Two Weeks in Japan, Then a Week in Boracay
Osaka. Hiroshima. Nagano. Tokyo. Then straight on to the Philippines.
Next spring it is the Philippines again, Cebu and Bohol, plus somewhere I have not been.
People assume trips like that are a spending problem. They are not. They are a routing problem, and once you see it you cannot unsee it.
The Money That Earns You Nothing
Look at what leaves your account every month.
Rent or condo fees. Property tax. Insurance. Tuition. Hydro. The big, boring, unavoidable ones.
None of it earns you a thing. It goes out by pre-authorised debit and that is the last you see of it.
Meanwhile the card in your pocket is busy earning points on groceries and coffee, which is loose change next to the numbers above.
That gap is the whole idea.
What Chexy Does
Chexy is a Canadian service that lets you charge those bills to a credit card.
You pay Chexy on the card. Chexy pays your landlord, your city, your insurer, by e-Transfer or bill payment. As far as they are concerned nothing changed. They never see a card.
You get the points.
What You Can Put Through It
On a Visa, Mastercard or Amex:
- rent
- utilities
- insurance
- daycare, K-12 and university tuition, and child support
- CRA, Revenu Québec and municipal property tax
And these on a Visa or Mastercard:
- a house cleaner or landscaper
- phone and internet
- a car lease
- gym and wellness memberships
What it will not do is repay debt. Credit cards, personal loans and buy now pay later are all out.
What Actually Happens
Here is the part that is not on their site.
Chexy pays your payee by e-Transfer or bill payment. If your payee accepts one of those, the money arrives.
My own car is financed rather than leased, and a car loan sits on the official no list. It goes through every month anyway, because the finance company takes bill payments.
I am telling you that because it is true, not because I am promising it will work for you. Try a small payment first.
What It Costs
1.75% on any Canadian Visa, Mastercard or American Express.
That is it. No subscription, no tiers to buy, no minimum.
If your card gives back more than 1.75% in value, every bill you move is money you were never going to see again.
Set It Once and Forget It
This is the part that sold me.
You set up a recurring payment once. The bill, the amount, the date, the card. After that it runs itself.
- hydro goes out on time
- property tax goes out on time
- insurance goes out on time
- the points land on their own
Pause any of them, restart them, delete them, whenever you like.
The only thing left on your plate is the one you already had. Pay your credit card in full every month.
One bill instead of nine, and the nine are all earning.
And the Mortgage One Is Brand New
This launched on 4 August 2026 and it is the first of its kind in Canada.
A mortgage still cannot go on a credit card. It never could, and I tried. What changed is that Chexy will now let you fund a mortgage payment from a Visa Debit or Debit Mastercard and pay you one Aeroplan point for every dollar.
On a $3,000 monthly mortgage that is 36,000 Aeroplan points a year, on a payment you were making regardless.
It also earns status credits, one for every five points, up to 25,000 a year.
Status without setting foot on a plane is a different kind of prize.
Where It All Goes
The points do not sit in an account looking pretty. They go back out.
I book long-haul about five to six months ahead through the Avion travel portal. The lead time matters more than people expect. The good seats go early.
This spring that was Japan and the Philippines. Next March and April it is Cebu and Bohol, plus somewhere I have not been yet.
Same bills. Same money leaving the account every month. Different departure board.
What It Added Up To
Last year I put close to 200,000 points on my RBC card.
Not by spending more. By refusing to let ordinary life leave my account without earning something on the way out.
What Your Bills Are Actually Worth
Every $10,000 you route through Chexy on a card earning 1.25 points per dollar comes back as 12,500 points.
So add up what leaves your chequing account every year and never touches a card:
- property tax
- hydro, gas and water
- home and auto insurance
- internet and phone
- CRA payments and instalments
- tuition or daycare, if that is your life
For a lot of Toronto homeowners that list runs $20,000 to $30,000 a year.
That is 25,000 to 37,500 points you are leaving on the table. Every year. On money you were spending anyway.
Two years of that is a seat to the other side of the world.
The Aeroplan Bonus Sits On Top
This part is separate from your card's own points and stacks with them.
Chexy is running an Aeroplan offer worth up to 7,000 points:
- 1,000 on your first qualifying payment
- 125 points per payment after that, up to four payments a month
- 500 a month, so 6,000 over the year
You do not need an Aeroplan co-branded card. You just need your Aeroplan number on the account.
The Clock
You have until 30 September to make your first payment.
That is the only deadline. The twelve months run from your first payment rather than the calendar, so joining on the last day still gives you the full year to collect.
Miss it and the offer is gone.
The Perk Nobody Mentions
Turn on Credit Builder and every on-time rent payment is reported to Equifax.
No new loan. No hard credit check. Just credit built out of a payment you were making anyway.
One Rule, and It Is Not Optional
Pay the card off in full every month.
Card interest runs around 20%. Points are worth about two cents. There is no card in Canada that earns faster than interest costs.
Clear it and this is close to free money. Carry it and you have bought an expensive loan with a nice logo.
Start Here
Use that link and you get a $20 bonus. I get credit toward a lower fee on my own payments. That is the deal, and I would rather say it plainly than bury it at the bottom.
Then pick one bill. Your hydro, your insurance, whichever is smallest. Set it up once and watch what happens.
And Yes, I Will Be Away Again
Fair warning, since you are going to notice.
March and April next year I am gone for two to three weeks. Philippines, then somewhere new.
Book before I go, and try not to hold it against me.
Bottom Line
Rent, tax, insurance and hydro are the biggest cheques you write, and the only ones earning absolutely nothing.
Chexy puts them on a card for 1.75%, sets itself up once, and then runs quietly in the background for the rest of your life.
Pay the card in full every month and that is the entire catch.
Do it for a year and it is not a free coffee. Do it for two and it is a seat to the other side of the world.
I will be on one of them in March. Come see me before I go.