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Chexy offer · Canada · Updated September 8, 2026

Chexy Referral Code, Bonus & Promo Code

Earn rewards on rent and recurring payments while stacking credit card rewards through Chexy's latest promotions.

Get Started with Chexy Read Full Chexy Review

Referral Bonus Included

No promo code required. The current Chexy referral offer is automatically applied when you sign up through the PaySmarter link.

Editorially independentNo paid placementsNet value after feesUpdated September 8, 2026See methodology →

PaySmarter promotion · Aug 28 – Sep 30, 2026

Get Chexy’s $20 referral bonus — plus an extra $20 from PaySmarter

Join Chexy and Neobanc through PaySmarter and complete the qualifying requirements to unlock the $20 PaySmarter bonus.

  • Chexy referral: $20 — no minimum payment amount required
  • Neobanc: up to $50, with a $1,000+ qualifying payment
  • Add Wealthsimple to increase your PaySmarter bonus to $40
See how the rewards stack

Sign up and complete all qualifying activity by September 30, 2026.

The PaySmarter bonus is on top of the existing referral rewards offered by Chexy, Neobanc and Wealthsimple. Partner rewards are provided by each platform and subject to their own terms.

Already Started Your Signup?

If Chexy asks for a referral code during registration, you can use:

Using the PaySmarter referral link is the easiest way to ensure the referral offer is applied automatically.

Current offer summary

Is there a bonus, and do I need a code?

Referral Bonus
Active
Promo Code Required
No
Aeroplan Promotion
Active
Last Verified
September 8, 2026
Referral Link
Included

Offer snapshot

Chexy at a glance

Best For

Travel rewards & Aeroplan collectors

Platform Fee

Approximately 1.75%

Accepted Cards

Visa · Mastercard · American Express

Credit Reporting

Equifax

Payment Types

Rent · Bills

Reward Type

Aeroplan + Credit Card Rewards

Referral Bonus

Current offer active

Setup Time

Less than 5 minutes

How the offer works

From signup to rewards in five steps

  1. 1

    Create a Chexy account

    Sign up through the PaySmarter link — takes under five minutes.

  2. 2

    Add your payment

    Enter your rent or recurring bill and your landlord's details.

  3. 3

    Connect your payment method

    Link the Visa, Mastercard, or Amex you want to earn rewards on.

  4. 4

    Complete your first qualifying payment

    Send your first eligible payment through the platform.

  5. 5

    Receive referral credits & rewards

    Your referral credit and promotional Aeroplan rewards are applied.

Referral details

Chexy Referral Code & Referral Bonus

How referral offers work. The platform rewards both new and existing users when a signup happens through a referral link. Join via the PaySmarter link and the current offer is applied for you — no manual code entry in most cases.

Referral link eligibility. The offer is intended for new users in Canada signing up with a valid Canadian credit card.

First qualifying payment. Your bonus is triggered after your first eligible payment — such as rent or a supported bill — completes successfully.

Timing of credits. Credits are usually applied within a few business days of the payment completing.

Important restrictions. Referral credits (Chexy Cash) can only offset future payments on the platform. They can't be withdrawn or transferred, and promotional terms can change.

Current referral bonus

$20 + up to 36,000 Aeroplan points

Bonus value: $20 credit after your first qualifying payment, plus promotional Aeroplan points.

Eligibility requirements

  • New Chexy user in Canada
  • Valid Canadian credit card
  • First qualifying payment completed
Get Started with Chexy

Already started signing up? Use referral code PTGMJY.

Promo codes

Does Chexy have a promo code?

Promotions are typically activated through referral links, signup offers, promotional campaigns, or Aeroplan promotions — rather than a traditional promo code.

You don't need to enter anything manually when signing up through PaySmarter — the applicable offer is applied automatically. If a referral code field appears during registration, use PTGMJY.

Travel rewards

Chexy Aeroplan Promotion

Current earning opportunities. The Aeroplan partnership lets eligible users earn points on qualifying payments — on top of the points earned by their own credit card.

Promotional bonuses. Active promotions can award up to 36,000 Aeroplan points for completing qualifying payments during the promotional window.

Eligibility & limits. Earning typically applies to new and qualifying users. Promotions may cap the total bonus points or require minimum payment amounts.

How points are awarded. Promotional points are credited after qualifying payments complete, generally landing in your Aeroplan account within a few weeks.

Best Aeroplan Credit Cards Travel rewards guide

Stack Aeroplan points on every rent payment

Pair Chexy's Aeroplan promotion with an Aeroplan or Membership Rewards card to earn promotional points and your card's points at the same time.

