Chexy 更强了! 不仅是房租神器, 还可付税、交杂费【额外 Aeroplan 奖励】

【2025.04.15 更新】感谢群友 Jacob 分享： 现在使用 Chexy 有更多奖励 – Aeroplan！使用博客推荐链接注册 获得 $15 奖励

• 链接 Chexy 和 Aeroplan 账户

打开 Chexy 主页，页面下方可以看到 Aeroplan 标志，下面左图是主页板块，右图是注册成功之后

• 当下的 Aeroplan 促销活动 分两种

今天 4.15 之后开始首次使用 Chexy 付款，看到的 Aeroplan 活动是：

Milestone	Terms & Conditions
2,000 points after your first payment	– Must link Aeroplan account before first payment is complete – Payment must be activated by July 15, 2025 11:59PM EST – Points will be awarded when payment is complete (e-Transfer must be deposited, Bill Pay must be sent, or Pre-Authorized Debit must be withdrawn)
5,000 points after $5,000 in total payments within your first 6 months	– $5,000 must be net of Chexy fees and any rewards or cashback that’s been applied – Final qualifying payment must be activated within 6 months from activating first payment – Points will be awarded when final qualifying payment is complete
500 points for each recurring payment after the first (up to 2,000 points) within your first 6 months	– Must activate all recurring payments within 6 months from activating first payment – Initial recurring payment does not count – Points will be awarded when first month’s payment is complete for each recurring payment
1,000 points after 12 months of payments	– Must have 12 consecutive months with at least one Chexy payment per month – Points will be awarded when final qualifying payment is complete
1,000 points for each friend you refer to Chexy	– Friend must complete their first payment before July 15 11:59PM EST – Limit of 10 referrals

在 4.15 之前就已经使用 Chexy 付款，看到的 Aeroplan 活动是：

Milestone	Terms & Conditions
500 points for each additional recurring payment added, up to 2,000 points	– Must link Aeroplan account before July 15, 2025 11:59PM EST – Must activate recurring payments before July 15, 2025 11:59PM EST – Points will be awarded when first month’s payment is complete – Points will be awarded when first month’s payment is complete for each recurring payment
2,000 points after reaching 12 consecutive months of payments	– Must link Aeroplan account before July 15, 2025 11:59PM EST – $5,000 must be net of Chexy fees – Final qualifying payment must be complete before points will be awarded – If user has already reached 12 consecutive payments at the time of receiving email in April 2025, points will be awarded when Aeroplan account is linked. Account must be linked before July 15, 2025 11:59PM EST.
1,000 points for each friend you refer to Chexy	– Friend must complete their first payment before July 15 11:59PM EST – Limit of 10 referrals

在 Chexy 刚面世的时候，博客专门一篇文章介绍其作为加拿大交房租神器的功用。基本原理是 Chexy 从用户收取一定的手续费，代用户向房东 interac e-transfer 交房租。手续费比例如下：

• 加拿大 VISA 或者 Amex： 1.75%
• 国际信用卡 （VISA/mastercard/Amex）： 2.5%

如果用户所使用的信用卡提供高返现大于手续费，那么使用 chexy 将实现正收益； 或者用户有一定的 MS 需求（比如开卡任务、升级任务），损失一点手续费也可以接受。在这些情况下， Chexy 就是一个好的选择。

欢迎使用博客推荐链接注册 Chexy，可获得 15 刀奖励！

哪些费用可 Chexy？

现在 Chexy 拓展了业务，实用性更强！不仅仅是每月定时的房租、车长租、公寓管理费等可代缴，其他一次性的交费也可以使用 Chexy，比如向 CRA 补税，地税，其他的杂费缴纳比如水电费、学费等。

注意⚠️： 循环账单、每月定时定量缴付的费用可以让 Chexy 按照 Interac e-Transfer, PAD 或者 billpay 的方式代缴。 一次性的交费 只能使用 billpay 的形式。

该刷哪张卡？

像文章开头说的那样，使用哪张卡取决于你想从使用 Chexy 支付税费获得什么？

• 为了完成一定的消费任务

那就在 Chexy 使用那张卡。 损失一定手续费，获得开卡奖励 或者 其他消费奖励

• 为了获得直接的现金/积分收益

使用 Scotiabank Momentum Visa Infinite 来支付 recurring bills， 获得 4% 返现，付出 1.75% 手续费

使用 在一般消费类别返利较高的信用卡来支付 非 recurring bills，比如 1.25x 累积里程的 Amex APR, TD AP VIP, 或者 2% 返现的 Amex SimplyCash Preferred

Rent 房租

这一块内容与博客之前的文章类似， 唯二的区别是： 1， 仅支持 VISA Amex 了， 无法使用 mastercard （比如那张 3% 的 rogers 卡）； 2， 房租支付给房东不仅仅是 e-transfer。

具体步骤：

• Step 1, add rental information

Tell us where you live, who your landlord is and when you pay. 需要验证租房合同。

• Step 2, select how you pay your rent

We support e-Transfer, Pre Authorized Debit and Bill Pay.

• Step 3, add your credit card

Bills 账单

通过 Chexy 使用信用卡支付账单， 付出手续费的同时 获得信用卡积分。Pay all your bills exactly as you do now — while earning rewards on every payment.

具体步骤:

Taxes 税费

我们个人向 CRA 补税 或者 向全加各地市政交房产税时， 也可以借助 Chexy。只能使用 VISA，只能 Bill Pay 形式支付。

具体步骤:

其中 Chexy 强调它不会储存用户的 SIN 信息，当转账成功后，它及时删除相关数据。

Chexy Referral Program

另外 Chexy 的 referral program 也比较慷慨！ 除了每 refer 一位新用户，双方各得 15 刀奖励之外， 多 refer 的话，还可以降低使用 Chexy 的手续费成本：

• 3 referrals = Pink status → 1.5% fee
• 5 referrals = Gold status → 1.0% fee
• 10 referrals = Elite status → 0.5% fee

当然这个 status 只能维持到年底， 每年刷新。

展望

房贷 目前不支持， 以后可能支持？