American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
American Express
Cobalt® Card
American&nbsp;Express<br>Cobalt<sup>®</sup> Card
Live life your way and get rewarded
Apply Now

Earn up to 50,000 Membership Rewards® points1,31

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

Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.31

Financial Information

Card TypeCredit Card
Additional CardsNo annual fee2
Annual Interest Rate20.99% on purchases and
21.99% on funds advances*
Monthly Fee$12.99*

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



On eats & drinks

Such as eligible restaurants or food delivery in Canada3



On streaming subscriptions

For eligible streaming subscriptions in Canada3



On travel & transit

From eligible ride shares in Canada to a weekend getaway3



On everything else

From online shopping, and more3



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


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.

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

    Apply now for the Cobalt<sup>®</sup> Card and get a response in 60 seconds.
    More from American Express

    Transform how you experience the world with The Platinum Card®

    Discover rewards that can take you places, with access to benefits that elevate every experience.