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Repeat bills are part of modern life, such as rent, utility payments, and streaming payments. Nonetheless, a majority of Canadians pay them unknowingly without being aware of greater rewards.
With the correct credit card, your regular monthly expenses will be converted into regular cashback, points, or travel miles. All you need to do is set up the auto-pay and get ongoing rewards.
In 2025, Canadians are struggling with more post-pandemic budgets, inflationary rates, and subscriptions that are out of control. It is one dollar at a time, and wasted reward is wasted opportunity to cover increased expenses or the next vacation.
In this blog, we will guide you on finding the best credit card for recurring payments in Canada to deal with recurring bills. These card choices will make monthly payments more rewarding than ever.
A recurring credit card payment is when a service provider automatically charges your credit card at regular intervals, eliminating manual steps. More people in Canada are setting up automatic payments on their credit cards to take care of more bills, including Netflix, Spotify, insurance, utilities, and even rent. These recurring bills are automatically charged at a certain frequency, and one does not have to shake a tree to pay every bill.
1. Fixed Payments: The same amount per cycle, e.g,. memberships to gyms, streaming.
2. Variable Payments: The amount varies each month, e.g., hydro, internet, or mobile data. Services such as Wise and Stripe recurring payment systems are commonly utilized in international or business billing.
The convenience of making recurring payments with a credit card goes beyond because it may bring you rewards. There is bonus cashback, points, and miles on a Canadian credit card, which is specific to repeated fixed charges. Credit card automatic payments do that by transforming monthly bills into rewards. You do not have to spend more to earn more; you simply take monthly payments that are automatic.
Not only is it convenient to use a credit card to make such payments, but it is also valuable. Recurring bills have become a special category or an increase in rewards in most Canadian credit cards. When you enroll in autopay with a rewards credit card, you are shifting what you already spend on any given month to actual returns.
Benefits include:
Welcome bonuses are some of the benefits that some cards have, where they become active when you have recurrent charges, and the quicker you switch your billing with the service, the faster you can receive more bonuses.
Shopify, Stripe, among other platforms work with high security guidelines so that your credit card details are safe. The processors used are PCI compliant, encrypted, and used widely all around Canada. Combined with reasonable credit card usage, recurring payments not only make life more convenient but should assist in enabling you to accumulate an excellent financial record.
Another advantage comes with well-organized tracking: all recurring payments are listed in your statement every month, so you can quickly tell where you are spending your money and where you do not want to spend it. Setting up credit card automatic payments not only helps avoid late fees but also builds a consistent payment history that boosts your credit score.
When you are automating your monthly expenses, such as rent, utility bills, and your Spotify and Netflix subscriptions, using the appropriate cashback credit card will lead to a visible effect on your savings rate per year. Most Canadians ignore the amount of money lurking in their monthly bills, yet a simple card can help them earn hundreds of rewards regularly.
Following are the best ten credit cards that will provide cash back on regular bills in 2025:
The Scotia Momentum Visa Infinite card is among the best-rewarding cards in Canada with the repeated bills. It presents a market-best 4 percent cashback on all recurring payments such as rent (those paid through platforms such as Chexy), phone, internet, and subscriptions, all with up to a maximum of 25,000/year.
Why it stands out:
Real-world example:
If you pay $2,000/month in recurring bills, you could earn around $960 per year just from autopayments.
The TD Cash Back Visa Infinite is a sound choice when it comes to cashback on regular bills, such as streaming, utilities, or even subscription software, at 3 percent cashback, to an annual spending cap of 15,000.
Key benefits:
This card is ideal if you value flexible rewards redemption and want added perks like emergency medical and rental car coverage when you travel.
For those who want solid rewards without overthinking, both CIBC and Tangerine offer attractive cashback options, especially for moderate spenders or those who prefer no annual fee.
A great choice if you split your bills across categories like gas and groceries, along with recurring charges.
Perfect as a no-annual-fee backup card, especially if you want to customize your cashback categories.
If you want a straightforward way to earn without paying an annual fee, Tangerine is a strong, low-maintenance option.
Although cash-back cards are terrific at simple savings, points cards can provide access to top-rated travel, lodging, mash-ups, and one-of-a-kind travel experiences. If you travel a lot or are generally a high-living person, or maximize point transfers and like to travel a lot, using a high-earning rewards card to pay off your regular bills can be way more valuable long-term as opposed to a flat-rate cashback card.
Here are the best points credit cards for recurring bill payments in 2025:
To Aeroplan loyalists and frequent flyers, the Aeroplan Reserve and Platinum cards provided by Amex have outstanding value in all purchases, including repetitive ones.
What you get:
Best for: High spenders who prioritize travel perks and want to turn monthly bills into first-class flight redemptions.
The RBC Avion Visa Infinite Privilege is a top-tier travel card with solid rewards on recurring bills and strong flexibility in point redemption.
Why it’s worth considering:
Example value: 100,000 Avion points can be worth $2,000+ in premium travel bookings when transferred strategically during promo periods.
Best for: Users looking for a flexible travel ecosystem and premium privileges, especially those already banking with RBC.
