Pay Rent With a Credit Card in Canada: 7 Best Apps Compared (2026)

The average asking rent in Canada reached $2,027 a month in April 2026 — roughly $24,000 a year — yet most landlords still don't accept credit cards, so that spending earns nothing back (Rentals.ca National Rent Report). Meanwhile, 72% of Canadians carry a rewards credit card (NerdWallet's 2026 Canadian Credit Card Report). Rent-payment platforms close that gap: you pay with your card, they send your landlord a normal payment, and you finally earn rewards on your biggest monthly expense.

The catch is the processing fee — typically 1.5% to 3% — so the best platform is the one that returns more than it charges. Pair the right service with a strong cashback card for rent and the math can clear several hundred dollars a year.

The short answer: Neobanc is the best overall — it's the only platform that adds its own 1%–2% cashback on top of your credit card's rewards, at the lowest standard fee among full-cashback platforms, with credit-building built in. Below we compare the 7 best ways to pay rent with a credit card in Canada for 2026.

Pay Rent With a Credit Card in Canada: Compared (2026)

Platform	Best For	Fee	Platform Cashback	Credit Building
Neobanc	Overall — highest net return	1.50%–2.25%	1%–2% on top of card rewards	Yes
Chexy	Earning Aeroplan points on rent	1.75% (CAD Visa/Amex)	Card rewards only	Yes
Casa	ScotiaGold Passport Visa holders	0% with ScotiaGold Passport · 1.75% otherwise	Card rewards only	No
Plastiq	Paying recipients that take no cards	2.85%–2.99%	Card rewards only	No
Letus	Buildings already on the Letus network	~2.5%–3% (varies)	Card rewards only	Some plans
TenantPay	Landlords set up on TenantPay billing	~2%–3%	Card rewards only	Yes
Interac e-Transfer	A free, no-rewards default	Free (bank limits apply)	None	No

Fees and rewards verified for 2026 — confirm current terms on each provider's site. Neobanc is the only platform that adds its own cashback on top of your credit card's rewards.

1. Neobanc — Best Overall

Best for: Earning the highest net return on rent

Neobanc sits between you and your landlord — you pay rent with your credit card and Neobanc forwards a normal payment your landlord already accepts. What sets it apart is that it pays its own cashback on top of whatever your card earns, so your rewards stack instead of just passing through.

Features:

• Stacked cashback: your card's rewards plus Neobanc's own 1% or 2% — the only platform here that adds a rewards layer.
• Two tiers: 1% instant cashback at a 1.50% fee, or 2% cashback (paid over a rolling six months) at a 2.25% fee.
• Credit building: optional rent reporting to the credit bureau.
• Free option: Interac e-Transfer at no fee when you don't want to pay for rewards.
• Beyond rent: the same app earns cashback on bills, mortgage, and gift cards.

Pros:

• Only platform that layers its own cashback on top of your card's rewards.
• Lowest standard fee (1.50%) among full-cashback platforms.
• A 4% cashback card on the 2% tier can reach up to 6% combined.
• Builds credit and offers a free no-fee path in one app.
• Transparent head-to-heads: vs Chexy and vs Casa.

Cons:

• The 2% tier pays cashback on a rolling six-month basis, not instantly (the 1% tier is instant).
• There's still a fee, so you need a rewards card to come out clearly ahead.
• Newer than long-established players like Chexy.

2. Chexy

Best for: Earning Aeroplan points on rent

Chexy is one of the most established players in Canadian rent payments, with more than 200,000 users and over $1.5 billion processed. You pay rent — or bills, tuition, and taxes — with a Canadian Visa or American Express card, and Chexy sends your landlord a standard payment.

Features:

• Fee: 1.75% on domestic Visa/Amex; 2.5% on international cards.
• Aeroplan integration: earn Aeroplan points on rent through its Air Canada partnership.
• Credit building: the optional Chexy Credit Builder reports rent to Equifax.
• Referral discount: referring others can cut your fee toward 0.5%.
• Scope: also handles bills, tuition, and taxes; free Interac option available.

Pros:

• Well established and widely trusted (200,000+ users, $1.5B+ processed).
• Accepts American Express, which some rivals don't.
• The only platform here with a dedicated Aeroplan points integration.
• Reports rent to Equifax to help build credit.

Cons:

• Passes your card's rewards through — it doesn't add its own cashback layer the way Neobanc does.
• You need a card earning more than the 1.75% fee to profit.
• International cards are charged the higher 2.5% rate.

3. Casa

Best for: Renters who hold the ScotiaGold Passport Visa

Casa launched its Scotiabank partnership in March 2026 and became the go-to no-fee option for one specific card. You add a Canadian Visa or Mastercard and pay rent or condo fees; its scope is deliberately narrow — rent and condo fees only.

