Chexy has long been a gem for Canadians looking to earn credit card rewards on payments that usually go unrewarded—like rent, utilities, and taxes.
By using Chexy, users have been able to put these big-ticket expenses on their credit cards, earning points (and hitting minimum spend thresholds) while paying a modest processing fee.
Now, thanks to a new partnership between Chexy and Aeroplan, the value proposition just got even better.
From April 15 to July 15, 2025, new and existing users can earn bonus Aeroplan points just for paying rent and bills through the Chexy platform. That’s on top of whatever credit card points you’d normally earn.
With support for Canadian-issued American Express and Visa credit cards – including Aeroplan cards – it’s one of the rare ways to double dip on your biggest monthly payments.
How Chexy Works: A Quick Refresher
Chexy is a Toronto-based fintech company that lets you pay rent, bills, and taxes via credit card—even when your landlord or biller doesn’t accept them directly.
Payments are processed securely through Chexy’s platform and issued to the payee via Interac e-Transfer, Bill Pay, or Pre-Authorized Debit.
Users pay a modest processing fee—1.75% for Canadian-issued Visa and American Express cards—which is the lowest in the Canadian market. You can also use international Visa, American Express, and Mastercard products for a 2.5% processing fee.
In return, you unlock rewards on payments that would otherwise earn you nothing, and even build credit if you opt in to Chexy’s rent reporting feature via Equifax.
With this new Aeroplan promotion, the value of each payment gets even sweeter.
Earn Up to 10,000 Bonus Aeroplan Points!
Chexy enables users to pay rent, utilities, and even taxes by credit card—expenses that typically don’t earn rewards. Now, with Aeroplan on board, those payments could take you closer to a trip on points.
New Chexy users who join as of April 15, 2025 are eligible to earn up to 10,000 bonus Aeroplan points with this offer.
Here’s how the limited-time Aeroplan offer breaks down:
- Earn 2,000 Aeroplan points on your first payment with Chexy
- Earn 5,000 Aeroplan points after processing $5,000 in payments through Chexy within the first six months
- Earn 500 Aeroplan points for the second and any subsequent recurring bills within six months (up to 2,000 Aeroplan points)
- Earn 1,000 Aeroplan points on your 12th consecutive month of payments through Chexy
To qualify, all transactions must be successfully processed, meaning the card is charged and the payment is issued. Points may take up to four weeks to post to your Aeroplan account.
If you’re an existing Chexy user, sign into your Chexy account to look for your individual offer, which ranges from 2,000–4,000 Aeroplan points. The milestones to reach your individual limited-time offer will also be found on your Chexy dashboard.
Use Almost Any Credit Card—Stack with Travel Rewards
One of Chexy’s biggest advantages is flexibility: you can use your choice of credit card to make payments through the platform, whether you’re aiming for flights or just want a bit of money back each month.
For Miles and Points Travellers
If you’re in the game for travel rewards, using a card that earns travel points can result in serious value—especially when paired with the new Aeroplan bonus.
For example, if you use a premium Aeroplan credit card, such as the American Express Aeroplan Reserve Card, the TD Aeroplan® Visa Infinite Privilege* Card, or the CIBC Aeroplan Visa Infinite Privilege Card, you’ll earn 1.25 Aeroplan points per dollar spent on payments via Chexy.
Alternatively, if you use a core Aeroplan credit card, such as the American Express Aeroplan Card, the TD Aeroplan® Visa Infinite* Card, or the CIBC Aeroplan Visa Infinite* Card, you’ll earn 1 Aeroplan point per dollar spent on payments via Chexy.
| Credit Card | Best Offer | Value | |
|---|---|---|---|
Up to 85,000 Aeroplan points† $599 annual fee |
Up to 85,000 Aeroplan points† | $871 | Apply Now |
85,000 Aeroplan points $599 annual fee |
85,000 Aeroplan points | $858 | Apply Now |
Up to 40,000 Aeroplan points† First Year Free |
Up to 40,000 Aeroplan points† | $683 | Apply Now |
40,000 Aeroplan points $120 annual fee |
40,000 Aeroplan points | $573 | Apply Now |
Up to 45,000 Aeroplan points† $139 annual fee |
Up to 45,000 Aeroplan points† | $525 | Apply Now |
Up to 20,000 Aeroplan points† First Year Free |
Up to 20,000 Aeroplan points† | $434 | Apply Now |
10,000 Aeroplan points† $0 annual fee |
10,000 Aeroplan points† | $210 | Apply Now |
These points come in addition to the points you can earn through this limited-time offer, which will boost your Aeroplan balance on a recurring basis.
