In This Issue: 

​​💳 Pay Bills With Chexy Wallet

💙 Chexy is Hiring

🚀 The Best Credit Cards for 2025: Our Predictions

✅ Aeroplan Elite Status: What It Is and How You Can Earn It

🗺️ Chexy Deals: London, Milan and Paris (Business Class)

🤑 Pay Your Bills with Chexy Wallet

Reminder: We have launched Chexy Wallet for all active rent payment users. Think bills like tuition, insurance, health memberships, gym fees, parking, babysitters, car Leases, phone bills – basically, all those bills you wish could earn you rewards. 🏠📲

With the first version of our Chexy Wallet, managing your household expenses just got easier (and smarter). We’ve seen some of you sneak in early and start using it already – we see you. 👀

How to Get Started:

1. Log In & Add Subscriptions: Head to your Chexy Dashboard and add your recurring bills.

2. Enter Subscription Info: Fill in the payee details, amounts, and due dates.

3. We Handle the Rest: We’ll charge your card and take care of the payments automatically.

Simplify your life and turn those boring bills into sweet, sweet rewards. Check out more details here!

🚀 We’re Hiring!

At Chexy, we believe in creating opportunities for our community 💙. We love hiring from our audience because who better to join our team than the people who understand our mission best?

If you’re passionate, driven, and want to be part of a team that’s making a difference, we’d love to hear from you!

Explore our open roles and apply today: chexy.applytojobs.ca 🧑‍💻✨

✨ The Best Credit Cards for 2025: Our Predictions

✨ The Best Credit Cards for 2025: Our Predictions

As we enter 2025, the Canadian credit card market offers more ways than ever to earn rewards, cashback, and travel perks. Whether you want to save on your everyday spending or jet off to your bucket list destinations, we’ve curated the top credit cards that will stand out in 2025.

Let’s dive into our predictions, of why these cards are worth having in your wallet.

🤭 Note: Many of these cards come highly recommended by the Chexy team.

💳 Scotiabank Momentum Visa Infinite Card

The Scotiabank Momentum Visa Infinite Card is a game-changer if you want to maximize rewards on everyday expenses like rent, groceries, and subscriptions.

Why We Love It

With 4% cashback on recurring bill payments, including rent and bills throughChexy, this card makes your largest expenses work for you. For example, paying $2,000 in monthly rent could earn you $550+ in cashback annually—money that can go toward travel, savings, or other essentials. ✅

Perks and Benefits

• Welcome Bonus: 🎉 Earn 10% cashback on all purchases for the first 3 months (up to $2,000 in spending).

• Annual Fee: $120 (waived for the first year).

Earn Rates:

🛒 4% cashback on groceries and recurring bill payments.

🚗 2% cashback on gas and transit.

🛍️ 1% cashback on all other purchases.

Additional Perks:

• Fairly good travel insurance.

• Visa Infinite benefits like concierge services and exclusive dining offers.

• Purchase security and extended warranty protection.

Why You Should Get It: If you’re paying significant recurring expenses like rent and bills, this card is ideal for maximizing cashback with minimal effort.

💳 American Express Cobalt Card

The Amex Cobalt is the go-to card for foodies and travelers who want to turn their everyday spending into valuable rewards.

Why We Love It

With 5x points on dining and groceries, this card rewards Canadians who prioritize experiences. With the average Canadian household spending over $3,000 annually dining out, that’s 15,000 points just from eating out!

Perks and Benefits

• Welcome Bonus: 🎉 Earn up to 30,000 Membership Rewards points in the first year.

• Annual Fee: $155.88 ($12.99/month).

Earn Rates:

🍴 5x points on dining and groceries.

⛽️ 2x points on gas and transit.

💳 1x point on all other purchases.

Additional Perks:

• Flexible redemption options, including travel and statement credits.

• Amex Offers and Front Of The Line ticket presales.

• Comprehensive travel and shopping insurance.

Why You Should Get It: This card is perfect for Canadians who spend heavily on dining and groceries and want flexible reward options for travel.

💳 TD Aeroplan Visa Infinite Card

For frequent flyers, the TD Aeroplan Visa Infinite is packed with perks that make traveling more rewarding and less stressful.

Why We Love It

Aeroplan points are one of the most valuable loyalty currencies in Canada. With 40,000 points as a welcome bonus, you’re halfway to a round-trip flight to Europe in economy class.

