Discover Why the American Express Cobalt!

Maximize your rewards on every purchase—experience more with the American Express Cobalt Card!

If you’re ready to supercharge your spending and earn serious rewards, the American Express Cobalt Card is the key to unlocking a world of possibilities! From coffee runs and grocery hauls to travel adventures and exclusive experiences, this card transforms your everyday purchases into valuable points and memorable moments.

With an energetic rewards program, exceptional flexibility, and benefits that go far beyond the ordinary, the American Express Cobalt Card isn’t just another credit card—it’s your passport to a richer, more rewarding lifestyle. Get ready to see how every dollar you spend can open the door to the perks you truly want!

Over 10 Benefits of the American Express Cobalt Card

1. Earn 5x Points on Eats & Drinks

Dining out, grocery shopping, food delivery—get a whopping 5x points on every dollar you spend on eats and drinks! That’s right, every meal and snack moves you closer to your next reward.

2. 3x Points on Streaming Services

Love to binge-watch? The Cobalt Card lets you rack up points faster with 3x on eligible streaming services, turning your downtime into serious earning time.

3. 2x Points on Transit & Gas

Whether you take public transit, rideshares, or drive your own car, you’ll earn 2x points on every dollar spent on transit and gas, helping you get rewarded on your commute.

4. 1x Points on Everything Else

No purchase is left behind! Get 1x points on all your other spending so that every dollar counts.

5. Flexible Points Redemption

Your points, your rules! Redeem for flights, hotels, merchandise, gift cards, or even as a statement credit—flexibility at its best.

6. Amazing Welcome Bonus

Start strong! New cardmembers can enjoy a rich welcome bonus of Membership Rewards points after meeting the minimum spend, giving your rewards balance an instant boost.

7. Mobile Device Insurance

Protect your smartphone and other eligible mobile devices from accidental damage, theft, or loss, just by paying your phone bill with the Cobalt Card.

8. Robust Travel Insurance

Enjoy peace of mind with a suite of travel insurances, including emergency medical, trip interruption, car rental damage, and more.

9. Shopping Protection

Get extended warranty, purchase protection, and even insurance for online shopping—shop confidently knowing you’re covered.

10. Access to Amex Offers & Experiences

Unlock exclusive access to Amex Offers, early event tickets, and experiences that money can’t always buy, just for being a cardmember.

11. Monthly Payment Flexibility

Budget smarter with a monthly fee (instead of annual) and flexible payment options, helping you manage your finances with ease.

12. Family & Supplementary Cards

Add family members to your account as supplementary cardholders and maximize your earning potential together!

13. Strong Security Features

Benefit from advanced security and fraud detection, plus 24/7 customer support from American Express.

Who Can Apply for the American Express Cobalt Card?

• You must be a Canadian resident and have a Canadian credit file.
• You must be the age of majority in your province or territory.
• You need a personal annual income (no strict minimum, but good credit is typically required).
• You must not have declared bankruptcy in the past seven years.
• You need a valid Canadian address and phone number.
• Additional eligibility criteria may apply as per Amex’s review.

How to Apply for the American Express Cobalt Card

1. Visit the official American Express Canada website.
2. Locate the Cobalt Card page and click “Apply Now.”
3. Fill out the online application form with your personal details (name, address, contact, SIN, etc.).
4. Provide your financial and employment information.
5. Read and agree to the terms and conditions.
6. Submit your application for instant review.
7. Wait for a response—many applicants receive a decision within minutes.

Frequently Asked Questions (FAQs)

What is the annual or monthly fee for the American Express Cobalt Card?

The Cobalt Card charges a manageable monthly fee instead of an annual fee, making it budget-friendly and easy to handle.

How do I earn points with this card?

You earn Membership Rewards points on every dollar spent—5x on eats and drinks, 3x on streaming, 2x on transit/gas, 1x on everything else.

What can I redeem my points for?

Points can be redeemed for travel, merchandise, gift cards, statement credits, and more.

Is there a welcome bonus for new cardholders?

Yes! New cardmembers are eligible for a generous welcome bonus when they meet the initial spending requirements.

Does the card offer travel insurance?

Absolutely! The card comes with comprehensive travel insurance, including emergency medical, trip interruption, and rental car coverage.

Can I use the Cobalt Card abroad?

Yes, you can use it internationally wherever American Express is accepted, though foreign transaction fees may apply.

What are supplementary cards, and can I add family?

You can add supplementary cards for family or trusted friends, letting you earn points together on the same account.

Does the Cobalt Card protect my purchases?

Yes, you get purchase protection, extended warranty, and even coverage for mobile devices when you pay with your card.

Are there any restrictions on who can apply?

Applicants must be Canadian residents, have a good credit history, and meet Amex’s eligibility requirements.

How do I check my application status?

You can check the status online or by contacting American Express customer service directly.

What if I lose my card or suspect fraud?

Call Amex immediately—they offer 24/7 support and strong fraud protection so you’re always covered.

Can I pay my balance in full or make partial payments?

You can choose to pay in full each month or carry a balance, with flexible payment options.

Will applying for this card impact my credit score?

Yes, as with all credit applications, Amex will perform a credit check that can affect your credit score temporarily.