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American Express
Cobalt® Card

American&nbsp;Express<br>Cobalt<sup>®</sup> Card

Live life your way and get rewarded

This offer is only available to applicants referred from the partner that directed you to this page. If you leave this page or apply for another product, you will not be eligible for this offer. If you wish to return to this offer later, please access this page using the link originally provided to you.

Earn up to 30,000 Membership Rewards® points and a $100 statement credit1,31

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 year.1

Added Bonus:
Plus, get a $100 statement credit the first time you use your Cobalt Card to make a purchase of $100 or more on Ticketmaster.31

Financial Information

Card Type
Credit Card
Additional Cards
No annual fee2
Annual Interest Rate
20.99% on purchases and
21.99% on funds advances*
Monthly Fee

Live life your way and get rewarded for it

From earning points on your favourite things to exclusive Perks designed with you in mind – get rewarded for your lifestyle.

How You Earn

  • 5X


    On eats & drinks

    Such as eligible restaurants or food delivery in Canada3

  • 3X


    On streaming subscriptions

    For eligible streaming subscriptions in Canada3

  • 2X


    On travel & transit

    From eligible ride shares in Canada to a weekend getaway3

  • 1X


    On everything else

    From online shopping, and more3

  • 1


    On Amex Travel Online

    On eligible hotel or car rental bookings4

Cobalt Card Awards

All Benefits

Pay for almost anything with points

From groceries and gas to travel and streaming services, you can redeem your Membership Rewards points with Use Points for Purchases to cover eligible Card purchases.

1,000 points = $10 for any eligible purchase


The American Express® Installment Program

For purchases both large and small, use
Plan It™ to choose a portion of your statement balance to pay in monthly installments. Terms and conditions apply.

  • Simple to set up
  • Fixed monthly fee
  • Manageable payments
  • Learn more about Plan It™ at

Unsure about which Card is appropriate for you?

Use our Help Me Choose tool to find a Card for your wallet


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

Important Information

    *Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. 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.

    This offer is only available to new Cobalt Cardmembers. Some offers are only available for a limited time. Refer to offer communication for offer deadline, if applicable. Offer only valid for applications received online through the link provided in select communications from American Express, with the use of a specific promotion code. American Express reserves the right to accept applications after the applicable deadline date, but you will not be eligible for this offer.
    Apply now for the Cobalt<sup>®</sup> Card and get a response in 60 seconds.

    Apply now for the Cobalt® Card and get a response in 60 seconds.