Perks and Benefits

• Welcome Bonus: 🎉 Earn up to 40,000 Aeroplan points.

• Annual Fee: $139 (rebated for the first year).

Earn Rates:

🛫 1.5x Aeroplan points on Air Canada purchases.

🛒 1x points on groceries and dining.

💳 1 point per $1.50 spent on other purchases.

Additional Perks:

• Free first checked bag on Air Canada flights.

• Priority check-in and boarding.

• Comprehensive travel insurance, including trip interruption and emergency medical coverage.

Why You Should Get It: If you frequently fly with Air Canada or its partners, this card is ideal for earning valuable points and enjoying travel perks.

💳 Scotiabank Gold American Express Card

The Scotiabank Gold Amex is perfect for Canadians who love travel, and entertainment, and no foreign transaction fees.

Why We Love It

With 6x Scene+ points on groceries, dining, and entertainment, plus no foreign transaction fees, this card is ideal for international shoppers and travelers. For example, you’ll save up to 2.5% on all purchases made abroad or in foreign currencies.

Perks and Benefits

Welcome Bonus: 🎉 Earn up to 45,000 Scene+ points.

Annual Fee: $120 (waived for the first year).

Earn Rates:

🛒 5x points on groceries, dining, and entertainment.

🚆 3x points on gas and transit.

💳 1x point on all other purchases.

Additional Perks:

Flexible redemption options for travel, entertainment, or statement credits.

Comprehensive travel insurance.

Amex Front Of The Line® access for tickets and events.

Why You Should Get It: Travelers and online shoppers will love the flexibility, high earn rates, and savings on foreign transactions.

💳 American Express Platinum Card

For those seeking luxury, the Amex Platinum is unbeatable.

Why We Love It

With 140,000 Membership Rewards points as a welcome bonus, you can transfer those points 1:1 to Aeroplan and book business class flights. The perks are unmatched, including lounge access and premium hotel benefits.

Perks and Benefits

• Welcome Bonus: 🎉 Earn up to 140,000 Membership Rewards points.

• Annual Fee: $799.

Earn Rates:

🍴 3x points on dining.

✈️ 2x points on travel.

💳 1x point on all other purchases.

Additional Perks:

• Priority Pass and Centurion Lounge access.

• Hotel upgrades, late checkouts, and credits.

• Comprehensive travel and shopping insurance.

Why You Should Get It: Frequent travelers who value luxury and exclusive perks will love this card

✈️ How to Maximize Rewards with MR Points and Aeroplan Transfers

One of the smartest ways to unlock travel experiences is by transferring your American Express Membership Rewards (MR) points to Aeroplan at a 1:1 ratio.

Here’s how to do it:

1. Log in to your Amex account

2. Navigate to the Membership Rewards section.

3. Select “Transfer Points.”

4. Link your Aeroplan account if you haven’t already, then choose how many points to transfer in increments of 1,000.

Once the points are in your Aeroplan account (usually instantly), you can redeem them for flights on Air Canada or any of its Star Alliance partners. This means access to over 1,300 destinations worldwide.

For instance, just 60,000 Aeroplan points can secure you a one-way business-class ticket to Europe—a flight that could cost more than $3,000 in cash.

✈️ Aeroplan Elite Status: What It Is and How You Can Earn It

If you love traveling or have ever heard of Air Canada’s Aeroplan rewards program, you’ve probably come across the term Aeroplan Elite Status. But what is it exactly? Why do so many people want it (including Chexy staff)? And most importantly, how can you get it?

Let’s break it down in simple terms so you can start planning your next big adventure.

🤔 What is Aeroplan Elite Status?

Aeroplan Elite Status is essentially an exclusive club for travellers who use Air Canada and its partners regularly. Think of this as leveling up in a game or reaching goals in a competition: the more you fly and spend, the more perks you unlock.

These perks make travel easier and more enjoyable, like skipping long lines at check-in and security, getting free checked bags, enjoying airport lounges with comfy seating, snacks, and drinks, and upgrading to better seats on flights.

It’s available in five levels: 25k, 35k, 50k, 75k, and Super Elite. The higher you climb, the better the perks. Each tier builds on the previous one, so even starting at 25k can add a little sparkle to your travel routine. The best part? You can earn your way to Elite Status not just by flying frequently but also by spending smartly—yes, even your grocery shopping and rent payments can help!