Features:

• Fee: 0% with the ScotiaGold Passport Visa, 1.75% with any other Visa or Mastercard.
• Rewards: 1 Scene+ point per dollar on rent and condo fees (with at least $350/month in other purchases on the card).
• Backing: built on a partnership with Scotiabank.
• Coverage: rent and condo fees.

Pros:

• Unbeatable 0% fee if you already hold the ScotiaGold Passport Visa.
• Backed by a major Canadian bank.
• Simple, focused experience for plain rent.

Cons:

• No American Express support.
• Not yet available in Quebec.
• No credit building, and it covers only rent and condo fees.
• The 0% perk is locked to one specific card — otherwise it charges the same 1.75% as Chexy. See Chexy vs Casa.

4. Plastiq

Best for: Paying recipients who don't take cards at all

Plastiq is the most flexible option here because the recipient never needs an account — or even the ability to accept cards. You pay Plastiq with your card, and it sends your landlord a cheque, ACH transfer, or wire. That makes it useful well beyond rent.

Features:

• Fee: roughly 2.85%–2.99% per transaction.
• Payout methods: pays almost any recipient by cheque, ACH, or wire.
• No recipient setup: your landlord needs no Plastiq account.
• Scheduling: set rent to run automatically each month.

Pros:

• The most flexible — pay almost anyone, including non-card recipients.
• Great for one-off large payments and vendors beyond rent.
• No setup required on the recipient's end.

Cons:

• Among the highest fees here (~2.9%), so you need a high-reward card to break even.
• Passes card rewards through; no cashback layer of its own.
• No credit building.

5. Letus (formerly RentMoola)

Best for: Tenants whose building already uses Letus

Letus (previously RentMoola) is one of the longest-running rent-payment platforms in Canada and is widely used by property managers. When your building is already on the Letus network, paying rent with a credit card is straightforward.

Features:

• Fee: Letus doesn't publish a fixed credit-card rate; it varies by card and property manager, generally 2.5%–3%.
• Network: broad payment-method support, used by many property managers.
• Credit reporting: available on some plans.
• Payout: funds deposited directly to the landlord.

Pros:

• Long-established and widely used by Canadian property managers.
• Broad range of supported payment methods.
• Credit reporting available on some plans.

Cons:

• Easiest only when your landlord already uses it — you can't always opt in independently.
• The exact fee isn't published and varies, so confirm it at checkout.
• Passes card rewards through; no cashback layer.

6. TenantPay

Best for: Renters whose landlord is set up on TenantPay

TenantPay is built for Canadian renters and property managers. Your landlord gives you a TenantPay account number; you add TenantPay as a payee in online banking and pay with a credit card, and it forwards the funds to your landlord, typically within 24–48 hours.

Features:

• Fee: credit-card convenience fees generally run about 2%–3%.
• Cards: accepts Visa and Mastercard (credit and debit).
• Credit building: reports payment history to the credit bureaus.
• Security & reach: SOC 2 Type II certified and available across Canada.
• Automation: recurring payments supported.

Pros:

• Reports to credit bureaus, so on-time rent can lift your score.
• Bank-grade security and nationwide availability.
• Supports recurring automatic payments.

Cons:

• Works through your landlord's setup, so it's easiest when they already use it.
• The 2%–3% fee is on the higher side.
• Passes card rewards through; no cashback layer.

7. Interac e-Transfer

Best for: A free, no-rewards default

If rewards aren't a priority, a plain Interac e-Transfer straight from your bank account is free (within your bank's limits) and accepted by virtually every landlord. It's the default most renters already use — no middleman, no processing fee.

Features:

• Fee: free, subject to your bank's e-Transfer limits.
• Acceptance: works with virtually every landlord.
• Source: draws from your bank account, not a credit card.

Pros:

• No fee.
• Universally accepted.
• Simple and instant.

Cons:

• No rewards or cashback — it isn't a credit card.
• No credit building.
• Subject to your bank's e-Transfer limits. (Note: Neobanc also offers free Interac alongside its cashback tiers, so you don't have to choose.)

How to choose the right rent payment platform

Start with one question: does your combined return beat the fee? If you carry a strong cashback or points card, Neobanc gives you the most because it stacks its own cashback on top of your card's rewards at the lowest standard fee. If you specifically want Aeroplan points, Chexy's integration is the draw. If you happen to hold the ScotiaGold Passport Visa, Casa's 0% fee is unbeatable for plain rent. Plastiq, Letus, and TenantPay make sense when flexibility or your landlord's existing setup matters more than squeezing out the lowest fee — and a free Interac e-Transfer is always there when rewards aren't worth the cost.

The bottom line

Every platform here can turn rent into rewards, but they differ on fees, cashback, and credit building. If you want the highest net return with the lowest standard fee and credit reporting in one place, start with Neobanc and stack it with your best cashback card.