American Express Cobalt® Card
American Express · AMEX
The American Express Cobalt® Card is a credit card from American Express on the AMEX network. It has an annual fee of C$191.88. It earns 5x on dining & restaurants, 3x on streaming & subscriptions, 2x on gas & fuel. The welcome offer is Earn up to 15,000 Welcome Bonus Membership Rewards® points. Get more out of life and earn rewards along the way with the Membership Rewards® Program. Every point counts with Amex.
Key facts
- Annual fee
- C$191.88
- Purchase APR
- 21.99% on purchases and 21.99% on funds advances
- Network
- AMEX
- Welcome offer
- Earn up to 15,000 Welcome Bonus Membership Rewards® points. Get more out of life and earn rewards along the way with the Membership Rewards® Program. Every point counts with Amex.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 5x | 5X points On eats & drinks |
| Streaming & subscriptions | 3x | 3X points On streaming subscriptions |
| Gas & fuel | 2x | 2X points On gas, transit & ride share |
| Transport & transit | 2x | 2X points On gas, transit & ride share |
| Everything else | 1x | 1X points On everything else |
Benefits and perks
- Front Of The Line® Advance Access
- Front Of The Line® Reserved Tickets
- Front Of The Line® E-Updates
- Special Offers & Experiences for all Cardmembers
- Special Access for all Cardmembers
- Learn more about Amex Invites®9 at amexinvites.ca
- American Express Cobalt Cardmembers will receive regular perks, bonus rewards and access to great events
- 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.
- Earn 5X the points on eligible eats & drinks
- Earn 3X the points on eligible streaming subscriptions
- Front Of The Line® Access
Rates and fees
Annual membership fee: C$191.88. Purchase APR: 21.99% on purchases and 21.99% on funds advances, based on creditworthiness and the Prime Rate. Cash advance APR: 21.99%.
Rates and fees as published by the issuer and recorded on 10 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the American Express Cobalt® Card
What is the annual fee on the American Express Cobalt® Card?
The American Express Cobalt® Card has an annual fee of C$191.88.
What rewards does the American Express Cobalt® Card earn?
The American Express Cobalt® Card earns 5x on dining & restaurants, 3x on streaming & subscriptions, 2x on gas & fuel, 2x on transport & transit, 1x on everything else.
Is the American Express Cobalt® Card worth it?
The American Express Cobalt® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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