WITH COBALT,
THE POSSIBILITIES
ARE ENDLESS.
Live life your way
The more you do, the more you get to do.
Earn on eats, drinks, streaming subscriptions, transit and travel.
5X Eats & Drinks
Earn 5 points for every $1 on eligible eats & drinks including eligible restaurants, bars, cafes, grocery stores, and food delivery in Canada, up to $30,000 annually¹.
3X Streaming Subscriptions
Earn 3 points for every $1 spent on eligible Streaming Subscriptions in Canada1.
2X Gas, Transit & Ride Share
Earn 2 points for every $1 spent on eligible gas, transit & ride share purchases in Canada¹.
1X Everywhere Else
Earn 1 point for every $1 in Card purchases everywhere else¹.
Redeem your points, your way.
How you choose to use your points is up to you.
Redeem for whatever you love with Use Points for Purchases
With your American Express Cobalt® Card, when you make a purchase on your Card, you can then use your earned points to pay for virtually whatever you want. Subscription services, entertainment, eats and drinks or travel – you can use your points to pay for it2.
Download the Amex App and you can easily pay with points right from your phone. You can also see how you can use points for purchases using the app here.
Shop with Points
Merchandise
Go ahead and treat yourself or someone special. Redeem your points for top brand merchandise for all your household, electronic and style needs, plus so much more.3
Gift Cards
Use your points for a variety of gift cards such as The Keg, Cineplex Entertainment, Roots, and other gift card favourites.4
Amazon Shop with Points
Shop with Points is an easy way to use Membership Rewards points for eligible purchases at Amazon.ca.5
Travel with Points
Fixed Points Travel Program
With the Fixed Points Travel Program, we take the guesswork away. Redeem for flights with a fixed number of points so you always know what you’ll need for that next getaway6. Book any airline. Travel any day.
Flexible Points Travel Program
See the world with the Flexible Points Travel Program. Pay for your travel with your Cobalt Card, with Membership Rewards points, or a combination of both when you book through American Express Travel Online.7
Transfer Points to Partner Loyalty Programs
Enjoy more ways to travel the world. Transfer points 1:1 to several frequent flyer and other loyalty programs.8
Air Canada®* Pay with Points10
A minimum of 10 points is required to redeem using Pay with Points. You can choose to use for the total, or part of your purchase, and have the remaining balance charged to your American Express Card.
Add an Additional Card9
Download the Amex® App
Use the American Express® App to manage your account anywhere. And, be the first to know about exclusive offers by checking back regularly.
Manage your Account
Register for Online Services for convenient, secure access to your account information.
Stay in the know
Email updates give you the latest news on great offers, exciting contests, concerts and events, partner savings, account updates and much more.
1. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero on the 1st of each month. Earn 3 points for every $1 on eligible streaming subscriptions at select providers in Canada. The current list of providers is available at americanexpress.ca/streaming. Purchases with merchants that are not on the list or that are on the list but bundled with another product or service or billed by a third party such as a digital platform or a cable, telecommunications or internet provider, or a car manufacturer, are not eligible. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, and (ii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
2. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for Online Services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases, will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.
Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1 800 668 AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.
3. Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
Merchandise Availability: All merchandise rewards are subject to availability. If an order is not available, a similar item of equal value or greater will be substituted whenever possible. If a substitution is not available, your Membership Rewards points will be credited back to your program account and you will be contacted. Merchandise rewards are subject to change without notice. New merchandise rewards will be added to the program on a regular basis. Some rewards are available in limited quantities. Limited items will be noted in the product description.
Merchandise Delivery: Please allow 2-4 weeks for delivery. Cardmembers are required to provide a signature when rewards are delivered. Some items may have longer delivery times—this will be indicated. Orders are shipped via courier and require complete mailing address and telephone number for daytime delivery. (Orders cannot be shipped to a post office box.)
Merchandise Returns: Redeemed rewards are not refundable, exchangeable, replaceable or transferable for cash or credit.
4. Membership Rewards points can be redeemed for Gift Cards or certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward.
Delivery Information: Orders will be processed within 2 business days. If the value of the Gift Card, Prepaid Card or Certificate is less than $200, it will be delivered by Canada Post which could take up to one week for delivery. If the reward value is greater than $200 but less than $500, it will be delivered by Priority Post within 3-5 business days. If the reward value is $500 or more, it will be delivered by Priority Post within 3-5 business days and will require a signature upon delivery. If you are not available at home at the time of delivery, directions to the nearest postal location will be left at your door. Rewards that are not in stock may take additional time to deliver.
