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American Express CobaltTM Card

Enjoy a special low interest rate of 7.99% on purchases charged to your Card within the first 6 months**
Earn up to 30,000 Membership Rewards® points2
Earn up to 30,000 Membership Rewards® points

Card Type
Credit Card
Monthly fee
Annual Interest Rate
19.99% on purchases and 22.99% on funds advances*
Additional Cards
No additional cost11

Key Benefits


Up to 30,000 Bonus Points:
In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year2


From grocery shopping to dining out, earn 5 points for every $1 in Card purchases at eligible restaurants, bars, cafés, and even food delivery in Canada1


It can be a cab across town, the morning bus, or a weekend hotel stay. Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases1


Concerts? Sneakers? Movie tickets? Whatever you’re into, earn 1 point for every $1 in Card purchases on everything else1

Entertainment Access

Say hello to American Express Invites®8. It opens the door to memorable experiences we think you’ll love!
  • Front Of The Line® Advance Access8
  • Front Of The Line® Reserved Tickets8
  • Front Of The Line® E-Updates
  • Special Offers & Experiences for all Cardmembers
  • Special Access for all Cardmembers9
  • Learn more about Amex Invites®9 at

Special Offers

Get access to perks just for you
  • American Express Cobalt Cardmembers will receive regular perks, bonus rewards and access to great events10


Enjoy great benefits while you travel

The Hotel Collection20 from American Express®

Your Cobalt Card brings fantastic benefits at more than 500 participating hotels and resorts in more than 30 different countries. The Hotel Collection benefits include:
  • A $75 USD hotel credit to use on amenities such as dining, spa or other leisure facilities when charged to the room*
  • A one-category room upgrade at check-in, when available**
* Varies by property and facilities available

** One-category room upgrade is based on availability and eligibility at check-in.

In order to take advantage of the benefits, you must book a minimum 2-night consecutive stay at a participating property online through American Express® Travel online.
    Get rewarded on whatever you do and redeem your points the way you want.
    Earn Points
    • 5X the points on eligible eats & drinks1
    • 2X the points on eligible travel & transit1
    • 1X the points on everything else1
    • As a Cardmember, you18 can refer a friend and earn a referral bonus of 7,000 bonus Membership Rewards® points for each approved referral, up to a maximum annual referral bonus of 75,000 Membership Rewards points19 if your friend applies for the Cobalt Card from October 2, 2018 to January 16, 2019
    Redeem Points
    With your American Express Cobalt Card you can redeem your points towards whatever card purchases you want5 – your options are anything but limited:
    • Streaming services
    • Movie tickets
    • Eats & drinks
    • Retail
    • And more
    You’ll also be able to redeem points through some of our other reward programs:
    • Flights through the Fixed Points Travel Program3
    • Concerts and events on Ticketmaster.ca6
    • Travel on American Express Travel Online7
    • Gift cards and merchandise through
    • Purchases on Amazon.ca4

    Travel & Shopping Coverage

    Sometimes things happen. Whether you’re backpacking overseas or shopping around the corner, your Card comes with travel & shopping related benefits that can keep you covered.
    • Emergency Medical Insurance†12 (Out of province/country)
    • Flight Delay Insurance†12
    • Baggage Delay Insurance†12
    • Hotel/Motel Burglary Insurance†12
    • Lost or Stolen Baggage Insurance†12
    • Car Rental Theft & Damage Insurance†13
    • $250,000 Travel Accident Insurance†14
    • Purchase Protection® Plan†15
    • Buyer’s Assurance® Protection Plan†16
    All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

      World-class Service

      Wherever you are and whatever the time, we’re here for you in more ways than one.
      • 24/7 Customer Service
      • Emergency Card Replacement
      • Fraud Protection Guarantee
      • Manage your Account Online
      To save time, make sure you can say yes to all of the following before applying for the American Express Cobalt Card:
      • You are a Canadian resident and have a Canadian credit file
      • You are the age of majority in the province or territory where you live

      Ready to apply?

      Apply now for the American Express CobaltTM Card and get a response in 60 seconds.
        *Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. 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.

        ** Subject to these terms and conditions, you are eligible for a special interest rate of 7.99% on purchases charged and posted to your card within the first 6 months, provided that you choose to carry a balance and you do not have a Missed Payment.

        If you have one Missed Payment at any time after the first purchase eligible for the special interest rate is posted to your account, the special interest rate will be revoked “Missed Payment” means we did not receive the minimum monthly payment by the payment due date.

        The applicable interest rate for purchases for your account (and not the special interest rate for purchases) applies:

        (i) to all purchases that are not charged and posted to your account within the required time frames

        (ii) to the balance remaining after the special interest rate for purchases expires, and

        (iii) to all purchases if the special interest rate for purchases is revoked.

        Interest on purchases applies from and including the transaction date or from and including the first day of the billing period in which the purchase is first charged to your account, if that date is later, until the day we receive payment in full of all charges.

        Funds advances, balance transfers, Amex cheques, charges for travellers cheques, fees and commissions are not purchases and do not qualify for the special interest rate for purchases. The special interest rate for purchases only applies to the account indicated.

        We reserve the right to withdraw this offer if your account is not in good standing, we become aware of any adverse credit information or if the Basic Rate for purchases applies to your account