Here’s a breakdown of the tiers:

So, How Do You Earn Aeroplan Elite Status?

You can earn Elite Status in two main ways:

Fly Frequently with Air Canada or Partners 

Every time you book and fly, you earn qualifying miles (how far you fly), segments (how many flights you take), and dollars (how much you spend). Here’s what these mean:

SQM (Status Qualifying Miles): The distance you fly. For example, a flight from Toronto to Vancouver is about 2,000 miles, so you earn 2,000 SQM.

SQS (Status Qualifying Segments): The number of flights you take. One takeoff and landing equals one segment.

SQD (Status Qualifying Dollars): How much you spend on your ticket’s base fare. Spend $500, and you earn 500 SQD. To reach 25k Status, you need 25,000 SQM, 25 SQS, or $3,000 SQD in a year.

The higher levels require more miles, flights, or dollars, but the perks also increase significantly.

Use Everyday Spending 

Don’t fly often? Aeroplan lets you earn status through Everyday Status Qualification (EDQ). This means you can work toward Elite Status by spending money on things like groceries, dining, or even rent using an Aeroplan-linked credit card or partners like LCBO and Starbucks.

For example, every 1,000 Aeroplan points you earn counts toward EDQ. If you use an Aeroplan credit card that gives bonus points on groceries or even rent, you can rack up points—and status—without boarding a plane.

💳 How Credit Cards Can Help You Earn Status Faster

If you’re not flying every week, credit cards are your best friend for earning Elite Status. By using an Aeroplan credit card, you earn points on every dollar you spend—on groceries, dining, travel, and even rent.

For example, American Express Aeroplan Reserve Card offers up to 3 points per dollar on Air Canada purchases and 1.25 points on everything else. If you pay your rent through Chexy, which allows you to earn points on rent, you could accelerate your journey to Elite Status without stepping on a plane.

💼 Is Aeroplan Elite Status Worth It?

Yes, if you travel often. If you fly regularly, the perks are a no-brainer. Lounge access, priority lines, free bags, and upgrades save you time and money while making travel much more enjoyable. Plus, if you’re travelling internationally, the value of lounge access alone can make it worth it.

Maybe not, if you travel infrequently. If you only fly once or twice a year, it might not be worth the effort to earn or maintain Elite Status. However, even hitting 25k Status can improve your experience with perks like waived fees and free seat upgrades.

🔑 Quick Tips to Reach Elite Status

1. Use an Aeroplan Credit Card: Cards like the Amex Aeroplan Reserve or CIBC Aeroplan Visa Infinite Privilege let you earn points on everyday purchases and come with perks like free checked bags and priority boarding.

2. Shop with Aeroplan Partners: Earn bonus points at LCBO, Starbucks, and Uber Eats.

3. Pay Big Bills Through Chexy: Maximize your rent and bill payments by earning points on one of your biggest expenses.

4. Fly Smart: Book flights directly with Air Canada or Star Alliance partners to maximize qualifying miles and dollars.

Credit Card Spotlight 🔦

Welcome to Chexy Credit Card Spotlight! 👀 Each month we’ll recommend a credit card that everyone should have! This time, we’ve got the Scotiabank Gold American Express—perfect for everyday buys and travel. Let's jump in. ✅

Scotiabank Gold American Express Card

Earn up to 6X the Scene+TM points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.

Earn Rates:

6X on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland, and more.

5X for every $1 CAD you spend on Dining, Food Delivery, and other eligible grocery stores.

5X for every $1 CAD you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

3X for every $1 CAD you spend on gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.

3X for every $1 CAD you spend in Canada on eligible select streaming services.

1X on Everything Else

Annual Fee:

The card has a $120 annual fee but your first year is waived!

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

1. Toronto(YYZ) ➡️ Frankfurt (FRA) ➡️ London (LHR)

   • Cost: 70,000 (Business Class)

     

   • Dates: March 3rd, 2025

   • Book: Here

2. Toronto (YYZ) ➡️ Warsaw (WAW) ➡️ Milan (MXP)

   • Cost: 70,000 (Business Class)

     

   • Dates: January 20th, 2025

   • Book: Here

3. Toronto (YYZ) ➡️ Warsaw (WAW) ➡️ Paris (CDG)

   • Cost: 70,000 (Business Class)

     

   • Dates: March 9th, 2025

   • Book: Here