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Card Details
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 5/5 |
Institution | American Express |
Loyalty Program |
Fees & Rates
Annual Fee | $155.88 ($12.99 Monthly)⁕ |
Additional Card Fee | $0 |
Interest Rates | Purchase: 21.99%* Cash Advance: 21.99%* |
Eligibility
Credit Score Estimate | Fair |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | Up to 15,000 Membership Rewards® points |
Description | Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your amex cobalt credit card in the first Year. That's up to 15,000 Membership Rewards® points. |
* If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
⁕ For Quebec residents, $150/year. IMPORTANT NOTICE: Effective November 5, 2025, the monthly fee for non-Quebec residents will increase to $15.99 per month ($191.88 annually), and the annual fee for Quebec residents will increase to $191.88 per year.Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.