5. By participating in Amazon.ca’s Shop With Points program using American Express Membership Rewards (“MR Points”), you agree to these Service Terms as well as Amazon.ca’s Terms of Use (including “Frequently Asked Questions”). Please review them carefully, together with Amazon.ca’s Privacy Notice, to understand Amazon.ca’s practices. To use your MR Points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account (“MR Points Account”) must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR Points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud. You agree that Amazon.com.ca, Inc. and its affiliates (collectively, “Amazon”) may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, “Amex”). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop With Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR Points Account and, once enrolled, Amex may provide Amazon with information about your MR Points Account, including your total MR Points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR Points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop With Points program for any purpose other than as expressly set forth in this paragraph. Certain items at Amazon.ca are not eligible for purchase using MR Points, and these items may change at any time. MR Points may not be used when making purchases with 1-Click. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR Points Account, or an Amazon.ca Gift Certificate. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points Account at the time your MR Points are ultimately redeemed. If you don’t have enough MR points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca. Returns are subject to Amazon’s returns policy. If Amazon accepts a return for an item you purchased using only MR Points, those MR Points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR Points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR Points to your MR Points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card.
If you use a Corporate Card to make a purchase (whether alone or in conjunction with MR points), you agree that you are using the Corporate Card in accordance with your company’s policy. In the event that a returned item results in a credit to your Corporate Card instead of a return of MR points, it is your sole responsibility to resolve this with your company and you agree to hold Amazon and American Express harmless in respect of any loss you may incur. American Express Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners. If you have questions regarding your Points or your Points Account, please contact American Express at the number listed on the back of your Card.
6. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards Points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers. Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.
The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference:
(i) cannot be used to cover taxes, fees or carrier surcharges;
(ii) will not be credited to your Card account; and
(iii) will not be applied to cover additional costs associated with changes or cancellations.
The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.
Example 1: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).
If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.
Example 2: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).
You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid, at any time.
The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit membershiprewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
7. Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express Travel Services at 1-855-804-9600 for details about how you can use your Membership Rewards points. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing. When you redeem points for an eligible travel booking, the full cost of the flight, including taxes, fees and carrier surcharges will be charged to your card. Within 10 business days from the date of booking, you will receive a statement credit for the amount you redeemed. If your statement monthly cycle cut date falls between the date the transaction is recorded on your statement and the date the statement credit is processed, you will be responsible for paying your monthly statement in full. The statement credit will be applied against your next statement. If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable. Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
8. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
9. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
10. Air Canada Pay with Points: By participating in the Pay with Points program (the “Pay with Points Program”) using American Express Membership Rewards® (“MR Points”) when making an eligible purchase on the Canadian edition of AirCanada.com or the Air Canada mobile app, you agree to these Terms and Conditions for the Pay with Points Program for Air Canada (“Terms and Conditions”). Eligible purchases include only those flight purchases made directly on the Canadian edition of AirCanada.com or the Air Canada mobile app. RBC travel insurance purchases are not eligible purchases for the Pay with Points Program. You agree that Amex Bank of Canada and its affiliates (collectively, “Amex”) may collect personal information from Air Canada and its affiliates (collectively, “Air Canada”) that you have provided and that is necessary to facilitate your transaction using Pay With Points for Air Canada. Amex may share information with Air Canada regarding your MR Points account for the sole purpose of managing and facilitating the Pay with Points Program using MR Points. This information sharing allows us to determine your card’s eligibility, and Amex may provide Air Canada with information about your MR Points account, including your total MR Points balance. We may also collect information that you have provided to Air Canada so that we can perform our functions with respect to the Pay with Points Program, including processing payments made with MR Points. Neither Air Canada nor Amex will use information provided to it by the other party in support of the Pay with Points Program for any purpose other than as expressly set forth in these Terms and Conditions.
An "Eligible Card" is a valid, Membership Rewards enrolled (a) American Express Consumer Card, (b) Business Card from American Express, or (c) American Express Corporate Card (“Corporate Card”), which must be issued in Canada by Amex. You will only be able to use MR Points if you are the primary account holder of the Eligible Card. In addition, the Eligible Card account must also be in good standing and not in default at the time of redemption. To participate, you must have an Eligible Card and have at least 1 point in your MR Points account. A minimum of 10 points is required to redeem using Pay with Points.
