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👥 Check out our new Chexy Referral Program + We're Hiring for Multiple Roles

👥 Check out our new Chexy Referral Program + We're Hiring for Multiple Roles

Brianna Harrison
December 27, 2025

In This Issue:

👀 New Referral Program

💳 Introducing Multiple Cards: Add Up To 5 Cards

👀 Work With Us (We’re Hiring)

⭐️ Aeroplan 30% Points Buying Discount (ends Jan 24th)

🛫 Chexy Deals: Business Class to Europe + Asia from YYZ, YUL, & YVR

It's official: You can now add up to 5 credit cards to your Chexy wallet.

Here's why this benefits you:

Take advantage of new card offers without disrupting the card you rely on for your bills
Match each payment to the card that benefits you most
Manage all your bills from one single place
Stop choosing between points or cashback and earn both with Chexy

This has been one of the most requested features since we launched Chexy, so it feels great to finally say: it's here.

Our goal has always been simple: to make your largest, most painful payments work for you.

Learn more about multiple cards here.

🚀 Love Chexy? Come Work with Us!

We’re looking for people to join the Chexy team. If you thrive in a fast-paced, ever-changing environment and enjoy helping people, this is your chance to shape the future of our platform while supporting the users you already know and love.

The 2026 Chexy referral program 🎉

A lot of you have been asking about referrals, so we’re happy to say they’re officially here for 2026. This year’s program keeps the parts you liked most (earning lower fees) by referring friends and adds something new that makes those benefits last longer. If the friends you refer keep using Chexy, you can now extend your status into the next calendar year. That means the effort you put into referrals does not stop paying off after just one year.

Below is a clear breakdown of how referrals, fees, cashback, and the new status extension work, and how you can benefit from each part. 👀

How referrals work in 2026

At a high level, referrals work the same way as last year. When you successfully refer friends to Chexy, you earn a referral status. That status directly affects the processing fee you pay on your own payments. The more friends you refer, the lower your fee becomes over time.

Every friend you refer receives $15 cashback on their first completed payment. As you continue referring more people, you can move up through different status levels and unlock lower processing fees for yourself.

Referral statuses and what they mean

Once you refer at least one friend, you enter Starter status. At this level, both you and your friend receive $15 cashback.

When you reach Pink status by referring three friends, your reward shifts from cashback to savings. Your processing fee drops to 1.5%, which can add up to more savings by not eating into your points value. ✅

At five referrals, you reach Gold status and your fee drops even further to 1.0%. At ten referrals, you reach Elite status, where your processing fee is just 0.5%. At every level, your referred friends still receive $15 cashback on their first payment.

*These fee examples assume you are paying with a Canadian credit card, where the standard processing fee is 1.75%.

Paying with an international credit card 🌎

If you use an international credit card, which many of you might. Instead of moving to a fixed fee, your referral status gives you a discount off the higher international rate.

Pink: 0.25% discount
Gold: 0.75% discount
Elite: 1.25% discount

Example:
If you’re in Gold (0.75% discount) and paying with an international card:

2.5% – 0.75% = 1.75% final fee

Limits on discounted spending

Referral discounts apply to up to $50,000 in spending per calendar year. This counter starts on March 1, 2026, when the referral program resets, and resets again at the end of the year.

Once you pass $50,000 in discounted spending, any additional payments are charged at the standard fee for your credit card type. 💳

How cashback works this year 💸

There is a small change to cashback in 2026. You will only receive $15 cashback while you are in Starter status. Once you move into Pink, Gold, or Elite, your reward becomes lower processing fees instead of cashback.

Your referred friends will always receive $15 cashback on their first payment, regardless of your status.

New for 2026: extending your status into 2027 🚀

This is the biggest update this year and something many of you asked for. If the friends you refer continue using Chexy, you can now keep your status for an additional calendar year without needing to refer new people.

Your status extension is based on the number of completed payments made by your referred friends, which we call your crew. 👥 We count payments completed in 2026 by friends you referred in 2026, as long as those payments are completed between January 1 and December 31, 2026. Your own payments do not count toward this total.

By the end of January, you will be able to see your progress toward a status extension directly on the Referrals page.

What you need to extend your status

At the end of the year, we will look at the total number of completed payments made by your crew. If you meet the requirement for your current status, we will automatically extend that status until December 31, 2027.

Status extension thresholds

Pink: 15 completed crew payments
Gold: 50 completed crew payments
Elite: 250 completed crew payments

If you hit the requirement for your current status, we’ll automatically extend it until December 31, 2027. 🫶

A quick example

Ryan refers three friends in 2026, which puts him in Pink status.

