PaySmarter.ca

Hands-on comparison · Canada · Updated June 2026

Chexy vs Neobanc vs Casa — which is the best way to pay rent with rewards in Canada?

Compare the top platforms to pay rent with a credit card in Canada, bills, or even credit cards with rewards. Earn Aeroplan points, cashback, or pay with $0 fees — here's what's actually worth it.

Verdict: for most Canadian renters with a rewards credit card, Chexy wins on value.

Want cashback, or to also pay bills, mortgage and credit cards? Go with Neobanc.

Casa only wins for Scotiabank Passport Visa holders.

Neobanc is the only option that lets you earn cashback with $0 fees using Interac e-Transfer.

CChexy
vs
NNeobanc
vs
CCasa
Editorially independentNo paid placementsNet value after feesUpdated regularlySee methodology →

Fast answer

  • Cheapest option

    Neobanc (Interac, $0)

  • Best for rewards

    Chexy (Aeroplan)

  • Best overall

    Neobanc

Choose Neobanc for the lowest fees and cashback. Choose Chexy if you're chasing travel points. Choose Casa only if you hold a Scotiabank Passport Visa Infinite.

Decide in 5 seconds

Which one should you choose?

  • If you want points → Chexy
  • If you want cashback with no fees → Neobanc
  • If you want simplicity → Casa
C

Chexy

Best for Aeroplan and credit card rewards (~1.75% fee).

N

Neobanc

Best for cashback — earn 1% monthly or 2% annually on rent and bills, with $0 fees via Interac e-Transfer. You can also pay bills and credit cards. For mortgage payments, Neobanc routes via Interac e-Transfer (mortgages can't be charged to a credit card directly) and pays 0.5% cashback.

C

Casa

Best for simple rent payments if you already use the Scotiabank Passport Visa Infinite.

Verdict

The PaySmarter verdict after testing all three

C

Best for Aeroplan & credit card rewards

Chexy

4.6/5

The most polished and reliable of the three. For Aeroplan collectors, it's the easiest option.

Fee

~1.75% (credit card)

Bureaus

Equifax

Get started with Chexy — Best for points
N

Best for cashback and $0-fee payments

Neobanc

4.4/5

The strongest upside today — cashback plus the ability to pay everything from rent to mortgage — though it remains a newer product.

Fee

0% (Interac) · 1.5% (monthly plan) · 2.25% (6-month rolling plan)

Bureaus

Equifax + TransUnion

Get started with Neobanc — Cashback with $0 fees

Go deeper with our full Chexy review, Neobanc review, and Casa review, or find the best credit cards for rent in Canada to pair with your pick.

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.

By use case

Who wins what

Best for Aeroplan & travel points

CChexy

Direct Aeroplan partnership stacks on top of your card's earn rate. Best user interface and mobile experience of the three.

Best for cashback

NNeobanc

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

NNeobanc

Reports to both Equifax and TransUnion. Chexy is Equifax-only; Casa doesn't report at all.

Best for 0% fees

NNeobanc

Free via Interac e-Transfer for anyone. Casa hits 0% too but only with a Scotiabank Passport Visa.

See platform picks for each payment type: rent, property tax, tuition, utilities, condo fees, and mortgage payments.

Side by side

Every spec, in one table

Here's the full breakdown — but most people only need the summary above.

C

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
Get started with Chexy
N

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
Get started with Neobanc
C

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
Get started with Casa
Read full Chexy reviewRead full Neobanc reviewRead full Casa review

Recommended cards · Chexy

Best credit cards to pair with Chexy

Editorial · No paid placements
American Express Business Platinum card art$150

American Express · Amex

American Express Business Platinum

Top pairing

Why: Top-ranked pairing with Chexy — strongest math in our dataset.

vs current: ~$950/yr in net rent rewards via Chexy.

+$2,400$799/yr

See review

TD Aeroplan Visa Infinite Privilege card art

TD · Visa

TD Aeroplan Visa Infinite Privilege

Top pairing

Why: Top-ranked pairing with Chexy — strongest math in our dataset.

vs current: ~$480/yr in net rent rewards via Chexy.

