{"id":749689,"date":"2018-10-16T02:00:48","date_gmt":"2018-10-16T06:00:48","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=749689"},"modified":"2026-04-29T19:54:17","modified_gmt":"2026-04-29T23:54:17","slug":"american-express-cobalt-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card","title":{"rendered":"American Express Cobalt Card review"},"content":{"rendered":"<h3>Amex Cobalt perks<\/h3><ul class=\"list-4\"><li><h4>Earn Amex Membership Rewards<\/h4>Earn 5x the points on eligible groceries, dining, drinks and food delivery in Canada (spend cap applies), 3x the points on eligible streaming subscriptions, 2x points on eligible ride shares, transit &amp; gas, 1x point for every other dollar spent and 1 extra point per dollar spent on eligible hotel and car rental bookings via the American Express Travel website (conditions apply).<button class=\"btn-link text-no-decoration\" style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\" rel=\"popover\" data-content=\"Cardmembers can earn 5x the points on eligible food &amp; drink purchases up to $2,500 monthly.\" data-placement=\"top\" aria-label=\"More information\" aria-describedby=\"fin-tooltip-1\">\n    <svg class=\"luna-icon luna-icon--xsmall\" aria-hidden=\"true\">\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-1\">Cardmembers can earn 5x the points on eligible food &amp; drink purchases up to $2,500 monthly.<\/span>\n<\/button><div class=\"has-padding-xsmall\"><\/div><\/li><li><h4>Welcome bonus<\/h4>Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That\u2019s up to $150 towards a weekend getaway or concert tickets.<div class=\"has-padding-xsmall\"><\/div><\/li><li><h4>Exclusive American Express Cobalt Card perks<\/h4><p>Access Front Of The Line Amex presale &amp; reserved Tickets to concerts and theatre performances, and get special offers and access to events with Amex Experiences.<\/p><div class=\"has-padding-xsmall\"><\/div><\/li><li><h4>The Hotel Collection benefits<\/h4><p>Stay two or more consecutive nights at participating properties and receive up to $100 USD in a hotel credit, get a one-category room upgrade at check-in (when available) and enjoy 12pm check-in and late check-outs (when available).<\/p><\/li><li><h4>Travel insurance coverage<\/h4><p>The AMEX Cobalt Card comes with a host of travel insurances. Receive up to $5,000,000 and Emergency Medical Insurance alongside Travel Accident Insurance, Lost or Stolen Baggage Insurance, Flight and Baggage Delay Insurance, Car Rental Theft and Damage coverage and Hotel Burglary Insurance.<\/p><\/li><li><h4>Purchase benefits<\/h4><p>Buyer\u2019s assurance doubles the manufacturers warranty (up to one year) when you use your American Express credit card to purchase the item. Your eligible items are also covered against theft and accidental physical damage with Purchase Protection.<\/p><\/li><li><h4>Apply with confidence<\/h4><p>Get an instant decision with no impact to your credit score.<\/p><\/li><\/ul><h3>What to watch out for with the Amex Cobalt<\/h3><ul class=\"list-3\"><li><h4>The monthly fee<\/h4><p>The card\u2019s monthly fee is $15.99. Over the course of a year, this will amount to a total of $191.88 annually. However, if you use the rewards and benefits, the monthly fee may be worth the expense.