lowkey lucra’s wallet

Why @lowkeylucra carries this

my main driver

How you earn 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

Card details

Interest Rates

Purchase: 21.99%*

Cash Advance: 21.99%*

^* 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%.

Annual Fees

Main Card: $191.88 ($15.99 Monthly)⁕

Additional Cards: $0

⁕ Annual fee for Quebec residents is $191.88, charged yearly.

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.

Annual Income

Personal: N/A

Household: N/A

Credit Score Estimate

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Card Type

Credit

Reward Type

Type: Points

Loyalty Program: American Express Membership Rewards

Our Rating

4.9/5

Institution

American Express

Awards

Best Travel Rewards Credit Card

2026

Insurance & Benefits

10 insurance

2 benefits

Insurance

Coverage

Travel Medical Insurance (64 & under)

15 days, up to $5M (if under age 65)

Flight Delay

$500

Baggage Delay

$500

Hotel Burglary Insurance

$500

Lost or Stolen Baggage

$500

Common Carrier Travel Accident Insurance

$250,000

Car Rental Damage & Theft

yes

Mobile Device Insurance

$1,000

Purchase Protection

90 days

Extended Warranty

1 year

Benefits

Details

Amex Experiences™

Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™

Travel Credit

Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.

Pros & Cons

Pros

Impressive optimization
1:1 Aeroplan point transfer
Generous welcome bonus
Flexible high value redemptions
Comprehensive coverage
Highly ranked
Instant decision. No credit impact.

Cons

Limited acceptance
Lacks valuable coverage categories

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.