+$1,800$599/yr

See review

CIBC Aeroplan Visa Infinite Privilege card art

CIBC · Visa

CIBC Aeroplan Visa Infinite Privilege

Top pairing

Why: Top-ranked pairing with Chexy — strongest math in our dataset.

vs current: ~$460/yr in net rent rewards via Chexy.

+$1,700$599/yr

See review

Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.

Recommended cards · Neobanc

Best credit cards to pair with Neobanc

Editorial · No paid placements
American Express Business Platinum card art$150

American Express · Amex

American Express Business Platinum

Compatible

Why: 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

Scotiabank Momentum Visa Infinite card art$150

Scotiabank · Visa

Scotiabank Momentum Visa Infinite

Best for recurring bills

Why: 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

TD First Class Travel Visa Infinite card art$40

TD · Visa

TD First Class Travel Visa Infinite

Best for recurring bills

Why: 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.

Question

Can you pay rent with a credit card in Canada?

Yes. Chexy, Neobanc, and Casa are the three rent payment platforms in Canada that let you pay rent with a credit card. The platform becomes the merchant, charges your card, and sends EFT or Interac e-Transfer to your landlord. For the full breakdown of how it works, see our pillar guide on paying rent with a credit card in Canada.

Worth it?

Is it worth paying rent with a credit card?

For Canadian renters with a 2%+ rewards card, yes — Chexy nets a small profit even after the 1.75% fee. Casa is a clear win for Scotiabank Passport Visa holders (0% fee). Neobanc + Interac e-Transfer wins regardless of card — read our deep dive on whether paying rent with a credit card is worth it in Canada for the full math.

Final verdict

Final verdict: which should you choose?

Choose Chexy if

You hold a premium travel or Aeroplan card and want the most polished experience for paying rent with a credit card in Canada.

Choose Neobanc if

You want cashback (up to 2%), $0 fees via Interac, or also need to pay bills and credit cards. Neobanc is also the only platform that handles mortgage payments — via Interac e-Transfer, with 0.5% cashback.

Choose Casa if

You hold the Scotiabank Passport Visa Infinite — that unlocks 0% fees plus Scene+ points on rent.

Related guides

Keep exploring

Pay rent with a credit card in Canada

The complete pillar guide — how it works, fees, legality.

Best credit cards for rent in Canada

Pick the right card for Chexy, Neobanc, and Casa.

Pay mortgage with a credit card in Canada

Pine for the rate, Neobanc for the cashback.

Compare Chexy vs Neobanc

Head-to-head between the two top platforms.

Methodology

How we evaluated these platforms — updated for 2026

Each platform was scored on four dimensions: fees (transaction and monthly), rewards (cashback and points net of fees), ease of use (signup, scheduling, support), and payment flexibility (card networks, Interac, mortgage and bills). All three were tested on real Canadian rent payments before publication.

Reality check

Who should NOT use any of these platforms

  • • You don't earn meaningful rewards on your card.
  • • Your card's rewards rate is below the platform's fee.
  • • You'd rather pay your landlord directly by EFT or cheque.
  • • You want zero added complexity in your monthly bills.

FAQ

Choosing the best platform in Canada

Trust & scope

What you can pay & how safe it is

C

Chexy

FINTRAC
Registered
CDIC insured
No
Pays rent
Yes
Pays mortgage
No
Pays credit cards
No
Support
Within 2 business days
N

Neobanc

FINTRAC
Registered
CDIC insured
Yes
Pays rent
Yes
Pays mortgage
Yes
Pays credit cards
Yes
Support
Same-day or within 24h
C

Casa

FINTRAC
Registered
CDIC insured
No
Pays rent
Yes
Pays mortgage
No
Pays credit cards
No
Support
Within 48 hours

Strategy & methodology

Methodology

How rent rewards work in Canada

Landlords don't accept credit cards directly. Three Canadian platforms bridge the gap. Here's how each one earns you rewards on rent — and where the math breaks.

Read guide

Methodology

How we estimate payment-platform fees

Every estimated rent-rewards figure on PaySmarter starts with a platform-fee assumption. Here are the exact rates we use and when we update them.

Read guide

Strategy

Best 2-card wallet setups in Canada (2026)

One card almost never wins everything. Here are the 2-card setups we recommend most often for Canadian renters who want to maximize rewards without overcomplicating life.

Read guide