The American Express Cobalt® Card is designed to reward your everyday spending with points that can be redeemed for travel, dining, and more. With a monthly fee of $12.99, it offers a competitive rewards structure, including 5X points on eats and drinks, 3X points on streaming subscriptions, 2X points on travel and transit, and 1X point on all other purchases. Additionally, cardholders enjoy exclusive benefits such as Front Of The Line® access to events, special hotel perks, and comprehensive travel and shopping coverage.

The American Express Cobalt® Card is designed to reward your everyday spending with points that can be redeemed for travel, dining, and more. With a monthly fee of $12.99, it offers a competitive rewards structure, including 5X points on eats and drinks, 3X points on streaming subscriptions, 2X points on travel and transit, and 1X point on all other purchases. Additionally, cardholders enjoy exclusive benefits such as Front Of The Line® access to events, special hotel perks, and comprehensive travel and shopping coverage.

Advantages of the American Express Cobalt® Card

The American Express Cobalt® Card stands out for its generous rewards program. Cardholders can earn 5X points on eligible dining and food delivery purchases within Canada, making it ideal for food enthusiasts. Additionally, 3X points are awarded for eligible streaming subscriptions, perfect for entertainment lovers. Travel and transit purchases earn 2X points, and all other purchases earn 1X point. The card also offers a unique earning opportunity of 1 additional point on eligible Amex Travel Online bookings. Moreover, new cardmembers can earn up to 15,000 Membership Rewards® points in the first year by spending $750 each month.

Disadvantages of the American Express Cobalt® Card

While the American Express Cobalt® Card offers impressive benefits, it does come with some drawbacks. The monthly fee of $12.99, which totals $155.88 annually, might be a consideration for some potential users. The interest rates are relatively high at 21.99% for purchases and funds advances, which could be costly if you carry a balance. Additionally, the card’s high rewards categories are limited to specific spending areas within Canada, which might not be ideal for those with diverse spending habits or those who travel frequently outside of Canada.

Extra features offered by the American Express Cobalt® Card

The American Express Cobalt® Card comes with a suite of extra features designed to enhance your lifestyle. With Front Of The Line® access, cardholders can purchase presale and reserved tickets for concerts, theater productions, and special events. The Hotel Collection benefits include special offers when staying two or more consecutive nights at participating properties. Members also enjoy additional perks from top brands, mobile and travel coverage, and shopping protection. Furthermore, points can be redeemed for a wide range of purchases, from groceries to travel expenses, ensuring that every point earned can be put to good use.

Learn how to apply for your American Express Cobalt® Card

Applying for the American Express Cobalt® Card is a straightforward process. Interested individuals can apply online through the American Express website and receive a response within 60 seconds. The online application requires basic personal and financial information. Ensure you meet the eligibility criteria before applying to save time and increase the likelihood of approval.

Discover the main ways to apply for the American Express Cobalt® Card

There are several convenient ways to apply for the American Express Cobalt® Card. You can apply directly on the American Express website, through the American Express mobile app, or by visiting an American Express branch or agency. Each method offers a simple and quick application process, allowing you to choose the most convenient option for your needs.

Prerequisites for request

Before applying for the American Express Cobalt® Card, ensure you meet the following prerequisites: – You are a Canadian resident with a Canadian credit file. – You have reached the age of majority in your province or territory. – You have a good credit history and meet the income requirements set by American Express. Meeting these criteria will help streamline your application process and improve your chances of approval.

From the site

To apply for the American Express Cobalt® Card from the site, visit the American Express Canada website, navigate to the Cobalt® Card page, and click on the ‘Apply Now’ button. Follow the prompts to complete your application, providing the necessary personal and financial information.

From the site App

You can also apply via the American Express mobile app. Download the app, create or log into your account, and select the Cobalt® Card from the list of available cards. Complete the application form and submit it through the app.

By agency

If you prefer a more personal touch, you can visit an American Express agency or branch. A representative will guide you through the application process, answer any questions you might have, and help you submit your application.

The American Express Cobalt® Card is a versatile and rewarding credit card that caters to a wide range of spending habits. Its robust rewards program, exclusive benefits, and additional features make it a valuable addition to your wallet. While it comes with a few drawbacks, such as a monthly fee and high interest rates, the advantages often outweigh the disadvantages, especially for those who can maximize the rewards categories. If you meet the eligibility requirements and are looking for a card that offers flexibility and valuable perks, the American Express Cobalt® Card is an excellent choice.

The American Express Cobalt® Card is a versatile and rewarding credit card that caters to a wide range of spending habits. Its robust rewards program, exclusive benefits, and additional features make it a valuable addition to your wallet. While it comes with a few drawbacks, such as a monthly fee and high interest rates, the advantages often outweigh the disadvantages, especially for those who can maximize the rewards categories. If you meet the eligibility requirements and are looking for a card that offers flexibility and valuable perks, the American Express Cobalt® Card is an excellent choice.