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American Express Cobalt™ Card

Earn up to 30,000 Membership Rewards® points2
Monthly fee $10

Card Type
Credit Card
Monthly fee
Annual Interest Rate
19.99% on purchases and 22.99% on funds advances*
Supplementary 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
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 5,000 bonus Membership Rewards® points for each approved referral, up to a maximum annual referral bonus of 75,000 Membership Rewards points19
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 Cobalt™ Card and get a response in 60 seconds.
    Apply Now
      * 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.