Finly Wallet
Buffing the leather…
Finly Wallet
Buffing the leather…
Finly Wallet
American Express Cobalt® Card
Swipe or tap a card · full details below
Finly Rebate
$75
Cash back paid by Finly after you’re approved — on top of the card’s own welcome offer.
Card offer
Up to 15,000 Membership Rewards® points
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
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
Card Type
Credit
Our Rating
4.9/5
Institution
American Express
Awards
Best Travel Rewards Credit Card
2026
Insurance
Coverage
Travel Medical Insurance (64 & under)
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
Mobile Device Insurance
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
Pros
Cons
*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.