Get Started with Chexy

Chexy Cash

How Chexy Cash Works

Chexy Cash and referral credits can be used to reduce future payments made through Chexy.

When Is Chexy Cash Credited?

After a payment successfully completes, including:

  • Bill payment sent
  • e-Transfer deposited
  • PAD withdrawn
  • EFT processed

How to Redeem Existing Credits

  1. 1. Open Wallet
  2. 2. Select Redeem
  3. 3. Choose amount
  4. 4. Apply to next payment

How to Redeem During Checkout

You can redeem Chexy Cash directly when setting up a new payment — apply your available balance before confirming the payment.

Can be used for

  • Recurring payments
  • One-time payments
  • Must be redeemed before the card charge occurs
  • Typically redeem before charge date (~4 days before due date)

Cannot be used for

  • Cannot be withdrawn
  • Cannot be transferred
  • Cannot be used outside Chexy

Important

Chexy Cash cannot be withdrawn as cash and cannot be transferred. It may only be applied toward future payments made through Chexy.

Who it's for

Who should use Chexy

Aeroplan collectors

Stack the Aeroplan promotion on top of your card's earn rate.

Travel rewards enthusiasts

Turn unavoidable rent into transferable travel points.

American Express users

One of the few rent platforms that accepts Amex.

Large monthly rent payments

Higher rent means more rewards earned per month.

Welcome-bonus chasers

Hit minimum-spend thresholds faster using rent.

Rent rewards calculator

Estimated net value by rent amount

Illustrative estimates of what you could net per year paying rent through the platform with a rewards card, after the ~1.75% fee.

Monthly rentAnnual feesEst. card rewardsEst. Aeroplan rewardsReferral bonusEst. net value
$1,500/mo−$315$360$180$20+$245/yr
$2,000/mo−$420$480$240$20+$320/yr
$3,000/mo−$630$720$360$20+$470/yr
$4,000/mo−$840$960$480$20+$620/yr

Estimates assume a ~2% blended card reward value and an illustrative ~1% Aeroplan promotional value; actual results vary by card and promotion. How net value is calculated →

Verdict

Is Chexy worth it?

When Chexy makes sense

  • You hold a premium travel, Aeroplan, or Amex card earning more than 1.75% in value.
  • You're chasing a welcome bonus and want rent to count toward minimum spend.
  • You value the Aeroplan promotion and a polished, set-and-forget experience.

When it may not

  • Your card earns less than 1.75% — the fee can outweigh rewards.
  • You want $0 fees via Interac, or cashback rather than Aeroplan points on a mortgage payment (consider Neobanc).
  • You only need rent reporting to both bureaus (Chexy reports to Equifax only).

Recommendation

Chexy is the best Canadian rent platform for Aeroplan collectors, Amex cardholders, and travel-rewards optimizers. If you prefer cashback or $0 fees, compare Chexy vs Neobanc before deciding.

Best cards for Chexy

Top cards to pair with this offer

See all Chexy cards
Best Overall Card
American Express Cobalt card art$40 Bonus

American Express Cobalt

+$700$156/yr

See review

Best Aeroplan Card
TD Aeroplan Visa Infinite Privilege card art

TD Aeroplan Visa Infinite Privilege

+$1,800$599/yr

See review

Best Cashback Card
CIBC Dividend Visa Infinite card art

CIBC Dividend Visa Infinite

+$750First Year Free

See review

Best Welcome Bonus Card
American Express Platinum card art$150 Bonus

American Express Platinum

+$1,850$799/yr

See review

Picks are generated from our card catalog by net value and platform fit — no paid placements.

Card strategy

American Express cards & maximizing points earned

The card you pair with this payment platform matters more than most people expect. Two things are worth knowing before you choose.

Using American Express cards

Most Canadian rent payment platforms don't accept Amex — this one does. A few practical notes for Amex cardholders:

  • Charges process as standard purchases, so you earn your card's base rate — not a bonus-category multiplier.
  • Membership Rewards cards (like the Cobalt or Gold) earn their base rate here; the Cobalt's 5x on eats and drinks won't apply.
  • Amex welcome bonuses with high minimum spends are the strongest use case — rent can clear the threshold on its own.

