intervention.<\/p>\n<aside class=\"component component__notice component__notice--warning wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-exclamation-triangle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tInsurance\t\t\t<\/span>\n\t\t\t\t\n\n<p>Not all insurers accept monthly premium payments by credit card. Often, only the annual option is offered, while the monthly plan requires pre-authorized debits. However, some providers, such as Sonnet or Manulife, do allow monthly payments by card.  <\/p>\n\n\t<\/div>\n<\/aside>\n\n<p>Rent can also become a recurring payment. Thanks to services like <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>, it is possible to pay <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">rent<\/a>, certain bills, or even <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-bills-taxes-credit-card\/\">taxes by credit card<\/a>, for a fee. We will return to this later in the article.  <\/p>\n\n<p>To be recognized as a <strong>recurring payment<\/strong>, the debit must be authorized in advance by the merchant. It is recommended to verify or perform a test if necessary. <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"460754\"\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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-avantages-d-une-carte-de-credit-pour-les-paiements-recurrents\">Benefits of a Credit Card for Recurring Payments<\/h2>\n\n<p>Using a credit card for your <strong>recurring payments<\/strong> allows you to accumulate points or cash back on essential expenses.<\/p>\n\n<p>Some cards offer boosted rates for the recurring payments category. At the top of the list is the <a title=\"Scotia Momentum&#xAE; VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a>, which stands out with 4% cash back on eligible recurring payments. By consolidating these payments on a suitable card, rewards accumulate automatically.  <\/p>\n\n<p>Centralizing your recurring payments on a single card also simplifies <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/learn-manage-budget\/\">budget management<\/a>. You track all your expenses in one place and reduce the risk of oversight. <\/p>\n\n<p>Finally, some cards include useful insurance. For example, paying your mobile phone bill can activate <a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/insurance-mobile-devices\/\">device repair or replacement protection<\/a>. <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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=\"179267\"\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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-meilleures-cartes-de-credit-pour-les-paiements-recurrents\">Best Credit Cards for Recurring Payments<\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"h-meilleures-cartes-de-credit-pour-les-remises-en-argent\">Best Credit Cards for Cash Back<\/h3>\n\n<p>Some credit cards clearly stand out for <strong>recurring payments<\/strong>, especially for cash back.<\/p>\n\n<p>At the top of the list, the <a title=\"Scotia Momentum&#xAE; VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a> offers 4% cash back on eligible recurring payments, a rate difficult to match.<\/p>\n\n<p>The <a title=\"TD Cash Back Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-cash-back-visa-infinite-card-qc\/\" rel=\"noindex\">TD Cash Back Visa Infinite* Card<\/a> follows closely with 3%, making it an excellent high-performing alternative.<\/p>\n\n<p>Other options offer 2%, including the <a title=\"CIBC Dividend&#xAE; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-infinite-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and the <a title=\"Tangerine Money-Back World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a>.<\/p>\n\n<p>If your primary goal is solely recurring payments, the <a title=\"Tangerine Money-Back World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> is particularly attractive, as it has <a target=\"_blank\" href=\"\/?p=66049\">no annual fee<\/a>. It can be used exclusively for these expenses, while reserving other cards for more lucrative categories according to your strategy. <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637,225991,22695,71355\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-meilleures-cartes-de-credit-pour-les-points-de-recompense\">Best Credit Cards for Reward Points<\/h3>\n\n<p>Some cards offer rewards in the form of points, often travel-related. Their value varies depending on how you redeem them. <\/p>\n\n<p><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/save-travel-sceneplus-points\/\">Scene+ points can be used to pay for travel expenses<\/a> or even groceries, at a value of approximately 1 cent per point. However, a statement credit reduces this value. With the <a title=\"Scotiabank Gold American Express&#xAE; Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, the 3X Scene+ points on <strong>recurring payments<\/strong> can represent a return of up to 3%, depending on how the points are used.  <\/p>\n\n<p><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/mbna-rewards\/\">MBNA Rewards<\/a> points are flexible, but their maximum value is achieved through the MBNA travel portal, where each point is worth 1 cent. Thus, the <a title=\"MBNA Rewards World Elite&#xAE; Mastercard&#xAE;\" href=\"https:\/\/milesopedia.com\/en\/go\/mbna-rewards-world-elite-mastercard-qc\/\" rel=\"noindex\">MBNA Rewards<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> can offer a return of up to 5% on certain <strong>recurring payments<\/strong>, such as digital subscriptions and household utilities. <\/p>\n\n<p>The <a title=\"TD First Class Travel&#xAE; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> offer 4X and 2X points respectively on <strong>recurring payments<\/strong>. According to <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">Milesopedia<\/a>, this equates to a return of approximately 2%. <\/p>\n\n<p>Finally, the <a title=\"American Express Cobalt&#xAE; Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> grants 3X points on streaming services, such as Netflix, Disney Plus, or Spotify. These points do not apply to traditional recurring payments, but their value can exceed 1 cent when <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">transferred to partners<\/a>, for a guaranteed minimum return of 3% on these subscriptions. <\/p>\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tHYDRO-QUEBEC\t\t\t<\/span>\n\t\t\t\t\n\n<p>Hydro-Quebec bills are generally not payable by card, except with the Canadian Tire <a title=\"Triangle&#x2122; World Elite Mastercard&#xAE;\" href=\"https:\/\/milesopedia.com\/en\/go\/triangle-world-elite-mastercard\/\" rel=\"noindex\">Triangle<sup>&reg;<\/sup> World Elite Mastercard<sup>&reg;<\/sup><\/a> (approximately 1% return). Services like <a href=\"https:\/\/milesopedia.com\/en\/avis\/produits\/earn-points-miles-plastiq-com\/\">Plastiq<\/a> or <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a> allow you to pay it by card, for a fee. With the <a title=\"MBNA Rewards World Elite&#xAE; Mastercard&#xAE;\" href=\"https:\/\/milesopedia.com\/en\/go\/mbna-rewards-world-elite-mastercard-qc\/\" rel=\"noindex\">MBNA Rewards<sup>&reg;<\/sup> World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a>, you can accumulate up to 5X points.  <\/p>\n\n\t<\/div>\n<\/aside>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22640,25774,22724,401432,22621,22768\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-choisir-une-carte-pour-vos-paiements-recurrents\">How to Choose a Card for Your Recurring Payments<\/h2>\n\n<p>To choose a credit card suitable for recurring payments, you must evaluate several criteria to maximize rewards and facilitate the management of your finances.<\/p>\n\n<p>Some cards offer <strong>boosted rates on recurring payments<\/strong>, such as monthly subscriptions or utilities. These cards allow you to accumulate more points or cash back, which can generate savings or benefits for your travels. <\/p>\n\n<p>Before subscribing, compare the <a target=\"_blank\" href=\"\/?p=66049\">annual fees<\/a> and the rewards offered. Cards with high fees can be worthwhile if the benefits outweigh the cost, but this is not always the case. <\/p>\n\n<p>For example, twelve annual payments of $30 with the <a title=\"Scotia Momentum&#xAE; VISA Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum Visa Infinite Card<\/a> at 4% would yield less than $15. In this case, a <a title=\"Tangerine Money-Back World Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> with no annual fee and offering 2% could be more profitable in the long run. <\/p>\n\n<p>Finally, choose a card whose <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/choosing-best-credit-card\/\">rewards program aligns with your goals<\/a>. Travelers may prefer cards that offer points for flights or hotels. Cash back enthusiasts can opt for a card offering a percentage on <strong>recurring payments<\/strong>.  <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"299092,303523\"\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><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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-tableau-comparatif\">Comparison Table<\/h2>\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Credit card<\/strong><\/th><th><strong>Rewards on recurring payments<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a title=\"Scotia Momentum&#xAE; 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><\/td><td>4% cash back<\/td><\/tr><tr><td><a title=\"TD Cash Back Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-cash-back-visa-infinite-card-qc\/\" rel=\"noindex\">TD Cash Back Visa Infinite* Card<\/a><\/td><td>3% cash back<\/td><\/tr><tr><td><a title=\"CIBC Dividend&#xAE; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-infinite-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>2% cash back<\/td><\/tr><tr><td><a title=\"Tangerine&#xAE; Money-Back World Mastercard&#xAE;*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>MD<\/sup> World Mastercard<sup>MD<\/sup>* Cash Back Card<\/a><\/td><td>2% cash back (chosen category)<\/td><\/tr><tr><td><a title=\"SimplyCash&#xAE; Preferred Card from American Express\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-simplycash-preferred\/\" rel=\"noindex\">SimplyCash<sup><sup>&reg;<\/sup><\/sup> Preferred Card from American Express<\/a><\/td><td>2% cash back<\/td><\/tr><tr><td><a title=\"MBNA Rewards World Elite&#xAE; Mastercard&#xAE;\" href=\"https:\/\/milesopedia.com\/en\/go\/mbna-rewards-world-elite-mastercard-qc\/\" rel=\"noindex\">MBNA Rewards World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a><\/td><td>5 points per dollar<\/td><\/tr><tr><td><a title=\"Scotiabank Gold American Express&#xAE; Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/td><td>3 points per dollar<\/td><\/tr><tr><td><a title=\"TD First Class Travel&#xAE; Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td>4 points per dollar<\/td><\/tr><tr><td><a title=\"American Express Cobalt&#xAE; Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td><td>3 points per dollar (streaming services only)<\/td><\/tr><tr><td><a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td><td>2 points per dollar<\/td><\/tr><tr><td><a title=\"Scotiabank Platinum American Express&#xAE; Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-platinum-american-express\/\" rel=\"noindex\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a><\/td><td>2 points per dollar<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-chexy-et-les-paiements-recurrents\">Chexy and Recurring Payments<\/h2>\n\n<p><a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a> is a Canadian platform that allows you to pay certain recurring expenses by credit card, even when they do not directly accept it.<\/p>\n\n<p>The service acts as an intermediary. You pay with your credit card, and Chexy then makes the payment to the payee, such as a landlord or a financial institution. <\/p>\n\n<p>This approach allows you to accumulate rewards on significant payments, such as <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">rent<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-bills-taxes-credit-card\/\">taxes<\/a>, which are usually excluded.