Chexy lets Canadians earn Aeroplan points on mortgage payments

A homeowner paying $3,000 per month would earn 36,000 Aeroplan points per year, assuming the mortgage amount stays constant. Rising mortgage payments mean higher rewards. Users also earn 1 Status Qualifying Credit for every 5 Aeroplan points earned, capped at 25,000 SQC per year.

To enroll, users log into their Chexy account, select their bank and chequing account, and add their Aeroplan number. Chexy pulls the mortgage payment plus the 1.75% fee from that account and pays the lender on the original payment date. Points hit the account within 60 days.

Early adopters get a welcome bonus. Anyone who signs up before Sept. 30, 2026 and completes their first payment receives 1,000 bonus points. They then earn 125 bonus points per qualifying payment on up to four payments per month, or up to 6,000 bonus points over 12 months.

Aeroplan is Air Canada's loyalty program. Canadian mortgage payments have grown by an average of $375 per month this year, meaning the potential points pool is expanding.