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Whether you're ordering in or going out, cabbing around the corner or flying out, the American Express CobaltTM Card rewards you for being you. With perks, points, and rewards tailored to the life you lead, check out what your Cobalt Card is doing for you.
Being a Cobalt Cardmember has its perks. Check out all the sweet stuff Cobalt has in store for you!
Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies1.
Cobalt Cardmembers receive regular perks such as bonus reward offers and access to great events2!
Although it is not mandatory, the easiest way to make sure you stay on top of upcoming offers is to provide us with your email - click here to opt-in to receive marketing notifications from American Express. Some offers are only available to Basic American Express Cobalt Cardmembers who receive the offer by email. You can also bookmark this page and come back often to see what offers are currently available for Cobalt Cardmembers.
Make the most of your Card
1. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
2. Various offers will be available to Cobalt Cardmembers from time to time. These offers will be communicated by email and other select channels. Conditions apply and vary by offer.
®, TM: Used by Amex Bank of Canada under license from American Express.
Cobalt is the Card that rewards you for being you
Travel your way and get rewarded for it. With insurance coverage and 2x the points on eligible travel purchases1, Cobalt can set you up for getaways near and far.
Travel Coverage
Enjoy a wide array of insurance benefits when you travel and experience all the adventures ahead of you†.
View the Certificate of Insurance.
To submit a claim for Travel Accident Insurance3†, please call 1-877-777-1544 (toll-free from the US & Canada).
To submit a claim for Out of Province/Country Emergency Medical Insurance2†, please call:
Toll-free from the US & Canada: 1-800-243-0198
Collect from anywhere in the world: (905) 475-4822
For other coverages listed above, please visit the Online Claims Portal to submit a claim.
† All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
The Hotel Collection4 from American Express
As a discerning traveler, you know the difference complimentary extras can make to your stay, so we know you’ll appreciate this hotel benefit, created with Cobalt Cardmembers in mind. Book with American Express Travel and stay two consecutive nights or more at any property in The Hotel Collection from American Express using your Basic American Express® Card, and you will receive up to a $100 USD hotel credit towards qualifying hotel amenities like dining, spa or other leisure facilities that are charged to your room, and a room upgrade at check-in, when available.†
†Varies by property and facilities available.
Book Travel Online
110,000 hotels, 1,500 car rental agencies, and over 1,000 flight destinations around the world means you can get what you want with American Express Travel . Use your American Express Cobalt Card to book and discover the wonders the world has to offer.
American Express Cobalt Cardmembers also earn one (1) additional Membership Rewards point for every $1 on all eligible Hotel and Car purchases charged to your Card on American Express Travel5. That’s 3 points for every $1 in Card purchases!
1. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $30,000 in net purchases posted to your account annually on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
3. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
4. Valid at participating hotels for new bookings of at least two consecutive nights made through americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Cobalt Cardmember’s name at time of checkout. The Cobalt Cardmember must travel on the itinerary booked.
(1) The Cardmember will receive the credit as deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Amenities vary by property and facilities available. Eligible charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay.
(2) A one category room upgrade is based on availability and eligibility at check-in to the hotel. Three-room limit per Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating hotels and benefits subject to change.
5. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your American Express Cobalt Card for eligible hotel and car rental bookings (less credits and adjustments) made through the American Express Travel website where American Express Travel (not the hotel or car rental company) is the merchant. Hotel bookings under The Hotel Collection program are not eligible for this bonus Membership Rewards points offer. The number of bonus Membership Rewards points is calculated by multiplying each eligible transaction by one subject to rounding. Terms and Conditions of the Membership Rewards Program apply. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.
†All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
®, TM: Used by Amex Bank of Canada under license from American Express
The more you do, the more you get to do.
Featured Rewards
1. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $30,000 in net purchases posted to your account annually on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
2. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Eligible Travel Purchases 1000 points=10 statement credit. All other eligible purchases 1000 points=$7 statement credit. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.
3. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards Points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers. Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.
The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference:
(i) cannot be used to cover taxes, fees or carrier surcharges;
(ii) will not be credited to your Card account; and
(iii) will not be applied to cover additional costs associated with changes or cancellations.
The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.
Example 1:
A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).
If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.
Example 2:
A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).
You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid above, at any time.
The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit membershiprewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
4. Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express Travel Services at 1-800-611-1100 or (416) 868-4992 for details about how you can use your Membership Rewards points. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
5. By participating in Amazon.ca’s Shop With Points program using American Express Membership Rewards (“MR Points”), you agree to these Service Terms as well as Amazon.ca’s Terms of Use (including “Frequently Asked Questions”). Please review them carefully, together with Amazon.ca’s Privacy Notice, to understand Amazon.ca’s practices.
To use your MR Points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account (“MR Points Account”) must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR Points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud. You agree that Amazon.com.ca, Inc. and its affiliates (collectively, “Amazon”) may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, “Amex”). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop With Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR Points Account and, once enrolled, Amex may provide Amazon with information about your MR Points Account, including your total MR Points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR Points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop With Points program for any purpose other than as expressly set forth in this paragraph.
Certain items at Amazon.ca are not eligible for purchase using MR Points, and these items may change at any time. MR Points may not be used when making purchases with 1-Click. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR Points Account, or an Amazon.ca Gift Certificate. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points Account at the time your MR Points are ultimately redeemed. If you don’t have enough MR points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca.
Returns are subject to Amazon’s returns policy. If Amazon accepts a return for an item you purchased using only MR Points, those MR Points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR Points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR Points to your MR Points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card.
6. Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
7. To redeem your points on Ticketmaster.ca, you can redeem 2,000 Membership Rewards Points is equal to $20 in Ticketmaster Credit. To qualify:
- You must charge your purchase to an eligible American Express Card enrolled in the Canadian Membership Rewards program.
- Your American Express Card account(s) must be in good standing.
- You must have available the minimum number of Membership Rewards points indicated to redeem for this purchase.
- Your American Express Card account will be charged for that day’s purchase.
If you qualify, American Express will debit Membership Rewards points from your program account and issue a credit for the corresponding dollar amount to the Card account charged for your ticket purchase. Credits may not appear during the same billing period as the charge for your ticket purchase. If the points redeemed do not cover the entire amount of the charge for your ticket purchase, the charge for the balance of the purchase will remain on your Card account. Ticket purchases failing to qualify for Membership Rewards point redemption will remain charged to your American Express Card account and are subject to the venue’s and Ticketmaster’s no refund/no exchange policy.
- Permitted returns of Ticketmaster tickets that result in a credit on your Card account will not automatically result in a credit to your Membership Rewards account. In order to receive a Membership Rewards credit, please call the number on the back of your Card.
- If you use an eligible American Express Credit Card, please note that a Membership Rewards redemption credit to your Card account is not considered a payment. You must still make a separate payment in accordance with your Cardmember Agreement.
®, TM: Used by Amex Bank of Canada under license from American Express
Your life doesn't keep regular office hours, so neither do we. Our dedicated customer service team always has someone local available to talk about whatever you need, wherever you are in the world.
Account Inquiries, Lost or Stolen Cards, or General Information:
In Canada/U.S
1-800-668-2639
Montreal
(514) 329-4444
International - please call collect
(905) 474-9380
Account Management
There is so much more to the Amex App and Online Services than paying your bill and seeing your transactions.
Safety & Security
Buyer's Assurance® Protection Plan1†
Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your Cobalt Card.
Visit the Online Claims Portal to submit a claim.
You can be insured for eligible items charged to your Cobalt Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).
Visit the Online Claims Portal to submit a claim.
Use your American Express Cobalt Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN3.
Problem? Wherever you are, call us and we'll help sort it.
Make the most of your Card
1. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
3. Use the American Express Cobalt Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.
†All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
®, TM: Used by Amex Bank of Canada under license from American Express