American Express Cobalt® Card

Earn up to 15,000
Membership Rewards Points¹^*

by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cobalt Cardmember. This could add up to 15,000 points in a year.¹^*

*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply

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Card Fee:

$15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents

Card Type:

Credit Card

Annual Interest Rate:

21.99% on purchases and 21.99% on funds advances*

Additional Cards:

No annual fee⁴

POINTS

On eats & drinks

Such as eligible restaurants or food delivery in Canada³

POINTS

On streaming subscriptions

For eligible streaming subscriptions in Canada³

POINTS

On gas, transit & ride share

For eligible gas, transit & ride share purchases in Canada³

POINTS

On everything else

For online shopping, and more³

ADDITIONAL POINT

On Amex Travel Online

On eligible hotel or car rental bookings⁴

Front of The Line®

Enjoy access to Front Of The Line® presale and reserved tickets^TM for concerts, theatre productions, and other special events with American Express Experiences.¹⁸

Up to $60 in statement credits with Instacart

Enjoy groceries and more delivered with Instacart and earn up to $60 in statement credits within a 12 month period until December 31, 2027.¹³

The Hotel Collection

Enjoy special benefits when you stay 2 or more consecutive nights at participating properties with The Hotel Collection from American Express Travel.¹⁴

Travel Coverage

The travel insurance coverages on your Card can help keep you protected while abroad.

Purchase Coverage

You could be covered against theft or damage on eligible purchases.

World-class Services

Customer service that always has your back – anytime, anywhere.

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.¹¹
1,000 points = $10 for all eligible purchases

Travel Coverage

Flight Delay Insurance¹⁵^†

Coverage for when your flight is delayed or you are denied boarding for up to 4 hours or more and no alternate transportation is made available. When you charge your airline tickets to your Card, you could receive up to $500 (combined maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses, and essential items purchased within the period of the flight delay or denied boarding.

Car Rental Theft and Damage Insurance¹⁷^†

You could be covered in the event of the theft, loss, and/or damage of your rental auto with a Manufacturer’s Suggested Retail Price of up to $85,000 for rentals of 48 days or less. To use this protection, be sure to charge the full cost of your rental to your Card and decline the Collision Damage Waiver, Loss Damage Waiver, or similar option offered by the rental agency.

All Purchase Coverage

Mobile Device Insurance¹⁵^†

You could be covered for up to $1,000 per insured person in the event of the theft, loss, or accidental damage of your mobile device anywhere in the world. Simply charge or finance the eligible device to your Card. Coverage begins on the date of the first transaction related to the purchase, or on the 91st day following the purchase (to avoid overlap with the 90-day coverage available to you under your Purchase Protection^® Plan) and lasts for a maximum of 2 years from the date of purchase.

†: 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. If you are a Quebec resident, please read the Insurance Summary and Fact Sheet.

All Services

Emergency Card Replacement

If your Card or Additional Card gets lost or stolen, no worries. Simply call the number on the back of your Card and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible. Call 1-800-869-3016. Outside of Canada (please call collect) 905-474-0870. For Corporate Cardmembers, please call 1-800-716-6661, or for outside of Canada (please call collect) 905-474-9329.

Plan It® - The American Express® Installment Program

Find control and flexibility with Plan It. Split large purchases into monthly installments. Terms and conditions apply*

No additional credit checks or applications
No additional interest and a fixed monthly fee**
Earn rewards as usual

Learn more at amex.ca/installments

*Your ability to create each new installment plan will depend on an assessment of eligibility made at the time you seek to create 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. Any transactions related to funds advances and balances at special rates of interest will not be eligible unless we make a special offer to you. We may also limit or otherwise restrict your ability to participate in the installment program based on your account's available credit or for any other reason. 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.
**When you create an installment plan, you will be charged a monthly installment fee. The monthly 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. Please see the Plan It (American Express Installment Program) section in your Cardmember Agreement or the program Terms and Conditions for more details.

All Exclusive Offers

Amex Experiences^TM

Eligibility

To save time, make sure you can say yes to all of the following before checking your eligibility for the American Express Cobalt® Card:

You are a Canadian resident and have a Canadian credit file

You are of the age of majority in your province or territory where you live

Important Information

*Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have 2 separate Missed Payments in a 12-month period, the applicable rates for your account will be 25.99%. If you have 3 or more separate Missed Payments, the applicable rates will be 29.99%. 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.

Frequently Asked Questions

How do I apply for the American Express Cobalt® Card?

What is the monthly fee for the American Express Cobalt® Card?

Can I use the American Express Cobalt® Card internationally?

How do I manage my American Express Cobalt® Card account online?

How can I redeem Membership Rewards® points earned with the Cobalt Card?

With your American Express Cobalt® Card, you can redeem your points for statement credits¹¹ towards eligible Card purchases such as:

Streaming subscriptions
Movie tickets
Eats & drinks
Retail
And more

You can also transfer Membership Rewards points to several frequent flyer and other loyalty programs.³⁰ Check out all of the programs here.

Other reward options include:

Travel on American Express Travel Online⁸
Gift cards⁵ and merchandise⁶ through membershiprewards.ca
Purchases at Amazon.ca⁷

Can I use Membership Rewards® points to book travel?

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American Express Cobalt® Card

Earn up to 15,000Membership Rewards Points1*

Get an instant decision with no impact to your credit score

Card Fee:

Card Type:

Annual Interest Rate:

Additional Cards:

Travel Coverage

All Purchase Coverage

All Services

All Exclusive Offers

Amex ExperiencesTM

Eligibility

Important Information

Apply today with confidence

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Frequently Asked Questions

How do I apply for the American Express Cobalt® Card?

What is the monthly fee for the American Express Cobalt® Card?

Can I use the American Express Cobalt® Card internationally?

How do I manage my American Express Cobalt® Card account online?

How can I redeem Membership Rewards® points earned with the Cobalt Card?

Can I use Membership Rewards® points to book travel?

Earn up to 15,000
Membership Rewards Points¹^*

Amex Experiences^TM