The American Express® Cobalt® Card

Earn rates

• Eats & drinks (eligible restaurants, food delivery, groceries in Canada)5x

  5X points per $1

• Streaming subscriptions3x

  3X points per $1

• Gas, transit & ride share2x

  2X points per $1

• Everything else1x

  1X points per $1

• Amex Travel Online1x

  1 additional point per $1

Welcome offer

Earn up to 15,000 Membership Rewards points in your first year

Est. cash value

~$300

Bonus points

15,000

Minimum spend

$750

Spend window

30 days

Offer ends

—

Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 on the Card in your first year as a new Cobalt Cardmember, up to 15,000 points. Current or former Cardmembers with this Card are not eligible.

Fees

Annual fee

$191.88

Additional card

—

Foreign transaction fee

—

$15.99/month (equals $191.88 annually) for non-Quebec residents; $191.88/year for Quebec residents

Interest rates

Purchase APR

21.99%

Cash advance APR

21.99%

Balance transfer APR

—

Grace period

—

Rate effective date

—

Benefits & insurance

Lounge access

—

Insurance coverages

1

• Travel coverage

Redemption & eligibility

Reward currency

Membership Rewards points

Redemption options

Use Points for Purchases (1,000 points = $10), Travel, Gift cards, Merchandise

Transfer partners

—

Min. personal income

—

Min. household income

—