As Canadian moms, we are the CEOs of our households. We manage the schedules, the snacks, and—most importantly—the budget. For most of us, our biggest monthly expense is rent. But unlike our grocery runs or Starbucks treats, rent has traditionally been a “dead” expense that earns us zero rewards.
Enter Chexy.
If you’ve been hanging around the Canadian travel hacking space, you’ve likely heard this name. Chexy is a game-changer that allows you to pay your rent with a credit card, turning those thousands of dollars into flights, hotel stays, or cold hard cash.
In this guide, I’m breaking down everything you need to know about using Chexy in 2026 to maximize your family’s travel fund.
What is Chexy?
Chexy is a Canadian platform designed to bridge the gap between your landlord (who likely wants an Interac e-Transfer or PAD) and your favorite rewards credit card.
How it works:
- You link your credit card to Chexy.
- Chexy charges your card for your rent amount (plus a small fee).
- Chexy sends the funds to your landlord via Interac e-Transfer, Pre-Authorized Debit (PAD), or Bill Pay.
The best part? Your landlord doesn’t even need to sign up. They receive the money just like they always have, while you rack up the points.
The Strategy: Is the Fee Worth It?
Chexy charges a 1.75% processing fee for Canadian Visa and American Express cards.
At first glance, paying a fee to pay your rent sounds counterintuitive. However, the math works in your favor in two specific scenarios:
- Meeting Minimum Spend: If you just signed up for a new card (like the Marriott Bonvoy American Express) and need to spend $3,000 in three months to trigger a massive welcome bonus, Chexy is the fastest way to get there.
- Category Bonuses: Some cards earn at a rate higher than 1.75%, meaning you are “buying” points at a discount or earning a net profit in cashback.
Best Credit Cards to Use with Chexy (2026)
To make Chexy profitable, you need the right “tool” in your wallet. Here are the top contenders:
| Credit Card | Rewards Rate on Rent | Net Profit (After 1.75% Fee) |
| Scotiabank Momentum Visa Infinite | 4% Cashback (as a recurring bill) | 2.25% Profit |
| American Express Cobalt | 1x MR Point (per $1) | Varies (Great for flexible travel) |
| TD Aeroplan Visa Infinite | 1x Aeroplan (per $1) | High value for Aeroplan fans |
Pro-Tip for Moms: The Scotiabank Momentum Visa Infinite is currently the “Gold Standard” for Chexy. Because Chexy payments often code as “Recurring Bills,” you earn 4% back. On a $2,500 rent payment, you’d net about **$56 in pure profit** every single month. That’s a free date night or a significant contribution to your “Mexico City breakfast fund!”
Beyond Rent: Taxes, Tuition, and More
As of 2026, Chexy has expanded significantly. You can now use the platform to pay:
- Property Taxes: Great for homeowners looking to hit those big spend goals.
- CRA Income Taxes: Turn your tax bill into a flight to Europe.
- Tuition & Daycare: If your provider doesn’t take credit cards, Chexy might be your workaround.
Step-by-Step: How to Get Started
- Sign Up: Create an account at msmiles.ca/chexy (use a referral link to grab a bonus!). Use my link to get $15 off your first payment!
- Upload Your Lease: To prevent fraud, Chexy requires a quick look at your lease agreement.
- Set Your Date: Choose your rent due date. Chexy will charge your card 4 business days prior to ensure the funds arrive on time.
- Choose Your Card: Link your high-earning Visa or Amex.
- Sit Back: Your rent is now automated and rewarding.
Final Thoughts
As we plan our family adventures—whether it’s that big August trip from Europe to North America or a quick getaway to the Fairmont—every point counts. Chexy takes the largest “unrewarded” expense in your life and turns it into a travel engine.