Maximizing points earned

Points earned depend on the card behind the payment. To get the most from every rent payment:

  • Pair the platform with a card earning more than the ~1.75% fee — a 2% flat-rate or premium travel card is the baseline.
  • Time your signup around a card welcome bonus so rent counts toward minimum spend.
  • Stack the promotional Aeroplan points on top of your card's points — both apply to the same qualifying payment.
Compare the best cards for this offer

Pros

  • Aeroplan partnership
  • Works with American Express
  • Strong travel rewards potential
  • Easy setup
  • Credit reporting to Equifax
  • Referral bonus available

Cons

  • Transaction fee
  • Mortgage payments are debit-funded — Aeroplan points only, no card rewards
  • No credit card bill payments
  • Referral credits cannot be withdrawn

Compare alternatives

Chexy vs alternatives

Chexy vs Neobanc

Rewards
Aeroplan + card rewards vs up to 2% cashback
Fees
~1.75% vs $0 via Interac
Credit Reporting
Equifax vs Equifax + TransUnion
Mortgage Support
No vs Yes (via Interac)
Accepted Cards
Visa/MC/Amex vs Visa/MC/Amex
Compare Platforms

Chexy vs Casa

Rewards
Aeroplan + card rewards vs card rewards only
Fees
~1.75% vs 0% (Scotia Passport Visa) / ~1.75%
Credit Reporting
Equifax vs None
Mortgage Support
No vs No
Accepted Cards
Visa/MC/Amex vs Visa/MC (no Amex)
Compare Platforms

Offer history

Previous Chexy offers

DateOffer
June 2026Up to 36,000 Aeroplan points
March 2026Up to 24,000 Aeroplan points
December 2025Referral credit promotion

Historical offers do not guarantee future promotions.

FAQ

Chexy referral & offer FAQ

Yes. Chexy runs a referral program, and the current PaySmarter referral code is PTGMJY. In most cases you don't need to enter it manually — signing up through the PaySmarter link applies the offer automatically.

PTGMJY. If you use the PaySmarter signup link, the referral offer is typically applied automatically and entering a code is usually not required.

Yes. New users can earn a referral bonus plus promotional rewards — currently $20 after a first qualifying payment and up to 36,000 Aeroplan points through Chexy's promotions.

Chexy promotions are typically activated through referral links, signup offers, promotional campaigns, or Aeroplan promotions rather than a manual promo code. Signing up through PaySmarter applies the current offer automatically.

No. When you use the PaySmarter signup link, the applicable referral offer is generally applied automatically. If Chexy asks for a code during registration, you can enter PTGMJY.

Chexy Cash is a credit balance — earned from referrals and promotions — that can be applied to reduce future payments on the platform. It cannot be withdrawn or transferred.

Open your Wallet, select Redeem, choose an amount, and apply it to your next payment. You can also redeem it directly when setting up a new payment at checkout.

No. Chexy Cash and referral credits cannot be withdrawn as cash or transferred. They can only be applied toward future payments on the platform.

Credits are typically added after a payment successfully completes — for example once a bill payment is sent, an e-Transfer is deposited, a pre-authorized debit is withdrawn, or an EFT is processed.

Yes. Chexy Cash can be applied to both recurring payments and one-time payments, as long as it's redeemed before the card charge occurs.

Yes. The platform accepts Visa, Mastercard, and American Express — Amex support is a key advantage over most Canadian rent payment platforms. Amex charges process as standard purchases, so you earn your card's base rate rather than a bonus-category rate.

The Aeroplan partnership lets eligible users earn Aeroplan points on qualifying payments, on top of the points earned from their own credit card. Promotional bonuses and earning limits vary by campaign.

Payments generally take 1–3 business days to reach your landlord via EFT or Interac e-Transfer. Set payments up ahead of your due date to stay on time.

Yes. Chexy offers an optional credit-building add-on that reports your on-time rent payments to Equifax Canada to help establish or strengthen your credit file.

Related resources

Related Resources

Chexy Review

Our hands-on Chexy review — fees, Amex support, credit reporting and who it suits.

Read the review

Best Aeroplan Credit Cards

The strongest Aeroplan earners for stacking points on rent and spend.

Compare cards

Best Credit Cards for Rent

The cards that earn the most net value on rent after platform fees.

Compare cards

Chexy vs Neobanc

Side-by-side on fees, rewards, accepted cards and credit reporting.

Compare platforms

Chexy vs Neobanc vs Casa

The full three-way comparison of Canada's main rent payment platforms.

Compare all three

Pay Rent with a Credit Card

The complete Canadian guide to paying rent with a credit card.

Read the guide
Editorially Independent
No Paid Rankings
Updated Regularly
Canadian-Specific Analysis
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.
Get Started with Chexy