Friend 1 pays rent monthly → 12 completed payments
Friend 2 pays property tax → 3 completed payments
Friend 3 pays tuition → 1 completed payment

That’s 16 completed payments total. Since Ryan passed the 15-payment requirement, his Pink status is extended through the end of 2027.

Thanks for spreading the word about Chexy. We built this update to make sure your referrals keep working for you, not just this year, but the next one too.

If you have any questions, please don't hesitate to contact us here.

✈️ Aeroplan Is Offering Up to 30% Off Points. Is It Actually Worth It?

Aeroplan regularly runs promotions that let members buy points at a discount. The latest offer is live now and gives members up to 30% off purchased Aeroplan points, depending on how many points you buy.

This can look tempting at first glance, especially if you are eyeing a premium flight or need a fast top-up. But like most “buy points” promos, whether this is a good deal depends heavily on how you plan to use those points.

Let’s break it down.

🗓️ Promotion Snapshot

Offer: Up to 30% off Aeroplan points
End date: January 24, 2026 at 11:59 PM PT
Program: Aeroplan Buy & Gift Points

During this sale, the discount you receive depends on the number of points purchased.

Discount tiers:

10,000–19,000 points: 15% off
20,000–79,000 points: 20% off
80,000–99,000 points: 25% off
100,000+ points: 30% off

At the highest tier, the effective cost comes down to approximately 2.63 cents per point (CAD) before taxes.

💸 How This Price Compares

Outside of promotions, Aeroplan points are sold at 3.75 cents per point (CAD). The 30% discount does lower that significantly, but it is still above most reasonable redemption valuations.

If you typically value Aeroplan points at around 2.0–2.2 cents each, this promotion means you are buying points at a price that leaves very little upside — or none at all — unless you redeem them very strategically.

📊 How Many Points Can You Buy?

Aeroplan is fairly generous when it comes to purchase limits:

Up to 1,000,000 points per member per calendar year
Up to 250,000 base points per transaction

If you are part of Aeroplan Family Sharing, multiple household members can purchase points separately and pool them together. In theory, a family group could acquire several million points annually.

💳 Best Credit Card to Use (And a Tax Catch)

Aeroplan point purchases are processed through Points.com, which means:

Purchases do not code as Air Canada or travel
You will not earn airline or travel category bonuses

Taxes matter — a lot

If you use a Canadian credit card with a Canadian billing address, applicable sales tax (GST/HST) will be added. This pushes the real cost per point even higher.

If you have access to a US credit card with a US billing address, taxes are typically not applied. In that case, this promotion may also help you work toward a minimum spending requirement on a new card.

🤔 Who Should Consider Buying Aeroplan Points?

Buying points is rarely a blanket “yes” or “no.” It only makes sense in specific situations.

✅ This can make sense if:

You are short a small number of points for an immediate booking
You already found partner airline award space at fixed prices
You need points right now, not months from now

🚫 This usually does not make sense if:

You are buying points speculatively
You mostly redeem on dynamically priced Air Canada flights
You have time to earn points through credit cards or spending

🌍 Partner Airlines Are the Key

Aeroplan’s dynamic pricing can make Air Canada redemptions unpredictable. Prices rise and fall with cash fares, which limits the value of buying points in advance.

Where buying points can shine is with partner airlines that follow fixed award charts based on distance and region. These redemptions often offer better value and more predictable pricing, especially for long-haul international flights.

🧮 Final Take

This promotion lowers the cost of Aeroplan points to around 2.63 cents per point (CAD) at the highest discount tier.

That price is still higher than most realistic redemption values, meaning this is not a great deal for building a large balance from scratch.

However, it can be useful as a precision tool, a way to top up your account when you are just short of a high-value redemption and need points immediately.

As always, the math should come first. If the redemption you have in mind clearly beats the purchase cost, it may be worth it. Otherwise, earning points through cards and everyday spend remains the better long-term play.

Check out these awesome deals you definitely don't want to miss if you're thinking about travelling in the next few months!

Toronto (YYZ)

Toronto (YYZ) ➡️ Frankfurt (FRA) ➡️ Milan (MXP)
- Cost: 70,000 (Business Class)
- Dates: February 24th, 2026
- Book: Here
Toronto (YYZ) ➡️ Frankfurt (FRA)
- Cost: 60,000 (Business Class)
- Dates: July 12th, 2026
- Book: Here