To view your available MR Points balance, go to membershiprewards.ca. MR Point redemption rate will be calculated as determined by Amex and may vary for future purchases.
The total amount for the eligible flight purchase will be charged to your Eligible Card account whether you redeem MR Points towards some or all of the eligible flight purchase amount. When you choose to use MR Points for an eligible purchase, and select “I accept, purchase”, Amex will debit the number of MR Points of your corresponding selection from the Membership Rewards account linked to the Eligible Card. You may select up to the total amount of MR Points required to cover the total purchase amount or up to the full value of your MR Points balance, whichever is less, to the nearest $.01. Furthermore, a statement credit in an amount equal to the dollar amount of your selection will be issued to the Eligible Card account. Please allow up to 2-4 business days for the corresponding statement credit to be reflected on your Eligible Card account. If a statement credit is processed after your Eligible Card account’s billing period, it will appear on your next statement. Remember, the minimum amount due on your Eligible Card account must be paid by the due date.
If there is a processing error with your choice to use MR Points, your Eligible Card will be charged, and the corresponding statement credit will not be issued to the Eligible Card account for your transaction. In this event, if you would like to use MR Points for your transaction, please call the number on the back of your Eligible Card and Amex will be happy to assist you.
Certain transactions on AirCanada.com or the Air Canada app are not eligible for purchases using MR Points in the Pay with Points Program, and these may change at any time and without notice and at Amex’s discretion. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with your Eligible Card. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your transaction, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points account at the time your MR Points are ultimately redeemed. If you do not have enough MR Points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Eligible Card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using your MR Points at AirCanada.com or the Air Canada app.
Returns are subject to Air Canada’s refund policy. If Air Canada accepts a return for a transaction you made using only MR Points, Air Canada will refund the corresponding dollar amount of the purchase to the Amex card account used. If Air Canada accepts a refund for a transaction you made using MR Points and another payment method, Air Canada may, in its sole discretion, credit the return to the other payment method before crediting the corresponding dollar amount of MR Points. Please allow 2-4 business days for the refund to appear on your statement. In neither case will the points you redeemed for the purchase be returned to you. If you no longer have an Eligible Card account, Air Canada may process your refund by providing you with an Air Canada gift card.
If you use a Corporate Card to make a purchase (whether alone or in conjunction with MR Points), you agree that you are using the Corporate Card in accordance with your company’s policy. In the event that a refund results in a credit to your Corporate Card instead of a return of MR Points, it is your sole responsibility to resolve this with your company and you agree to hold Air Canada and Amex harmless in respect of any loss you or the company may incur.
Amex Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners.
If you have questions regarding your MR Points or your MR Points account, please contact Amex at the number listed on the back of your Eligible Card.
®, TM: Used by Amex Bank of Canada under license from American Express.
MORE OF WHAT YOU LOVE
Being a Cobalt Cardmember has its perks. Check out all the sweet stuff Cobalt has in store for you!
Whether you’re ordering in or going out, cabbing around the corner or flying out, the American Express Cobalt® Card rewards you for the life you already live. With perks, points and rewards tailored to the life you lead, check out how your Cobalt Card rewards you for living life your way.
Cobalt Perks
Cobalt Cardmembers receive regular perks such as bonus reward offers and access to great events!1
Although it is not mandatory, the easiest way to make sure you stay on top of upcoming offers is to provide us with your email - click here to opt-in to receive marketing notifications from American Express. Some offers are only available to Basic American Express Cobalt Cardmembers who receive the offer by email. You can also bookmark the below link to see what offers are currently available for Cobalt Cardmembers.
Amex Offers
Amex Offers rewards you at places you like to shop, dine, travel and more. We’re always working on new Amex Offers, so check-in regularly with the Amex App or your Online Services account to find what Offers may be available for you2.
American Express® Experiences
Get advance access to tickets to some of the hottest concerts, shows, virtual events and more through Front Of The Line® by American Express Experiences® and advance screenings to Blockbuster movies. Plus, other amazing experiences.3
Add an Additional Card4
Download the Amex® App
Use the American Express® App to manage your account anywhere. And, be the first to know about exclusive offers by checking back regularly.
