Chexy
2nd placeBest for maximizing credit card rewards
Net annual value
$300 / year
- Fees
- −$420
- Credit card rewards
- +$720
- Sign-up bonus
- $20 & up to 36,000 Aeroplan points
Aeroplan + cashback optimization
Pay your rent smarter.
Compare payment platforms, credit cards, cashback, and rewards strategies for Canada’s biggest recurring expenses — rent, mortgage, taxes, utilities, condo fees, tuition, and insurance.
Independent Canadian recurring-payment optimization
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What are you trying to pay?
Pick a recurring expense to see the best Canadian platforms, cards, and strategies.
Top picks for rent
Full rent guide- Best for cashback:Neobanc
- Best for rewards:Chexy
- Lowest fees:Neobanc (Interac)
Decision tool
Estimate your potential rewards
Compare fees, cashback, points, and estimated value across different payment setups.
Supported platformsNeobancChexyCasa
Estimate your net rewards potential
$2,000/ month
$500$5,000
See which platform performs best for your rent
Ranked by estimated annual net value after fees · Compared across supported Canadian bill-payment platforms.
Highest estimated net value
Neobanc
Estimated annual value on your rent: ~$480/year.
Optimized for recurring payments · Fee-adjusted rewards
Why this wins: At higher rent levels, the 6-month rolling 2% cashback (rent-only) plus 0% Interac fees produces the strongest fee-adjusted net value.
Learn more: Neobanc review · full platform comparison
Neobanc
WinnerBest for maximizing cashback
Net annual value
$480 / year
Choose payment method
Choose cashback tier
- Fees
- $0
- Cashback
- +$480
- Sign-up bonus
- Up to $100
Casa
3rd placeBest for minimizing fees (in select setups)
Net annual value
$60 / yearup to $480 / year
- Fees
- −$420
- Credit card rewards
- +$480
- Sign-up bonus
- N/A
Best only if you qualify for the 0% fee setup (Scotiabank Passport Visa).
Estimated annual net value shown · Recommendations based on net value after fees.
Updated regularly for Canadian platform fees and offers. How recommendations are calculated →
Recommended next step · Based on your result
Top credit cards to pair with Neobanc
$150American Express · Amex
American Express Business Platinum
CompatibleWhy: Compatible with Neobanc — ~$950/yr in net rent rewards.
vs current: ~$950/yr in net rent rewards via Neobanc.
+$2,400$799/yr
See review
$150Scotiabank · Visa
Scotiabank Momentum Visa Infinite
Best for recurring billsWhy: Earns 4% on recurring bills — pairs naturally with Neobanc's utilities, mortgage and credit-card bill rails.
vs current: ~$30/yr in net rent rewards via Neobanc.
+$600First Year Free
See review
$40TD · Visa
TD First Class Travel Visa Infinite
Best for recurring billsWhy: Earns 4% on recurring bills — pairs naturally with Neobanc's utilities, mortgage and credit-card bill rails.
vs current: ~$50/yr in net rent rewards via Neobanc.
+$1,100First Year Free
See review
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
Keep optimizing
Recommended next steps for your situation
Own a home instead?
Buying, renewing, or switching your mortgage? Pine can help you save. Already have one? Earn cashback on payments with Neobanc.
Independent, fee-adjusted analysis built from hands-on testing of every major Canadian bill-payment platform.
Affiliate disclosure. Some links on PaySmarter.ca are referral links. If you sign up, we may receive a commission at no cost to you. Our editorial verdicts, scores and recommendations are decided independently and never influenced by partners.
Reviews
Chexy vs Neobanc vs Casa: At a glance
Three Canadian platforms, three different bets. The short version — full breakdown below.
Chexy
Pay rent and other large bills with a credit card. Earn Aeroplan + card rewards.
- Fee
- ~1.75% (credit card)
- Cards
- 4
Visa · Mastercard · Amex · PAD
- Most polished and reliable of the three
- Aeroplan partnership stacks on top of card rewards
- Broadest card support — Amex, Visa, MC + PAD
- Higher 2.5% fee on foreign cards
Neobanc
Earn cashback on rent, bills and mortgage. $0 fees via Interac e-Transfer. CDIC-insured.
- Fee
- 0% (Interac) · 1.5% (monthly plan) · 2.25% (6-month rolling plan)
- Cards
- 4
Visa · Mastercard · Amex · Interac
- 0% fees with Interac e-Transfer
- Up to 1–2% cashback on rent
- Pays mortgage via Interac (0.5% cashback) — credit cards & loans too
- Newer product — still maturing
Casa
0% fees for the right Scotiabank setup.
- Fee
- ~0–1.75% (depends on payment method)
- Cards
- 2
Visa · Mastercard
- 0% fees with Scotiabank Passport Visa
- Simple, focused product
- FINTRAC registered
- No Amex
Editor's verdicts
Best tool for your situation
No tool wins everything. Here's our opinionated take, by use case.
