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Side by Side Credit Cards Comparison
American Express Cobalt® CardVSAmerican Express Gold Rewards Card®
Which one is better?
American Express Cobalt® Card
5.0
American Express Gold Rewards Card®
4.5
Welcome Bonus
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.
Welcome Bonus
Earn up to 60,000 Membership Rewards® points. New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Rewards Breakdown
Annual Rewards
$1,030.99
American Express Membership Rewards
First Year Bonus Value
+
$300
American Express Membership Rewards
Annual Fee
-
$155.88
First Year Value
$1,175.11
$875.11 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$565.19
American Express Membership Rewards
First Year Bonus Value
+
$1,200
American Express Membership Rewards
Annual Fee
-
$250
First Year Value
$1,515.19
$315.19 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
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. Check here for full details and current product information.
**Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
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. Check here for full details and current product information.
1 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%.
2 Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
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