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American Express CobaltTM Card

Earn up to 45,000 Membership Rewards® points2,23

Card Type
Credit Card
Monthly fee
Annual Interest Rate
19.99% on purchases and 21.99% on funds advances*
Additional Cards
No additional cost11

Key Benefits


Up to 45,000 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 Membership Rewards points2

Added Bonus
Plus, when you apply by May 5, 2021, you can earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.23


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


The Hotel Collection19 from American Express®

American Express CobaltTM Cardmembers will receive access to the following benefits at over 600 participating hotels and resorts in over 30 countries worldwide, when booking a minimum of two consecutive nights online with American Express Travel using their Basic American Express® Card:
  • Up to a $100 USD hotel credit on qualifying hotel amenities charged to the room, such as dining, spa, golf or other hotel facilities. It cannot be used against the room rate, taxes, or any fees. Other restrictions may also apply depending on the property.
  • Complimentary room upgrade at check-in, when available.
Varies by property and facilities available.
    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 an eligible Basic Cardmember, you17 can refer a friend and earn a referral bonus for each approved referral, up to a maximum annual referral bonus of 75,000 Membership Rewards points for approved referrals18
    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.
    • Out of Province/Country Emergency Medical Insurance (For under age 65)†12
    • Flight Delay Insurance†12
    • Baggage Delay Insurance†12
    • Hotel Burglary Insurance†12
    • Lost or Stolen Baggage Insurance†12
    • Car Rental Theft and Damage Insurance†13
    • $250,000 Travel Accident Insurance†14
    • Purchase Protection® Plan†12
    • Buyer’s Assurance® Protection Plan†15
    : 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. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.

      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

      Plan It™ - The American Express® Installment Program

      Choose a portion of your statement balance to pay in monthly installments. Terms and conditions apply.20
      • Fixed monthly fee21,22
      • Allows for flexibility and control
      • 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

      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 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.