Manage your Account
Register for Online Services for convenient, secure access to your account information.
Stay in the know
Email updates give you the latest news on great offers, exciting contests, concerts and events, partner savings, account updates and much more.
- Various offers will be available to Cobalt Cardmembers from time to time. These offers will be communicated by email and other select channels. Conditions apply and vary by offer.
- Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada or another participating American Express card issuer other than Amex Bank of Canada (as applicable) are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. You are eligible to register for the offer if you receive an email invitation from American Express that displays the last 5 digits of the eligible Canadian American Express Card or if you receive the offer in other select channels, which may include American Express Online Services, American Express App, and American Express website. Other conditions apply.
- Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
- Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
Cobalt can set you up for getaways near and far
Reward your adventurous side!
With insurance coverage and 2x the points on eligible travel purchases1, you can travel your way and get rewarded for it.
View the Certificate of Insurance.
Visit the Online Claims Portal to submit a claim for Buyer’s Assurance® Protection Plan2†, Car Rental Theft and Damage Insurance2† & Purchase Protection® Plan2†.
For all other claims, visit the Travel Insurance Claims Center.
† 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.
TRAVEL COVERAGE
Can provide coverage of up to a maximum of $5,000,000 for eligible emergency medical expenses incurred by an insured person under age 65 while travelling outside your Canadian province or territory of residence for the first 15 consecutive days of a covered trip.
You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your American Express Cobalt Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.
You can receive up to $500 in coverage against the loss of most personal items (excluding cash) if your accommodation is burglarized when you fully charge your accommodations to your American Express Cobalt Card.
You can be covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined when you fully charge your airline tickets to your American Express Cobalt Card.
You can be covered up to $250,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Cobalt Card.
You can receive up to $500 in coverage (aggregate maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses and sundry items purchased within 48 hours when delayed or denied boarding for 4 hours or more and no alternate transportation is made available when you fully charge your airline ticket to your American Express Cobalt Card.
You can receive up to $500 in coverage (aggregate maximum with Flight Delay Insurance), for reasonable and necessary emergency purchases for essential clothing and sundry items purchased within four days of arrival at your destination when your checked-in baggage on your outbound trip is delayed for 6 or more hours when you fully charge your airline ticket to your American Express Cobalt Card.
Book Travel Online
450,000 hotels, 1,431 car rental agencies, and flights with airlines worldwide means that you can get what you want with American Express Travel. Use your American Express Cobalt Card to book and discover the wonders the world has to offer. American Express Cobalt Cardmembers also earn one (1) additional Membership Rewards point for every $1 on all eligible Hotel bookings and Car rentals charged to your Card on American Express Travel5. That’s 3 points for every $1 in Card purchases!
The Hotel Collection6
For a stylish escape and signature rewards in locations near and far, book The Hotel Collection with American Express Travel. Stay at hotels that have their own persona.
Stay two or more consecutive nights at participating properties and receive the following benefits:
- Up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room†
- A one-category room upgrade at check-in, when available.††
- 12pm check-in, when available
- Late check-out. when available
† Varies by property and facilities available.
†† A one category room upgrade is based on availability and eligibility at time of check-in
Add an Additional Card7
Add an Additional Card7
Download the Amex® App
Use the American Express® App to manage your account anywhere. And, be the first to know about exclusive offers by checking back regularly.
Manage your Account
Register for Online Services for convenient, secure access to your account information.
Stay in the know
Email updates give you the latest news on great offers, exciting contests, concerts and events, partner savings, account updates and much more.
1. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $30,000 in net purchases posted to your account annually on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
3. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
4. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
5. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your American Express Cobalt Card for eligible hotel and car rental bookings (less credits and adjustments) made through the American Express Travel website where American Express Travel (not the hotel or car rental company) is the merchant. Hotel bookings under The Hotel Collection program are not eligible for this bonus Membership Rewards points offer. The number of bonus Membership Rewards points is calculated by multiplying each eligible transaction by one subject to rounding. Terms and Conditions of the Membership Rewards Program apply. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.
