Smart payments
for smarter
Tenants.
Pay your rent with your credit card and earn your card's rewards. We send the rent to your landlord, and you get a text receipt every time.
- Visa & Mastercard credit cards
- Landlord paid by Interac e-Transfer
- PCI-compliant payments
Rent, paid by card,
in three steps
- 1
Add your rent
Tell us your rent, your due date and your landlord's email. It takes a couple of minutes.
- 2
Pay with your card
Use your Visa or Mastercard and earn your card's rewards on rent. You get a text receipt right away.
- 3
Your landlord gets paid
We send your rent by Interac e-Transfer. Your landlord doesn't need to sign up for anything.
Secure payments
Your card details go straight to our PCI-compliant payment processor. Payzy never sees your full card number.
Text receipts
Get a text as soon as your payment goes through, with the rent, the fee and a reference number.
Rent reminders
We text you before your rent is due, so you don't miss a payment.
Nothing new for your landlord
Your landlord gets an Interac e-Transfer. They don't need to sign up or change anything.
Make your biggest bill
rewarding
Rent is usually your biggest monthly bill, and most landlords don't take credit cards. Payzy lets you pay it with your Visa or Mastercard, so you earn your card's rewards and get until your statement is due to pay, while your landlord gets paid by Interac e-Transfer like always.
- Visa and Mastercard credit cards
- One clear fee, shown before you pay
- Pay from your phone or computer
- Made for renters in Canada
See what your rent
can earn you
Pay rent with your Visa or Mastercard credit card, collect its rewards, and see exactly what you keep after Payzy's fee.
2Your card
Cents back per dollar. For points, multiply points per $1 by what a point is worth: 1.5 points at 1¢ each is 1.5%. Rent usually earns your card's base rate, not bonus-category rates.
Your net each month
The fee is more than your rewards−$4.48
With your card, you earn $30.52 in rewards, pay a $35.00 fee, and come out $4.48 behind each month.
Rewards / year
$366.24
Fees / year
−$420.00
Net / year
−$53.76
Your card is charged $2,035.00 a month ($2,000.00 rent + $35.00 fee). Rewards are counted on the full charge.
To cover the 1.75% fee, a card needs to earn at least 1.72%. Paying by card can still help you reach a welcome bonus's minimum spend, or give you until your statement is due to pay.
The best cards for
paying rent
Welcome bonuses are where you save most: one month of rent can unlock a big part of them. Here's what each card earns on your rent after Payzy's fee.
- 1.75% Payzy fee
Scotia Momentum Visa Infinite
Scotiabank
First rent payment
+$265.00
$300.00 welcome bonus − $35.00 Payzy fee
- Each month after
- −$14.65$20.35 back − $35.00 fee
- Earns on rent
- 1%
- Annual fee
- $120, first year waived
- Income needed
- From $60,000 personal or $100,000 household
Welcome offer: 15% cash back on all purchases for the first 3 months (up to $2,000 in purchases), and no annual fee in the first year. Apply by November 1, 2026.
Earns: 4% groceries and recurring bills, 2% gas, transit, rideshare and food delivery, 1% everything else. Rent earns the 1% base rate: from October 22, 2026, Scotiabank no longer counts rent as a recurring bill.
- 1.75% Payzy fee
CIBC Dividend Visa Infinite
CIBC
First rent payment
+$165.00
$200.00 welcome bonus − $35.00 Payzy fee
- Each month after
- −$14.65$20.35 back − $35.00 fee
- Earns on rent
- 1%
- Annual fee
- $120, first year rebated
- Income needed
- $60,000 personal or $100,000 household
Welcome offer: 10% cash back on your first 4 statements (up to $200 on $2,000 in purchases), $50 for setting up pre-authorized payments, and a first-year annual fee rebate.
Earns: 4% gas, EV charging and groceries, 2% transportation, dining and recurring payments, 1% everything else. Rent usually earns the 1% base rate.
- 2.75% Payzy fee
Tangerine Money-Back Credit Card
Tangerine
First rent payment
+$45.00
$100.00 welcome bonus − $55.00 Payzy fee
- Each month after
- −$44.73$10.27 back − $55.00 fee
- Earns on rent
- 0.5%
- Annual fee
- No annual fee
- Income needed
- $12,000
Welcome offer: 10% cash back for 2 months (up to $100). Apply by November 30, 2026.
Earns: 2% in up to 3 categories you choose, 0.5% everything else. Rent usually earns 0.5%. Recurring Bill Payments is a 2% category, but rent may not qualify.
- 1.75% Payzy fee
TD Aeroplan Visa Infinite
TD
Welcome offer
Up to $1,550 in value, including up to 50,000 Aeroplan points, and a first-year annual fee rebate. Conditions apply.
- Each month after
- −$14.65$20.35 back − $35.00 fee
- Earns on rent
- 1%
- Annual fee
- $139, first year rebated (conditions apply)
- Income needed
- $60,000 personal or $100,000 household
Earns: 1.5 points per $1 on gas, EV charging, groceries and Air Canada, 1 point per $1 everything else. Rent earns 1 Aeroplan point per $1. Shown here at 1¢ per point; points can be worth more on flights.
- 2.75% Payzy fee
Rogers Red World Elite Mastercard
Rogers Bank
Every rent payment
1.5% back
No welcome bonus. 1.5% cash back on everything, or 2% if you have an eligible Rogers service.
- Each month after
- −$24.18$30.82 back − $55.00 fee
- Earns on rent
- 1.5%
- Annual fee
- No annual fee
- Income needed
- $80,000 personal or $150,000 household
Earns: 1.5% on all purchases (2% with a Rogers service), 3% in U.S. dollars.
- 2.75% Payzy fee
BMO CashBack World Elite Mastercard
BMO
Welcome offer
BMO has a welcome offer. See their site for the current details.
- Each month after
- −$34.45$20.55 back − $55.00 fee
- Earns on rent
- 1%
- Annual fee
- $139, first year waived
Earns: 5% groceries, 4% transit, 3% gas and EV charging, 2% recurring bills, 1% everything else (monthly caps apply). Rent usually earns the 1% base rate.
Rates and offers are from each bank's website, checked October 7, 2026, and can change at any time. Confirm the details on the bank's site before you apply. Approval is up to the bank. Payzy may earn a referral fee when you apply through these links. Card designs are illustrations, not the actual cards.
One simple fee.
Nothing hidden.
No monthly plan. When you pay rent by card, you pay one fee based on your card. That's it.
Visa credit cards
Most Visa credit cards, including Visa Infinite.
On $2,000.00 rent: $35.00
- Visa Classic, Gold or Platinum
- Visa Infinite
Premium Visa & Mastercard
Visa Infinite Privilege, business Visa and Mastercard credit cards.
On $2,000.00 rent: $55.00
- Visa Infinite Privilege or business Visa
- Mastercard credit card
Included with every payment
- Free to sign up
- Your landlord doesn't need an account
- A text receipt for every payment
- Reminders before rent is due
Credit cards only. Not accepted: debit, prepaid and American Express cards, and cards issued outside Canada.
Ask us anything
Have a question about paying rent with Payzy? Send us a message and our team will reply by email.
- Fees and what you'll earn
- Which cards you can use
- How your landlord gets paid
- Security and your card details
Send us a message
All fields are required.
Common questions
You pay rent with your own card, so you earn your card's usual rewards on the payment. Payzy charges a card fee, so use the calculator above to check whether your card's reward rate covers it.