Can You Pay Bills with a Credit Card in Ontario?
6 janv. 2025
Written by
Written by
Brianna Harrison (Credit Card & Travel Writer)
Brianna Harrison (Credit Card & Travel Writer)
Table of contents
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With Ontario’s rising cost of living, finding ways to make your money work harder is more important than ever. If you’re already earning rewards on groceries and other purchases with your credit card, why not do the same for your bills?
From memberships to daycare fees, paying bills with a credit card can help you earn points, cashback, or miles—turning everyday expenses into valuable rewards. In this article, we’ll give you the inside scoop on how to pay bills with a credit card in Ontario.
Can You Pay Bills with a Credit Card in Canada?
Yes, you can pay bills with a credit card in Canada, including Ontario (and every other province!). You can use Chexy to pay almost all your bills with your credit card and earn rewards. Think cashback, points, or miles you can redeem for free flights or travel upgrades.
You can even pay bills through Chexy that typically can’t be paid with a credit card, like daycare, locker fees, or tuition.
What Bills Can I Pay with a Credit Card in Ontario?
Almost any bill you can think of, you can pay with your credit card online. This includes:
Phone bill
Internet
Gym memberships
Streaming subscriptions (think Netflix, Spotify, & Disney+)
Tuition
Strata and condo fees
Locker fees
Tenant insurance
Pet insurance
Childcare
Car lease
What Bills Cannot Be Paid with a Credit Card?
The only bills we don’t support are loan and mortgage payments, but we are working to make this happen. Currently, you can only use one credit card for all your bill payments, but this will soon change.
How to Pay Bills with a Credit Card Online
You need to opt into Chexy Wallet to pay bills with a credit card. Right now, it is only available for active rent-paying users, but soon, anyone can opt in.
How to use Chexy Wallet to pay bills with a credit card:
1. Log in to your Chexy Dashboard. On the left-hand side, click ‘Add more subscriptions.”
2. Click “Add more payments” and choose the bill you want to add.
3. Choose your payment method, either Interac e-Transfer or pre-authorized debit.
4. Enter the payee info, amount, and due date for each bill.
How Chexy Wallet Works
We charge your credit card 4 business days before the due date. We’ll send the money to the payee on the bill due date using your preferred payment method.
The fees for Chexy Wallet are the same as rent payment fees (1.75% for Visa and American Express, and 2.5% for international credit cards).
Why Should You Pay Bills with a Credit Card in Ontario?
Paying bills with a credit card comes with a variety of perks that can make your expenses work for you:
Earn Rewards
Like rent, you can earn rewards—points, cashback, or miles—by paying your bills with a credit card. These rewards can add up to savings, free flights, or travel upgrades. For example, using the Scotia Momentum Visa Infinite Card, which offers 4% cashback on recurring bills, can save you quite a bit of money.
Here’s a real-life example of how much your bills can cost and how much cashback you can earn:
Monthly car payment: $400
Phone bill: $120
Internet bill: $70
Daycare fees: $500
Total: $1,090
After Chexy fees (1.75%), you’d still earn about $23.50 in cashback each month or $282 per year. That’s extra money in your pocket compared to paying bills through bank transfer or other methods, which earn you nothing.
The extra cash you earn can be used for other expenses like rent, which you can also pay with your credit card!
Build Credit
Paying bills with your credit card and paying off the balance in full every month can help build your credit score over time. By showing the credit bureaus that you’re using credit responsibly, you’ll boost your payment history, one of the key factors in determining your score.
Easy Expense Tracking
Using one credit card for recurring bills makes your finances easy to manage. Most, if not all, of your household expenses can be consolidated in one place, making it easier to track spending and manage your budget.
Set It and Forget It with Automatic Payments
Setting up automatic bill payments is simple. Chexy charges your credit card four business days before the bill is due, and the payment is sent on the due date. This way, you never have to track multiple due dates or worry about missed payments.
If you need to update payment details, you can easily make changes in your Chexy Dashboard.
Is It Worth Paying Your Bills with a Credit Card in Ontario?
It is highly worth paying your bills with a credit card, if:
Your credit card offers rewards (like points or cashback) that outweigh the 1.75% fee, and
You use your credit card responsibly, paying the balance in full each month.
Avoiding interest charges, late fees, and any kind of debt is crucial, as they can quickly cancel out any rewards you earn.
Just like rent payments, you need to account for all bills in your monthly budget. Stay on top of your spending and ensure you always have enough to pay off your credit card. Do that, and you’re set for success!
Ready to start earning rewards on your monthly bills? Opt into Chexy Wallet in your Dashboard. *Note that you must be an active rent-paying Chexy user.
Subscribe to our newsletter below for up-to-date credit card, travel, and rental content.
FAQs
Can you pay a credit card bill with a credit card?
No, you cannot pay a credit card bill with another credit card. You may be able to get a cash advance or transfer the balance to a low-interest credit card, but there will be fees and interest associated with it.
Can I pay my mortgage with a credit card in Canada?
No major banks or lenders in Canada let you pay your mortgage with a credit card, including Chexy. However, we are working to eventually accept mortgage payments via credit card, so stay tuned.
Can you pay utilities with a credit card in Canada?
This depends on your utility provider. For example, Hydro One and Hydro Quebec accept payments via credit card. However, Chexy does not currently, as these bills are variable.
Can I pay my Bell bill with a credit card?
Yes, you can pay your Bell bill with Chexy Wallet or directly through Bell’s website using your credit card.
What is the best credit card for recurring bills?
The Scotia Momentum Visa Infinite Card is our top pick, as you can earn 4% cashback on recurring bills, up to $25,000 annually. Another top contender is the American Express Aeroplan Reserve Card for those who love to travel, earning you 1.25x the Aeroplan points on every purchase (including bills).
