American Express Cobalt® Card 

American Express Cobalt® Card 
Welcome Bonus
Up to 15,000 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
21.99 %
Cash Advance Rates
21.99 %
Balance Transfer Rates

American Express Cobalt® Card
Up to 15,000 Membership Rewards Points
Apply Now


  • In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3x the points on eligible streaming subscriptions in Canada
  • Earn 2X the points on eligible ride shares, transit & gas in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
  • Earn 1X point for every $1 in Card purchases everywhere else
  • Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • 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 21.99%
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 15,000 Membership Rewards Points
Minimum Spending Required $9,000
Minimum Spending Timeframe (Months) 12 month(s)
Transferable Points
Rewards Type Travel Rewards, Cash back
Transfer Partners Aeroplan, Asia Miles, British Airways Executive Club, Etihad Guest, Flying Blue, Hilton Honors, Marriott Bonvoy, Membership Rewards American Express
Loyalty Program Membership Rewards American Express


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

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

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