Pay bills with an Aeroplan credit card and get closer to a redemption
Alternatively, you can use a card with a high baseline earning rate, such as the Business Platinum Card from American Express or the RBC® Avion Visa Infinite Privilege†, which both earn 1.25 points per dollar spent.
Travel Credit Cards with High Baseline Earning Rates
For Cash Back Maximizers
If travel rewards aren’t your thing, Chexy still holds plenty of value—especially when paired with cash back credit cards that offer elevated earn rates on recurring bill payments. Since Chexy payments are coded as recurring bills, certain cards can help you come out ahead even after factoring in Chexy’s 1.75% fee.
For example, the Scotia Momentum® Visa Infinite* Card earns 4% cash back on recurring bills, resulting in a net return of 2.25% after fees. TD® Cash Back Visa Infinite* Card offers 3% back on the same category, leaving you with a respectable 1.25%. Meanwhile, CIBC Dividend® Visa Infinite* Card earns 2% back on recurring bills, which still results in a small profit on rent payments.
Whether you’re looking to offset your rent costs with cash back or earn rewards for your next trip, Chexy’s new partnership with Aeroplan opens the door to maximizing value on some of life’s biggest unavoidable expenses.
Credit Cards with Bonus Cash Back on Recurring Payments
Invite Friends, Earn More!
This new partnership also includes a referral aspect.
New and existing users can earn 1,000 Aeroplan points per referral, in addition to Chexy’s existing $15 cash referral bonus. To qualify, your referral needs to complete a successful first payment—not just sign up and disappear.
While the referral bonus of 1,000 Aeroplan points is capped at 10 referrals (up to 10,000 points each calendar year), you’ll continue to earn the $15 Chexy referral bonus for every additional friend you refer beyond that cap.
Plus, there’s an additional incentive to refer your friends, since you’ll pay a progressively lower processing fee as you bring more people into the Chexy ecosystem:
- 3 referrals = Pink Referrer Status → 1.5% processing fee
- 5 referrals = Gold Referrer Status → 1.0% processing fee
- 10 referrals = Elite Referrer Status → 0.5% processing fee
These referral counts reset each January, but they offer a compelling way to shrink your Chexy fees—and stretch the value of every dollar you run through the platform.
Do the Benefits Outweigh the Costs?
Chexy charges a processing fee of 1.75% for Canadian issued credit cards. While that may seem like a drawback, the potential return often outweighs the cost—especially if you’re earning Aeroplan points at our estimated value of 2.1 cents per point
Say you pay $2,000 in rent using a TD Aeroplan Visa Infinite Privilege* Card. You’d be charged $2,035 including the processing fee, but you’d earn 2,000 Aeroplan points (2,000 from your first successful payment with the limited-time offer) and 2,544 Aeroplan points from your card (2,035 x 1.25 = 2,544 points).
That’s a combined return worth around $95, while the fee only cost you $35.
Factor in Chexy’s referral program—which can lower your processing fee based on how many people you refer—and the equation starts to work heavily in your favour.
A New Partner in the Aeroplan Ecosystem
Chexy is now officially part of the Aeroplan conversation, joining brands like Starbucks, Uber, and LCBO in its everyday ecosystem. While Chexy isn’t an “everyday earn” partner (so you won’t earn 1 Aeroplan point per $1 spent by default), this promotion brings it front and centre—and gives new users a reason to dive in.
If you’re starting fresh with Chexy and Aeroplan, this is about as easy as it gets to earn meaningful rewards on otherwise boring expenses.
Conclusion
Chexy’s new Aeroplan partnership brings loyalty rewards to life’s most boring expenses—like rent and bills.
For frequent flyers and points collectors alike, it’s a no-brainer. Set it, forget it, and start earning toward your next flight, all while doing what you were going to do anyway: paying the bills.
If you’re going to spend a fortune on rent and bills anyway, you may as well get rewarded for it.
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