With Ontario’s rising cost of living, finding ways to make your money work harder is more important than ever. If you’re already earning rewards on groceries and other purchases with your credit card, why not do the same for your bills?
From memberships to daycare fees, paying bills with a credit card can help you earn points, cashback, or miles—turning everyday expenses into valuable rewards. In this article, we’ll give you the inside scoop on how to pay bills with a credit card in Ontario.
Can You Pay Bills with a Credit Card in Canada?
Yes, you can pay bills with a credit card in Canada, including Ontario (and every other province!). You can use Chexy to pay almost all your bills with your credit card and earn rewards. Think cashback, points, or miles you can redeem for free flights or travel upgrades.
You can even pay bills through Chexy that typically can’t be paid with a credit card, like daycare, locker fees, or tuition.
What Bills Can I Pay with a Credit Card in Ontario?
Almost any bill you can think of, you can pay with your credit card online. This includes:
Phone bill
Internet
Gym memberships
Streaming subscriptions (think Netflix, Spotify, & Disney+)
Tuition
Strata and condo fees
Locker fees
Tenant insurance
Pet insurance
Childcare
Car lease
What Bills Cannot Be Paid with a Credit Card?
The only bills we don’t support are loan and mortgage payments, but we are working to make this happen. Currently, you can only use one credit card for all your bill payments, but this will soon change.
How to Pay Bills with a Credit Card Online
You need to opt into Chexy Wallet to pay bills with a credit card. Right now, it is only available for active rent-paying users, but soon, anyone can opt in.
How to use Chexy Wallet to pay bills with a credit card:
1. Log in to your Chexy Dashboard. On the left-hand side, click ‘Add more subscriptions.”
2. Click “Add more payments” and choose the bill you want to add.
3. Choose your payment method, either Interac e-Transfer or pre-authorized debit.
4. Enter the payee info, amount, and due date for each bill.
How Chexy Wallet Works
We charge your credit card 4 business days before the due date. We’ll send the money to the payee on the bill due date using your preferred payment method.
The fees for Chexy Wallet are the same as rent payment fees (1.75% for Visa and American Express, and 2.5% for international credit cards).
Why Should You Pay Bills with a Credit Card in Ontario?
Paying bills with a credit card comes with a variety of perks that can make your expenses work for you:
Earn Rewards
Like rent, you can earn rewards—points, cashback, or miles—by paying your bills with a credit card. These rewards can add up to savings, free flights, or travel upgrades. For example, using the Scotia Momentum Visa Infinite Card, which offers 4% cashback on recurring bills, can save you quite a bit of money.
Here’s a real-life example of how much your bills can cost and how much cashback you can earn:
Monthly car payment: $400
Phone bill: $120
Internet bill: $70
Daycare fees: $500
Total: $1,090
After Chexy fees (1.75%), you’d still earn about $23.50 in cashback each month or $282 per year. That’s extra money in your pocket compared to paying bills through bank transfer or other methods, which earn you nothing.
The extra cash you earn can be used for other expenses like rent, which you can also pay with your credit card!
Build Credit
Paying bills with your credit card and paying off the balance in full every month can help build your credit score over time. By showing the credit bureaus that you’re using credit responsibly, you’ll boost your payment history, one of the key factors in determining your score.
Easy Expense Tracking
Using one credit card for recurring bills makes your finances easy to manage. Most, if not all, of your household expenses can be consolidated in one place, making it easier to track spending and manage your budget.
Set It and Forget It with Automatic Payments
Setting up automatic bill payments is simple. Chexy charges your credit card four business days before the bill is due, and the payment is sent on the due date. This way, you never have to track multiple due dates or worry about missed payments.
If you need to update payment details, you can easily make changes in your Chexy Dashboard.
Is It Worth Paying Your Bills with a Credit Card in Ontario?
It is highly worth paying your bills with a credit card, if:
Your credit card offers rewards (like points or cashback) that outweigh the 1.75% fee, and
You use your credit card responsibly, paying the balance in full each month.
Avoiding interest charges, late fees, and any kind of debt is crucial, as they can quickly cancel out any rewards you earn.
Just like rent payments, you need to account for all bills in your monthly budget. Stay on top of your spending and ensure you always have enough to pay off your credit card. Do that, and you’re set for success!
Ready to start earning rewards on your monthly bills? Opt into Chexy Wallet in your Dashboard. *Note that you must be an active rent-paying Chexy user.
Subscribe to our newsletter below for up-to-date credit card, travel, and rental content.
FAQs
Can you pay a credit card bill with a credit card?
No, you cannot pay a credit card bill with another credit card. You may be able to get a cash advance or transfer the balance to a low-interest credit card, but there will be fees and interest associated with it.
Can I pay my mortgage with a credit card in Canada?
No major banks or lenders in Canada let you pay your mortgage with a credit card, including Chexy. However, we are working to eventually accept mortgage payments via credit card, so stay tuned.
Can you pay utilities with a credit card in Canada?
This depends on your utility provider. For example, Hydro One and Hydro Quebec accept payments via credit card. However, Chexy does not currently, as these bills are variable.
Can I pay my Bell bill with a credit card?
Yes, you can pay your Bell bill with Chexy Wallet or directly through Bell’s website using your credit card.
What is the best credit card for recurring bills?
The Scotia Momentum Visa Infinite Card is our top pick, as you can earn 4% cashback on recurring bills, up to $25,000 annually. Another top contender is the American Express Aeroplan Reserve Card for those who love to travel, earning you 1.25x the Aeroplan points on every purchase (including bills).