American Express Cobalt® Card

American Express Cobalt® Card
Welcome Bonus
Up to 30,000 Membership Rewards points
Annual Fee
  • 5X points on groceries and dining
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
21.99 %
Balance Transfer Rates


  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year That’s up to $300 towards a weekend getaway or concert tickets
  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
  • Earn 3x the points on eligible streaming subscriptions in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won’t tell you where to spend, we’ll just reward you on your Card purchases
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $155.88
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 21.99%


Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value


Welcome Bonus amount Up to 30,000 Membership Rewards points
Minimum Spending Required $6,000
Minimum Spending Timeframe (Months) 12 month(s)
Transferable Points
Rewards Type Travel Rewards, Cash Back
Transfer Partners American Express Membership Rewards
Loyalty Program American Express Membership Rewards


Per dollar of purchases

All Spending 1 Membership Rewards point
Groceries 5 Membership Rewards points
Gas 2 Membership Rewards points
Dining and Food delivery 5 Membership Rewards points
Convenience Stores 5 Membership Rewards points
Drugstores 1 Membership Rewards point
Local Transport 2 Membership Rewards points
Travel 2 Membership Rewards points
Entertainment 1 Membership Rewards point
Recurring Payments 1 Membership Rewards point
Telecom/Internet 1 Membership Rewards point
Streaming services 3 Membership Rewards points
Online transactions 1 Membership Rewards point
Office Supplies 1 Membership Rewards point


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
1 year
Price Protection
Insurance Document
5 Milesopedia Rating