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Chexy Referral Code, Fees & Aeroplan Points

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Takes 5 minutes

Pay rent by credit card, earn Aeroplan points, and get $20 back

The Chexy referral code REF-T44GRQ gives new users $20 cash back on their first payment. Sign up with our link, then pay your rent or another bill with a credit card through Chexy. Chexy charges 1.75% on Canadian Visa, Mastercard and Amex cards, and the $20 comes back on that first payment.

Get $20 with Chexy arrow_outward

confirmation_number Chexy referral code: REF-T44GRQ Enter it at sign-up if it isn't filled in for you.

Opens Chexy's sign-up page with code REF-T44GRQ applied.

verified Verified September 2026

$20 cash back on your first Chexy payment

  • payments$20 cash back on your first payment
  • homePay rent, utilities, taxes and more by card
  • credit_cardCanadian Visa, Mastercard and Amex: 1.75% fee

Sign up and pay in the app (limited time)

Chexy's 2026 referral terms add a limited-time $20 bonus for new users who sign up in the Chexy mobile app and make their first payment there. Chexy hasn't published an end date, so do both steps in the app while it runs.

The Chexy referral code REF-T44GRQ gets new users $20 cash back on their first payment. Chexy lets Canadians pay rent with a credit card, along with utilities, taxes, condo fees, insurance, tuition and child care, and sends the money to the payee by Interac e-Transfer, Bill Pay or pre-authorized debit. The referral terms come from Chexy's 2026 referral program page and the fees from Chexy's home page, both checked September 27, 2026.

How do I use a Chexy referral code?

  1. link

    Sign up through our Chexy referral link

    Chexy says a new user must sign up through the referral link for the referral to track. Our link applies code REF-T44GRQ for you.

  2. credit_card

    Add your credit card and your payee

    Add a Canadian Visa, Mastercard or American Express card, then add your landlord or the bill you want to pay.

  3. receipt_long

    Make your first payment

    Pay your rent or a bill through Chexy. Chexy charges your card 4 business days before the due date and pays the payee for you.

  4. celebration

    Get $20 cash back

    Chexy gives you $20 back on that first payment as Chexy Cash, usually within a few business days. Chexy Cash goes toward your future Chexy payments; it can't be withdrawn.

Who is the Chexy referral code for?

  • check_circleRenters in Canada who want to pay rent with a credit card: Chexy rent payments go to your landlord by e-Transfer.
  • check_circlePeople chasing credit card rewards, such as Aeroplan or Amex points, on bills they already pay.
  • check_circleAnyone who has never had a Chexy account.

What do you get with Chexy, including Aeroplan points?

  • payments$20 cash back on your first payment when you sign up with a referral code.
  • homeRent, utilities, taxes, condo fees, insurance, tuition, gym memberships and child care can all go on a card.
  • sendYour landlord or payee is paid by Interac e-Transfer, Bill Pay or pre-authorized debit, so they don't need to accept cards.
  • flightThe Chexy Aeroplan partnership earns Aeroplan members 1 point per $1 paid through Chexy, on top of what your credit card earns.

Chexy fees and referral bonus

What you get, and what Chexy charges per payment.

Referral bonus

$20

Back on your first payment, as Chexy Cash for future payments.

Canadian cards

1.75%

Fee per payment on Canadian Visa, Mastercard and Amex.

International cards

2.5%

Fee per payment on cards issued outside Canada.

Example

$35

The 1.75% fee on a $2,000 rent payment.

Fees as listed on chexy.co on September 27, 2026.

Chexy review: is paying rent with a credit card worth it?

It comes down to whether your card earns more than the 1.75% fee.

Worth it when

Your card's rewards on the payment are worth more than 1.75%, or you need the spend to reach a welcome bonus.

Not worth it when

Your card earns less than 1.75% back, or you carry a balance and pay interest.

First $20 of fees

The $20 in Chexy Cash covers the 1.75% fee on about $1,140 of payments.

Chexy referral code FAQ

What is the Chexy referral code? expand_more
Our Chexy referral code is REF-T44GRQ. New users who sign up with it get $20 cash back on their first payment through Chexy.
How much is the Chexy referral bonus? expand_more
$20 cash back on your first payment. Chexy is also running a limited-time app bonus of another $20 when you sign up and make your first payment in the Chexy mobile app.
What are Chexy's fees? expand_more
Chexy charges 1.75% per payment on Canadian-issued Visa, Mastercard and American Express cards, and 2.5% on international cards. On a $2,000 rent payment, the 1.75% fee is $35.
Can I pay rent with a credit card in Canada? expand_more
Yes. Chexy charges your credit card and pays your landlord by Interac e-Transfer, Bill Pay or pre-authorized debit, so your landlord does not have to accept cards.
Is Chexy legit? expand_more
Chexy is a Canadian bill payment platform that launched in 2023. It says more than 200,000 Canadians use it and that it has processed more than $2 billion in bills, and it is an official Aeroplan partner. Your landlord or biller is paid by Interac e-Transfer, Bill Pay or pre-authorized debit.
Can I earn Aeroplan points with Chexy? expand_more
Yes. Aeroplan members who add their Aeroplan number to Chexy earn 1 Aeroplan point per $1 paid through Chexy, according to chexy.co/aeroplan.
What bills can I pay with Chexy? expand_more
Rent, utilities, taxes, condo fees, insurance, tuition, gym memberships, child care and more, according to Chexy.
When does Chexy charge my card? expand_more
Chexy charges your card 4 business days before the payment's due date, then sends the payment to your payee.
Can I use a Chexy referral code after signing up? expand_more
Chexy says new users must sign up through a referral link for the referral to track, so use the link before you create your account.

Terms verified on September 27, 2026 against Chexy's 2026 referral program page and chexy.co. Chexy can change or end the offer at any time.

About Chexy

Chexy is a Canadian platform for paying rent and bills with a credit card. It accepts Canadian Visa, Mastercard and American Express cards, charges a fee per payment, and pays the recipient by Interac e-Transfer, Bill Pay or pre-authorized debit. Chexy says more than 200,000 Canadians use it.

Get $20 Cash Back with Chexy arrow_outward

New Chexy users only. Code REF-T44GRQ is applied by the link.