Best for Aeroplan & travel points
C
Chexy
Direct Aeroplan partnership stacks on top of your card's earn rate. Best user interface and mobile experience of the three.
Best for cashback
N
Neobanc
Up to 1–2% cashback on rent and bills, plus 0.5% on mortgage. And $0 fees when you pay via Interac e-Transfer.
Best for credit building
N
Neobanc
Reports to both Equifax and TransUnion. Chexy is Equifax-only; Casa doesn't report at all.
Best for 0% fees
N
Neobanc
Free via Interac e-Transfer for anyone. Casa hits 0% too but only with a Scotiabank Passport Visa.
Side by side
The full comparison
Fees, cards, credit reporting and scope — built specifically for the Canadian market.
Chexy
Best for rewards- Transaction fee
- ~1.75% (credit card)
- Rewards
- Aeroplan partnership + your full credit card rewards
- Credit reporting
- Equifax
- What you can pay
- Rent · Bills
Top strengths
- Most polished and reliable of the three
- Aeroplan partnership stacks on top of card rewards
- Higher 2.5% fee on foreign cards
Neobanc
Lowest fees · Best overall- Transaction fee
- 0% (Interac) · 1.5% (monthly plan) · 2.25% (6-month rolling plan)
- Rewards
- Up to 1–2% cashback on rent and bills (1% monthly plan, 2% 6-month rolling plan), 0.5% on mortgage
- Credit reporting
- Equifax + TransUnion
- What you can pay
- Rent · Bills · CC bills · Mortgage
Top strengths
- 0% fees with Interac e-Transfer
- Up to 1–2% cashback on rent
- Newer product — still maturing
Casa
Easiest if Scotia Visa- Transaction fee
- ~0–1.75% (depends on payment method)
- Rewards
- Your credit card rewards (Scene+ if Scotia)
- Credit reporting
- No
- What you can pay
- Rent
Top strengths
- 0% fees with Scotiabank Passport Visa
- Simple, focused product
- No Amex
Quick Picks
One pick per goal
Skip the analysis — pick the platform that matches your top priority.
How it works
One workflow, three wins
The same pattern powers rent, mortgage, taxes, tuition, and recurring bills across Canadian payment platforms.
01
Pay with your credit card or Interac e-Transfer
Schedule rent in the app. Pay with a credit card (0–2.5% fee depending on the tool) or, with Neobanc, send a free Interac e-Transfer.
02
Landlord receives EFT in CAD
The platform sends EFT or Interac to your landlord's Canadian bank account. They never need to enroll.
03
You earn rewards + build credit
Keep 100% of your card's points or cashback, plus any platform cashback. On-time rent can be reported to Equifax (Chexy) or both bureaus (Neobanc).
💡 Bonus (optional) If you're using Neobanc, you can also pay your credit card bills through the platform and earn additional cashback—on top of rent and other payments.
FAQ
Rent questions, answered
Common questions about optimizing rent payments in Canada.
Only if the platform reports payments to a credit bureau. Chexy reports to Equifax Canada. Neobanc reports to both Equifax and TransUnion. Casa does not currently report to bureaus.
Depends on your card. A 2x travel card valued at ~1.5¢/point earns ~3% back, easily covering Chexy's 1.75% fee. A flat 1% cashback card likely won't break even.
Yes — Chexy and Neobanc accept Amex. Casa is Visa-only. Before creating an account, it's worth checking the current Chexy promotion or the latest Neobanc offer so you sign up through the best available bonus.
We compare net annual value (rewards minus fees), supported funding methods (Interac vs credit card), credit-bureau reporting, and category coverage. Recommendations are independent and updated regularly.
Yes. Platforms like Chexy, Neobanc, and Casa act as the merchant — they charge your card and forward EFT or Interac e-Transfer to the biller's Canadian bank account.
Legality
Can you pay rent with a credit card in Canada?
Yes — Canadian platforms like Chexy, Neobanc and Casa act as the merchant: they charge your credit card, then send EFT or Interac e-Transfer to your landlord's Canadian bank account. Your landlord doesn't need a merchant account or even know you're paying by card. See the full guide to pay rent with a credit card in Canada.
Math
Is paying rent with a credit card worth it?
It depends on your card. Most platforms charge ~1.75% per transaction, so a 1% cashback card loses money. A 2x travel card worth ~1.5¢/point earns ~3% — comfortably ahead. With Neobanc you can also pay using Interac e-Transfer for $0 fees and still earn cashback. See the best credit cards for rent in Canada calculator, or read our deep dive on whether paying rent with a credit card is worth it. Still choosing a rewards strategy? Compare travel vs cashback credit cards to see which rewards are better for you.
Best way
Best way to pay rent with a credit card in Canada
For Aeroplan and travel points, Chexy is the cleanest option. For cashback or paying things other tools can't (mortgage, credit cards, loans), Neobanc wins. If you hold a Scotiabank Passport Visa, Casa unlocks 0% fees. See the full Chexy vs Neobanc vs Casa comparison.
Related guides
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Read guideReady to switch?
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