<\/p>\n<aside class=\"component component__notice component__notice--success wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-check\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tMILESOPEDIA X CHEXY PROMOTION\t\t\t<\/span>\n\t\t\t\t\n\n<p>Use code MILES15 to get $15 off your first recurring payment with <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>, when creating your account. This code does not apply to one-time payments and is valid only on the first recurring payment. <\/p>\n\n\t<\/div>\n<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-paiements-recurrents-avec-chexy\">Recurring Payments with Chexy<\/h3>\n\n<p><a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a> allows you to pay for, among other things:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">rent<\/a>;<\/li>\n\n\n\n<li>certain bills and fixed charges (insurance, utilities, childcare services, telecommunications, etc.);<\/li>\n\n\n\n<li>eligible <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-tuition-fees-strategy\/\">tuition fees<\/a>;<\/li>\n\n\n\n<li>payments related to a <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-small-business\/\">small business<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/pay-municipal-taxes-credit-card\/\" target=\"_blank\" rel=\"noopener\">municipal taxes<\/a> and school taxes;<\/li>\n\n\n\n<li>etc.<\/li>\n<\/ul><\/div>\n\n<p>Terms and conditions may vary depending on the type of payment and the credit card used. It is therefore important to fully understand how it works before proceeding. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-frais-et-rentabilite-de-l-utilisation-de-chexy\">Fees and Profitability of Using Chexy<\/h3>\n\n<p><a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a> charges service fees on each transaction. These fees must be compared to the actual value of the points or cash back earned. <\/p>\n\n<p>Thus, Chexy becomes particularly interesting in certain specific contexts:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>reaching a spending threshold for a welcome bonus;<\/li>\n\n\n\n<li>using a card offering a high rate on <strong>recurring payments<\/strong>;<\/li>\n\n\n\n<li>centralizing a significant monthly payment on a single card.<\/li>\n<\/ul><\/div>\n\n<p>To delve deeper into the topic, we have written several detailed guides, including a <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-credit-card-guide\/\">complete guide on Chexy<\/a>, strategies for <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-bills-taxes-credit-card\/\">paying your taxes<\/a>, as well as articles on <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-earn-rewards-rent-payments\/\">rent<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-tuition-fees-strategy\/\">tuition fees<\/a>, and use by <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/chexy-small-business\/\">small businesses<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\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 container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"458967,441986,460754,458932,299825,438852\"\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><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><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><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<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Bottom Line<\/h2>\n\n<p><strong>Recurring payments<\/strong> represent a simple opportunity to optimize your <a href=\"https:\/\/milesopedia.com\/en\/guide\/101-personal-finance-canada\/\">personal finances<\/a>, without additional daily effort. With the right credit card, your bills and subscriptions can generate rewards throughout the year. <\/p>\n\n<p>Solutions like <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/chexy-credit-card-guide\/\">Chexy<\/a> also expand possibilities, by allowing you to pay certain expenses otherwise inaccessible by credit card.<\/p>\n\n<p>Ultimately, the key is to compare cards, understand the terms and conditions, and choose a <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/choosing-best-credit-card\/\">strategy tailored to your profile and recurring expenses<\/a>.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-paiements-recurrents-questions-frequentes\">Recurring Payments &#8211; Frequently Asked Questions<\/h3>\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_a_recurring_credit_card_payment_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is a recurring credit card payment?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>A recurring payment is an automatic payment charged regularly to a credit card, such as a subscription or a monthly bill.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_recurring_payments_always_earn_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo recurring payments always earn rewards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. Some cards exclude specific categories. You must check the specific terms and conditions of each credit card. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_payments_made_with_chexy_considered_recurring_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre payments made with Chexy considered recurring?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, in most cases. However, the exact processing depends on the card issuer and the transaction category. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_multiple_cards_be_used_for_recurring_payments_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan multiple cards be used for recurring payments?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. However, centralizing your recurring payments facilitates tracking and optimizing rewards.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_it_possible_to_pay_rent_by_credit_card_without_chexy_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs it possible to pay rent by credit card without Chexy?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Rarely. Most landlords do not directly accept credit cards, hence the benefit of a platform like <a title=\"Chexy\" href=\"https:\/\/milesopedia.com\/en\/go\/chexy\/\" rel=\"noindex\">Chexy<\/a>. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Recurring Payments: Discover which credit cards to choose for subscriptions, monthly bills, and simple strategies to earn more 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