Chexy vs Pay Rent Normally: A simple break-even rule of thumb

Here’s an easy way to think about Chexy:
If your credit card rewards value (points/cashback) is higher than the fee %, you’re generally winning. If it’s lower, it’s usually only worth it for hitting a signup bonus, building payment history, or convenience.
I’ll share a few example scenarios in the comments (cashback card vs points card vs welcome bonus). If you tell me your card + rent amount, I’ll help you estimate the break-even.