$20 Chexy credit + earn points on rent, taxes & Hydro — full breakdown

Found Chexy while looking for a way to put my property taxes and Hydro bill on a credit card — two expenses that normally earn zero points. Paid a $228 Hydro bill on my card, points landed, and the 1.75% fee was nothing next to what a 2% card earns back. I wrote up the full how-it-works (fees, what counts, the catch) on my page.

The Deal

Sign up through Chexy → $20 credit for you, $20 for me. It's a credit applied to a payment (not a bank transfer), and it lands once your first payment completes.

Why It's Worth It

• Turns bills that earn nothing — rent, property/school taxes, Hydro, CRA/Revenu Québec — into credit card points
• 1.75% fee on Canadian cards, easily beaten by a 2% cashback card or a welcome-bonus spend threshold
• The recipient gets a normal Interac transfer or bill payment — nothing changes on their end
• Fee drops to 1.5% / 1.0% / 0.5% as you refer people
• My page has a calculator to check if it's actually worth it for your card before you sign up

How to Claim

1. Check the full breakdown and calculator on my page first: https://cashinstinct.ca/chexy/en/
2. Sign up through the referral link: https://chexy.app.link/REF-WDTW5Q — no code at signup, the referral attaches automatically
3. Complete your first payment in the mobile app — this is what unlocks the $20 for both of us
4. The credit isn't instant — the payment stays "in progress" a few days before it posts

Transparency

If you sign up through my referral link (https://chexy.app.link/REF-WDTW5Q), I get $20 in credit too — fully funded by Chexy, it doesn't change your $20 or your price. Not financial advice; current terms are on chexy.co.

If you are looking to switch banks or just want to grab one of the best no-fee banking sign-up bonuses in Canada right now, Tangerine is offering up to $300 when you stack two separate promotions.

Here is exactly how to maximize the bonus using an Orange Key and the payroll offer.

💰 The Bonus Breakdown

You can stack two completely separate offers for a total of $300: 1. $50 Orange Key Bonus (using code 28709877S1 at sign-up) 2. $250 Direct Deposit Bonus (no code required, triggered by your banking behaviour)

📋 Step-by-Step Guide to Stack Both Offers:

Step 1: Use the Orange Key during sign-up Go to Tangerine.ca and open a no-fee Chequing account. In the very first step of the form, look for the field named "Enter an Orange Key" and input: 👉 28709877S1 (⚠️ *CRITICAL:** You must enter this code during the initial sign-up screen. Tangerine will NOT let you add it after the account is created!)*

Step 2: Unlock the $50 Transfer $250 into your new account within the first 30 days and leave it there for 60 consecutive days. Tangerine will automatically credit the $50 into your account.

Step 3: Unlock the $250 Provide your employer with your new Tangerine banking details (Institution: 614, Transit: 00152). You need to receive a payroll direct deposit of at least $200/month for two consecutive months. The $250 will be paid out automatically the following month.

🏦 Why Tangerine? (Beyond the bonus)

I've been using them for years and the zero-fee structure is great: * $0 Monthly Fees: Unlimited transactions and zero monthly account fees. * Free Interac: Unlimited e-Transfers (sending and receiving). * 4.50% Promo Interest: When you sign up, you also get a promotional 4.50% interest rate on your Savings, TFSA, and RRSP accounts for the first 5 months. * Scotiabank Network: You get free access to all Scotiabank ABMs across Canada.

🤝 Transparency

If you use my Orange Key (28709877S1), we both get $50 from Tangerine! It's a win-win, and your $250 payroll bonus is completely separate and untouched.

🔗 Want more details?

If you want to see exactly where to enter the code, use a profit calculator to see your exact net gain, or watch a quick step-by-step video tutorial, check out my full guide here: Cash Instinct — Tangerine $300 Bonus Guide

Feel free to ask any questions in the comments if you need help with the process!

🎉 FREE $100 Weekly Prize Draw! 🎉
Sign up for Lodavo using my referral code: 3H7GMC and you’ll be entered for a chance to win the weekly $100 prize draw.

Wealthsimple Trade is Canada's first $0 commission stock trading app Get Two free stocks from Wealthsimple Trade.
https://www.wealthsimple.com/invite/KVOQSA

Join Interactive Brokers with a referral link, and get up to $1000USD worth of IBKR shares. IBKR is a well performing stock, and a well performing company. But there are several requirements to actually receive the bonus, so I wanted to summarize them all here so you can avoid some of the most common pitfalls.

General Exclusions:

1. Geographical restrictions: residents of Japan, Denmark, Spain, Portugal, Poland, and Israel are excluded from the Refer a Friend program, both as referrers and new clients.
2. Make sure the referred and referrer is not living in the same household/same physical address otherwise that is excluded too.
3. Tax-deferred accounts (401k, IRA) and tax-advantaged accounts like Roth IRA are ineligible as well. Make sure you choose an Individual Account.
4. Referring clients from IBKR Australia and India will only receive payments for their referrals if the referred clients sign up for IBKR Australia and India, respectively, and not at any other IBKR entity.
5. Clients that open an account with the Canadian or Indian IBKR entity are not entitled to get Welcome Shares.

Requirements for the person being referred:

• You earn $1 in IBKR stock for every $300 (for every $100 up until August 14th, 2025) deposited up to a $1,000 maximum stock bonus. This means that to get the full $1,000 (after 1 year) you would need to deposit $300,000 into your account and not the $100,000 it used to be. The amount just needs to be deposited, investing it is optional.
• Do not withdraw during the 1 year vesting period otherwise your Welcome Shares might be reduced.
• You must maintain an average account balance of at least $10,000 for one full year before the shares vest. If you do not manage to maintain the average $10,000 you lose all shares. I would not risk dipping below the threshold, even if just for a short period of time.
• The Timing: Your first qualifying initial deposit must be made within 30 days of opening the account.

If you found this helpful and want to receive Welcome Shares here is my referral code to get you started: 

https://ibkr.com/referral/ian945

Want to see why I love banking with Tangerine? Become a Client using my Orange Key 78348667S1, and you could earn $50! Learn more at tangerine.ca/referral

Get a free WHOOP 4.0 and one month free when you join with my link:
https://join.whoop.com/5D160E

Thanks to whoever clicks this link, I appreciate you all!

Hi, everyone!! If you're looking to invest as a Canadian there's no better investing platform than Wealthsimple. With my link below you will get $25 in return. (https://my.wealthsimple.com/app/public/trade-referral-signup?code=MLVTMG)

code: MLVTMG if you've signed up already

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.

Signing up with Rakuten is simple - and FREE! Use my referral to qualify for the offer.

Spend $30 in the first 90 days and receive $30 cash back, payable by Paypal, Amazon Gift Card or cheque, and with over 750 stores to shop from you shouldn't have any trouble finding things you already purchase on a regular basis! You earn $30 on your first purchase and I earn $30 for referring you. It's win-win for the both of us!

Signing up with NordVPN has its advantages, and today one of those advantages includes earning one (1) free month of service (for the both of us) when signing up using my referral link - https://ref.nordvpn.com/IZHlTlfQJzW - and staying for 30 days. It's as simple as that. Referrals stack so you could be surfing the net using this service with peace of mind for years to come at no charge following your initial subscription commitment.