American Express Cobalt® Card
$75
Promotional Finly rebate expires on December 30, 2026
Amex Cobalt
Credit Card · Apply through Finly
Cash back
$75
Finly rebate
Get $75 rebate* on an approved American Express Cobalt® Card
Apply through Finly and get approved for the American Express Cobalt® Card to earn our Finly rebate — sent to your bank via Interac e-Transfer once your application is approved. Terms and conditions apply.**
Plus, you can earn the Card’s welcome bonus from American Express.
*To receive the FinlyWealth Rebate, you must apply and be approved for the American Express card through this page. We recommend that you accept cookies. If you do not, we may not be able to fulfill the rebate offer.
Paid via INTERAC e-Transfer
Secure & private
$1.8M paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Only valid for new American Express Cobalt® cardholders.
- Subject to approval by American Express Canada.
- If you were approved but it's not reflected on your FinlyWealth account within 5 days, please reach out to our team with your American Express application reference number.
The card
Why Amex Cobalt?
Best travel points earning credit card in Canada
How to earn the 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.
Earns rewards on
1x - 5x
- 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
Fees & rates
Annual fee
Billed monthly
Purchase interest
Cash advance interest
Foreign transaction
Additional cards
Credit recommended
Annual fee for Quebec residents is $191.88, charged yearly.
Built-in perks & coverage
Amex Experiences™
Travel Medical Insurance (64 & under)
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
Ready when you are
$75 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points — just real cash.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
FinlyWealth's terms for this offer, followed by disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Offer legal content
**Terms & conditions apply. The $75 FinlyWealth rebate offer is provided by FinlyWealth and is only available on approved applications for new American Express® Cobalt® Cardmembers only. FinlyWealth rebates will be paid by FinlyWealth upon an approved application and available only for applications that are received by American Express through the links on finlywealth.com. In the case of a declined, abandoned or cancelled application, FinlyWealth rebates will not be awarded. FinlyWealth rebate offers are fulfilled by Finly and are separate from any offers that are available on American Express cards. American Express is not responsible or liable for any aspect of the FinlyWealth rebate offer or program.
Do not leave the application page before completing it. If your application is not instantly approved, American Express will provide you with a reference number. Customers are advised to write down the reference number American Express provides you after the application is completed. You will need the reference number to provide to FinlyWealth if your application was approved but you did not receive the FinlyWealth rebate offer. If you have any questions about your reference number, please call American Express at 1-800-668-AMEX (2639). FinlyWealth will share customer data with American Express for the purpose of fulfilling the FinlyWealth rebate offer. FinlyWealth will not use application status for any other purpose other than for FinlyWealth rebate offer fulfillment. You agree that American Express is permitted to share information (including personal information) necessary to allow FinlyWealth to fulfill this offer.
Product legal content
*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.