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American Express
Cobalt® Card

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

Live life your way and get rewarded

Earn up to 30,000 Membership Rewards points1

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

That’s up to $300 towards a weekend getaway or shopping spree.11

Every point counts with Amex.

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
(Equals fee of $155.88 per year of Cardmembership)

Every point counts with Amex

Whether you choose to redeem your points to cover your groceries or a flight for your next getaway, get the Card that makes life more rewarding.11

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

American Express Cobalt® Card Awards

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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 all eligible purchases

All Benefits


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 2 separate Missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate Missed Payments, the applicable rates will be 28.99%. See the Information box included with the application for the definition of Missed Payment and which rates apply to changes on your account and other details.
    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.

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