For everyday users who want flexibility, Amex Cobalt and Scene+ program cards (like the Scotiabank Gold American Express) are two standout options in 2025.
Best for: Canadians who want everyday flexibility, multiple redemption options, and solid rewards across common spending categories.
Selecting the proper credit card is only half of the success; it is also important how you are going to use it. It will be beneficial to have your credit card strategy tailored to the way you spend to get the full value of your monthly recurring bills. When managing recurring payments on your credit card, always monitor bonus category limits to avoid over-optimization losses
Here are some proven ways to maximize your rewards:
The reward quality of all the cards is not uniform in all respects. Rather than loading all your bills into one card, tier out your cards according to where they pay the most.
Pro tip: Assign each card to a specific group of bills — this keeps your earnings optimized and your categories uncluttered.
A large bill, such as rent, tuition, or property tax, cannot be paid directly by credit card. But that is where special bill-pay systems such as TenantPay can help.
TenantPay gives Canadians the capability to pay their rent with a credit card, so they can get the benefits that come along with their biggest ongoing bills. Now you are able to pay your rent into one of the cards, such as a cashback card, points card, or even a travel rewards card. After all, why make your rent evaporate into the bank account when you could be gaining money or points just by a few clicks?
The point is particularly useful when you subscribe to a high-income rewards card such as the Scotia Momentum or an Aeroplan-affiliated card. By putting your rent on a card that gives a bonus reward on repetitive bills, you are getting the greatest return out of the money you are already paying out.
A few things to keep in mind:
When you are paying any rent in Canada and are not getting rewarded for the same, you are leaving money on the table. Using tenantPay will make it simple to combine rent with your credit card rewards program so you can earn extra money off one of your largest monthly expenses.
Many high-earning cashback and points cards have annual or monthly limits on how much you can earn at bonus rates.
To avoid losing out:
When you layer these tactics, it will be easier to make sure that every dollar of your monthly bills is working more on your behalf in 2025 by tiering your cards, taking advantage of bill-pay services, and controlling the reward caps.
Although one credit card payment of a recurring bill can reach staggeringly high reward points when points and cash back are considered, the long-term play should be looked at more deeply. Knowing the fees, rate of interest, and the type of transactions that accompany your card keeps you ahead of the game.
The annual fees on premium rewards cards vary between 120-799 a year, and although the reward rates are also high, these fees may be deducted from the returns that you get if you are not spending a lot.
Ask yourself:
Not all recurring payments are treated equally. Some third-party platforms or bill types (like rent or tuition) may be processed as a cash advance, not a regular purchase.
Why this matters:
Tip: TenantPay processes rent payments as standard purchase transactions, meaning you’ll earn rewards without triggering cash-advance fees or interest, as long as you pay your statement in full.
If you don’t pay your balance in full each month, any rewards you earn could be cancelled out — or worse — by interest charges.
Bottom line: If you’re not paying in full, you’re better off using a low-interest credit card for recurring bills — or paying directly through a platform like TenantPay using a debit-based setup.
By 2025, the way Canadians manage recurring costs is being reconsidered and credit card issuers are changing along with it.
Now that most households have several accounts to maintain (streaming, food delivery, cloud storage), recurring payments are one of the largest spending categories. Such a switch necessitates the utilization of cards that pay off online billing.
Financial institutions such as Scotiabank, TD, and RBC have now changed the way they reward customers to cover recurring bills:
Canadians using rent payment systems such as TenantPay are finding it more popular to use a credit card to pay the rent instead of a fixed monthly deduction that can be converted to cashback or points. They provide additional flexibility, automation and convenience, which the contemporary financial behavior is all about.
The optimal credit card to use when paying recurrent bills is determined by the amount that you spend and what matters most to you. One size does not fit all; there is no possibility of choosing the right card to suit your type of lifestyle, in which case you stand a better chance of receiving high quality for what you are paying every month.
Quick tip: Calculate how much you spend on recurring bills monthly, and choose a card where the rewards outweigh the fees — that’s your sweet spot.
Recurring bills are just a reality, but it is not an opportunity to miss. With the correct credit card, your routine payments, such as insurance or rent, utilities, and subscriptions, may be converted to significant profits of cashback, points, or travel advantages.
It is difficult to discover which card has the best reward-to-fee ratio since it requires one to organize their monthly refilling expenses like rent, streaming, internet, and phone, and compare it with the card rewards and fees; then choose the card with the greatest ratio. It could turn hundreds of dollars into value each year when just minutes of planning are done.
Recurring bills are automatic charges for regular services like rent, utilities, subscriptions, or insurance, billed monthly or annually.
You can set up autopay with service providers or use platforms like TenantPay to pay rent and other recurring bills using your credit card.
Yes, you can enable recurring payments on your credit card by using autopay with most service providers, or through platforms like TenantPay.
Reddit users often recommend Scotia Momentum, TD Cash Back, and Amex Cobalt for consistent rewards on recurring payments.
Top choices for 2025 include Scotia Momentum Visa Infinite, TD Cash Back Visa Infinite, RBC Avion Visa Infinite, and Amex Cobalt, based on your spending needs.