6. The Hotel Collection Terms and Conditions
Valid at participating hotels for new bookings of at least two consecutive nights made through Platinum Card Travel Service, Personalized Travel Service, Centurion Travel, americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Platinum, Canadian Gold Rewards, Canadian Cobalt, Canadian Business Platinum, Canadian Business Gold Rewards, or Canadian Centurion Cardmember’s name at time of checkout. The Platinum, Gold Rewards, Cobalt, Business Platinum, Business Gold Rewards, or Centurion Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the $100 USD credit as deduction from the final hotel bill when checking out of the hotel; $100 USD. Amenities vary by property and facilities available. To receive the credit, the eligible spend must be charged to your hotel room and the credit will be applied at check-out. Charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay. (2) A one category room upgrade is based on availability and eligibility at check-in to the hotel. 12pm check-in and late check-out are based on availability and eligibility at check-in to the hotel. Three-room limit per Cardmember per stay. Back-to-back stays booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Participating hotels and benefits subject to change.
Featured Hotels Terms and Conditions
All featured hotel prices, benefits, offers, and availability are accurate at the time first displayed on the American Express Travel website. While every effort is taken to ensure hotel inventory, benefits, and offers remain accurate, prices and availability may change at any time, and are dependent on third party inventory. Hotel pricing, benefits, offers, and availability are not guaranteed until the receipt of your booking confirmation email. Hotel bookings and associated benefits and offers are subject to availability and respective cancellation policies of the hotel. The respective hotel is responsible for the fulfilment of eligible benefits and offers. You can view the hotel’s cancellation policy when you review your itinerary prior to check-out. All bookings subject to the American Express Online Travel website terms and conditions. Rules, restrictions, and blackout dates may apply.
American Express Terms & Conditions
Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
TM,® Used by Amex Bank of Canada under license from American Express.
7. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
Safety & Security
Mobile Device Insurance1†
When you fully charge or finance the purchase price of an eligible mobile device to your Cobalt Card, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world.
Coverage begins on the date the first transaction related to the purchase of your mobile device is charged to your Card, or on the 91st day following the date of purchase of your mobile device (in order to avoid overlap with the 90-day coverage available to you under your Purchase Protection® Plan Certificate of Insurance), and continues for a maximum of 2 years from the date of purchase.
Buyer's Assurance® Protection Plan1†
Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your Cobalt Card.
Visit the Online Claims Portal to submit a claim.
Purchase Protection® Plan2†
You can be insured for eligible items charged to your Cobalt Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).
Visit the Online Claims Portal to submit a claim.
Fraud Protection Guarantee
Use your American Express Cobalt Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN3.
Emergency Card Replacement
Problem? Wherever you are, you can order a replacement Card in a few clicks, and track your Card delivery in Online Services or the Amex App.
Payment Flexibility with Plan It®
Enjoy added flexibility and control over your purchases when you use Plan It, the American Express® Installment Program. A feature built into your card, Plan It allows you to split purchases into equal monthly installments for a fixed fee and no additional interest4.
As part of our commitment to sustainability, your Card has been
created with 90% recycled plastic.
Customer Care
Your life doesn't keep regular office hours, so neither do we. Our dedicated customer service team always has someone local available to talk about whatever you need, wherever you are in the world.
Account Inquiries, Lost or Stolen Cards, or General Information:
In Canada/U.S
1-800-668-2639
Montreal
(514) 329-4444
International - please call collect
(905) 474-9380
Account Management
There is so much more to the Amex App and Online Services than paying your bill and seeing your transactions. Discover what you've been missing with the Amex App.
Add an Additional Card5
Download the Amex® App
Use the American Express® App to manage your account anywhere. And, be the first to know about exclusive offers by checking back regularly.
Manage your Account
Register for Online Services for convenient, secure access to your account information.
Stay in the know
Email updates give you the latest news on great offers, exciting contests, concerts and events, partner savings, account updates and much more.
1. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca
3. Use the American Express Cobalt Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.
4. When you create an installment plan, you will be charged a monthly installment fee. The monthly installment fee percentage will be disclosed to you during plan creation. This is not a promotional or special rate offer. The fee charged is comparable to the interest you would have paid if you carried this balance on your account, without being in an installment plan. In order to create a new installment plan, your account must be in good standing and you must have a minimum $100 purchase or statement balance on your eligible card. Please see the Plan It (American Express Installment Program) section in your Cardmember Agreement or the program Terms and Conditions for more details. Plan It is currently not available in Quebec, Nova Scotia, PEI or Nunavut.
5. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
† 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.
®, TM: Used by Amex Bank of Canada under license from American Express