In 30 seconds
Verdict
The most polished, established Canadian rent-on-credit platform. Strong Aeroplan partnership and broad card support — the easiest pick if you're optimizing for travel points.
Chexy is a strong choice if you're using a high-reward credit card to pay rent with a credit card in Canada — otherwise, the fee may outweigh the benefits.
Chexy can also be used for other large payments like tuition, taxes, utilities (hydro), and bills.
Do the math
Real Cost Breakdown
If your rent is $2,000:
- Fee (1.75%): ~$35
Rewards earned
- 1% cashback card → ~$20 (you lose money)
- 2% card → ~$40 (break-even)
- 3–5% travel rewards → ~$60–$100+ (you come out ahead)
Bottom line
If you're earning less than ~2% back, Chexy likely isn't worth it.
If you're earning 3%+, it's one of the best ways to generate rewards on rent.
Right fit check
When Chexy Makes Sense (and When It Doesn't)
Best for
- Travel rewards users (Amex, Aeroplan, premium cards)
- Hitting sign-up bonuses
- Higher monthly rent ($2,000+ makes the rewards meaningful)
Not ideal if
- You use a basic 1% cashback card
- You want zero fees
- You don't actively optimize credit card rewards
At a glance
Chexy vs Neobanc vs Casa (Quick Take)
- Chexy → best for maximizing credit card points
- Neobanc → best for simple cashback
- Casa → best for minimizing fees
Best choice if you're optimizing for points — not cashback.
See full comparisonWhat it costs
Fees & pricing
- Transaction fee
- ~1.75% (credit card)
- Monthly cost
- $0
Promotional 0% fee periods are common for new users. ~2.5% on foreign cards.
What you earn
Cards & rewards
- Accepted networks
- Visa · Mastercard · Amex · PAD
- Rewards
- Aeroplan partnership + your full credit card rewards
Chexy has a direct Aeroplan partnership on top of letting you keep 100% of your card's earn rate. Pairing a 2x Aeroplan card on a $2,000 rent payment yields ~4,000+ points monthly before bonuses.
Credit cards only (Visa, Mastercard, Amex). Mastercard added April 2026.
Build your file
Credit reporting
- Reports payments?
- Yes
- Bureaus
- Equifax
Optional credit-building add-on reports your rent payments to Equifax Canada to help establish or strengthen your credit file.
The plumbing
Payout & coverage
- Payout speed
- 1–3 business days
- Method
- Interac e-Transfer to your landlord
- Provinces
- All Canadian provinces & territories
- Requirements
- Canadian renter, valid Canadian credit card
Worth knowing
Hidden Considerations
- •Your credit card is charged before rent is delivered, which can temporarily increase credit utilization.
- •Timing matters — payments may process a few days before your landlord receives funds.
- •Your landlord receives a normal Interac e-Transfer and does not need to sign up.
Honest take
Pros & cons
Pros
- Most polished and reliable of the three
- Aeroplan partnership stacks on top of card rewards
- Broadest card support — Amex, Visa, MC + PAD
- Established product with the largest user base
- Supports pre-authorized debit (set-and-forget payments)
Cons
- Higher 2.5% fee on foreign cards
- Only reports to Equifax (single bureau)
- No mortgage or credit card bill payments
- Not CDIC insured
