Quick Answer
You can pay condo fees with a credit card in Canada, although many condo corporations and property managers don’t accept credit cards directly. Third-party platforms like Casa charge your card and send the condo fee payment on your behalf, while you earn rewards.
Key Takeaways
Many condo corporations don't accept credit cards directly for monthly condo fees.
Third-party payment platforms, like Casa, let you use a credit card even when your condo corporation doesn't accept one.
Paying condo fees by credit card can help you earn rewards and meet minimum-spend requirements.
ScotiaGold Passport® Visa* Cardholders can pay eligible condo fees through Casa with no transaction fees and earn Scene+ points when monthly spend requirements are met.²
Table of Contents
In this guide:
Condo fees can add up to hundreds or even thousands of dollars each month, but most condo corporations don’t let you pay by credit card. That means you could be missing out on points, cash back, and other rewards on one of your largest recurring expenses.
With Casa, you can pay your condo fees with an eligible credit card, even if your condo corporation doesn’t normally accept them. In this guide, we’ll cover how it works, how to earn rewards on your condo fees, and how you can earn Scene+ points with no transaction fees when you use the ScotiaGold Passport® Visa* Card.¹
What Are Condo Maintenance Fees?
Condo fees are monthly payments that help cover the cost of maintaining and repairing your condo building and the shared spaces.
Condo fees usually help cover:
Repairs and maintenance in the building
Utilities and cleaning in common areas
Amenities and shared spaces
Building insurance
Property management
Contributions to the reserve fund (savings account)
How Much Are Condo Fees?
The amount and what’s included vary by building. As of September 2026, average condo fees for an 800-square-foot condo in Toronto are about $472 per month.
Most condo corporations have specific payment methods, like pre-authorized debit or online banking, which means paying by credit card isn’t usually an option – that is, until Casa.
Condo Fees vs Strata Fees: What’s the Difference?
Condo fees and strata fees are essentially the same thing; the only difference is where the terminology is used. In short, the term “strata fees” is used in BC, while “condo fees” is used in the rest of Canada.
Condo Fees | Strata Fees | |
Where used? | Ontario & other provinces | British Columbia |
Who pays them? | Condo owners | Strata owners |
How often? | Typically monthly | Typically monthly |
What do they cover? | Shared building expenses, maintenance, amenities and reserve funds | Shared property expenses, maintenance, amenities and contingency funds |
If you live in BC and are wondering whether you can pay strata fees with a credit card, the same general payment options discussed below typically apply.
How to Pay Condo Fees with a Credit Card in Canada
You can pay condo fees with a credit card in Canada, even if your condo corporation doesn’t accept credit cards directly.
Third-party payment platforms like Casa let you use a Visa or Mastercard to pay condo fees. They charge your card and send the payment to your condo corporation or property manager via a supported payment method (such as Interac e-Transfer, PAD, or Bill Pay).
Casa is currently available across Canada, excluding Quebec.
Here’s how it works with Casa:
Create a Casa account using your email address, Google account, or Apple account.
Enter your contact information, including your address, name, and phone number.
Add your Visa or Mastercard credit card (or debit card). You can also scroll down to apply for the ScotiaGold Passport® Visa* Card.
Enter your address and condo corporation details.
Choose how Casa should send the payment to your condo corporation and enter their email address.
Enter your condo fee amount and choose whether it’s a recurring or one-time payment.
Confirm the payment details and add any required security information for your payment method.
Verify your identity by uploading a valid government-issued ID, such as a driver’s licence, and complete a quick live face scan with Plaid.
What if your condo corporation is already in Casa’s network?
If your property is already in Casa’s network, setting up your payment is even easier. Casa will automatically recognize the property when you enter your address, so you can skip the steps that ask for your condo corporation or property manager’s payment details.
Simply select your property and continue setting up your condo fee payment.
How to Earn Rewards on Condo Fees
Paying condo fees with a rewards credit card can turn your monthly housing expense into an opportunity to earn points that you can use towards virtually anything.
For example:
Monthly Condo Fees | Annual Payments |
$500 | $6,000 |
$700 | $8,400 |
$1,000 | $12,000 |
Remember to account for the 1.75% transaction fee (if you’re not using the ScotiaGold Passport® Visa* Card). Ideally, the value you’re getting from your card should outweigh the cost of using it to make the payment.
Earn Scene+ Points on Condo Fees with Casa
If you have a ScotiaGold Passport® Visa* Card, you can pay eligible condo fees through Casa with no transaction fees and earn Scene+ points when monthly spend requirements are met.²
Eligible payments earn 1 Scene+ point for every $1 spent.²
Here’s what that could look like:
Monthly Condo Fees | Scene+ Points/Month | Scene+ Points/Year |
$500 | 500 | 6,000 |
$700 | 700 | 8,400 |
$1,000 | 1,000 | 12,000 |
A $1,000 monthly condo fee payment could earn you 12,000 Scene+ points per year, worth over $120 when redeemed for groceries, dining, travel, fuel, movie tickets, and more.
For illustrative purposes only: These examples only reflect the points earned from rent payments and assume the client has met the minimum $350 spend threshold in other goods and services each month. They don't include the welcome bonus of up to 10,000 Scene+ points or any additional points you may earn from your everyday purchases with the ScotiaGold Passport® Visa* Card.³ Depending on your spending habits, your total annual rewards will vary.
Benefits of Paying Condo Fees with a Credit Card
There are quite a few benefits of paying condo fees or strata fees with a credit card, including:
Earning Rewards: Depending on the card you use, you could earn points, cash back, or other rewards on the condo fees you’re already paying for each month.
Track condo fee payments in one place: Paying through your card can make it easier to see recurring condo payments on your monthly statement.
Convenience: With Casa, you can pay eligible condo fees with your preferred Visa or Mastercard, even if your condo corporation doesn’t accept credit cards directly.
Frequently Asked Questions
What if my condo corporation doesn't accept credit cards?
Your condo corporation doesn’t need to accept credit cards. Casa charges your credit card and sends the payment using a supported payment method, so nothing changes for your condo corporation or property manager in how they receive your payment.
Can I pay strata fees with a credit card in BC?
Yes. Strata fees work exactly like condo fees - you can pay them by credit card through Casa, regardless of whether your condo corporation accepts credit cards.
Can I earn credit card rewards on condo fees?
Yes, depending on your credit card and the amount of the transaction, you can earn points, cash back, or other rewards on condo fee payments. Just make sure the rewards you earn outweigh Casa’s transaction fee, or use the ScotiaGold Passport® Visa* Card, which has no transaction fees on eligible payments.
Can I earn Scene+ points on condo fees?
Yes, you can earn Scene+ points on condo fees by using the ScotiaGold Passport® Visa* Card. You’ll earn 1 Scene+ point per $1 spent when monthly spend requirements are met, with no transaction fees.1
Does Casa charge a fee to pay condo fees by credit card?
Yes, there is a 1.75% transaction fee for payments with a Visa or Mastercard. However, there is no transaction fee if you use the ScotiaGold Passport® Visa* Card.
Does my condo corporation need to sign up for Casa?
No, your condo corporation or property manager doesn’t need to sign up for Casa or accept credit cards directly. You set up the payment through Casa, and we send the payment to the recipient.
Start Earning Rewards on Your Condo Fees
With Casa, you can pay your condo fees with an eligible credit card and earn rewards on a large monthly expense you’re already paying. Even better, when you use the ScotiaGold Passport® Visa* Card, you can earn Scene+ points on eligible condo fee payments with no transaction fees.
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