How to Pay Rent in Canada with a Credit Card

Paying rent with a credit card wasn’t always possible — but services like Chexy are changing that. Whether you're chasing points, elite airline status, or cashback, using the right card to pay rent can be surprisingly rewarding.

Why Pay Rent with a Credit Card?

• 💰 Earn points or cashback on your biggest monthly expense
• 🎯 Hit large welcome bonus thresholds
• 🧳 Build airline status with spend-based programs
• 🔁 Smooth out cash flow and payment timing

How Chexy Works

Chexy acts as a middleman — it charges your Visa or American Express card and pays your landlord via e-transfer or direct deposit.

• ✅ Accepted cards: Visa and Amex (no Mastercard)
• ⚠️ Processing fee: 1.75%
• 🔗 Setup: Create an account, link your card, and input your landlord’s payment details

Best Credit Cards to Use

🎯 For Hitting Welcome Bonuses

American Express Platinum Card

• 💎 Earn up to 100,000 MR points after spending $10,000 in 3 months
• 📦 Rent payments via Chexy help meet the spending requirement quickly
• 🛫 Great for business class redemptions and lounge access

Apply Now

📈 For Ongoing Base Rewards (1.25x+)

Amex Business Platinum

• 💼 1.25 MR points per dollar on all purchases
• 🔄 Great for non-category spending like rent
• 🌍 Transfer to Aeroplan, Avios, and more

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CIBC Aeroplan Visa Infinite Privilege

• 🛫 Earn 1.25 Aeroplan points per dollar on everything
• 🏆 Rent spend counts toward Status Qualifying Dollars (SQD)
• 🧾 Comprehensive travel insurance coverage

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RBC Avion Visa Infinite Privilege

• 🎁 Earn 1.25 RBC Avion points per dollar
• 💸 Flexible redemptions including flights, gift cards, or travel credit
• ✈️ Transfer to Avios, WestJet Rewards, and more

Apply Now