<\/p><\/li><li><h4>The cash advance rate<\/h4><p>If you decide to withdraw cash using your Cobalt Card, you will face a cash advance rate of 21.99%. Unlike the purchase interest rate (which comes with an interest-free grace period), the cash advance rate is charged from the moment you withdraw the cash.<\/p><\/li><li><h4>Not as widely accepted overseas<\/h4><p>Compared to Visa and Mastercard, American Express is less widely accepted in locations across Canada, although many major retailers do accept Amex cards. This might provide you with less opportunity to use the card\u2014and reap rewards\u2014in Canada and globally.<\/p><\/li><li><h4>Other fees<\/h4><p>Alongside paying the interest rate of  or 21.99%, additional fees and charges may occur, such as a $29 fee for going over your credit limit.<\/p><\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                    <img decoding=\"async\" alt=\"Cameron Millband's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                <\/figure>\n\n                                    <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"14\" viewbox=\"0 0 1320.32 251.3\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <path d=\"M461.05 18.35h113.51c5.18 0 9.12 4.66 8.25 9.77l-5.53 32.68a8.37 8.37 0 0 1-8.25 6.98H505.5c-4.03 0-7.49 2.87-8.23 6.83l-4.6 24.55c-.97 5.15 2.99 9.91 8.23 9.91h57.05c5.2 0 9.14 4.68 8.25 9.8l-5.14 29.64a8.38 8.38 0 0 1-8.25 6.94h-63.04c-4.05 0-7.53 2.91-8.24 6.9l-11.77 65.83a8.375 8.375 0 0 1-8.24 6.9h-35.89c-5.21 0-9.15-4.7-8.24-9.83l35.43-199.98c.71-4 4.18-6.91 8.24-6.91ZM606.9 77.49h30.37c6.25 0 10.98 5.64 9.89 11.8l-24.31 137.49c-.85 4.8-5.02 8.3-9.89 8.3h-30.37c-6.25 0-10.98-5.64-9.89-11.8l24.31-137.49c.85-4.8 5.02-8.3 9.89-8.3m3.71-23.44c-4.75-4.85-7.12-10.68-7.12-17.49 0-7.43 2.83-13.93 8.51-19.5 5.67-5.57 12.23-8.36 19.66-8.36 7.01 0 12.9 2.48 17.65 7.43s7.12 10.84 7.12 17.65-2.79 13.11-8.36 18.89q-8.355 8.67-19.5 8.67c-11.145 0-13.21-2.42-17.96-7.28ZM679.33 77.49h30.96c3.01 0 5.61 2.09 6.26 5.03 1.01 4.58 6.41 6.52 10.16 3.7 11.56-8.71 24.22-13.06 37.96-13.06 16.51 0 28.89 4.13 37.15 12.38 8.25 8.26 12.38 20.95 12.38 38.08 0 7.23-.83 15.79-2.48 25.7l-14.23 80.47a6.405 6.405 0 0 1-6.31 5.29h-37.77c-3.98 0-7-3.59-6.31-7.52l13.23-75.46c.62-4.13.93-7.74.93-10.84 0-13.82-6.5-20.74-19.5-20.74-16.51 0-26.52 10.42-30.03 31.27l-13.92 78a6.404 6.404 0 0 1-6.31 5.28h-37.77c-3.99 0-7.01-3.6-6.31-7.53l25.6-144.77c.54-3.06 3.2-5.29 6.31-5.29ZM859.4 230.89c-10.11-5.67-18.16-13.78-24.15-24.3-5.99-10.53-8.98-22.6-8.98-36.22 0-16.72 4.07-32.56 12.23-47.52 8.15-14.96 19.24-26.98 33.28-36.07q21.045-13.62 46.44-13.62c9.91 0 18.42 1.96 25.54 5.88 2.38 1.31 4.51 2.66 6.39 4.03 4.03 2.95 9.74.79 10.63-4.13l10-55.09c.58-3.18 3.35-5.5 6.58-5.5h37.21c4.16 0 7.31 3.76 6.59 7.86l-36.02 203.34a6.694 6.694 0 0 1-6.59 5.52h-30.71c-3.05 0-5.71-2.06-6.47-5.01-1.21-4.66-6.76-6.5-10.59-3.58-11.34 8.62-24.1 12.93-38.27 12.93-11.97 0-23.02-2.84-33.13-8.51Zm68.58-43.8c6.29-4.33 11.19-10.01 14.71-17.03 3.51-7.01 5.26-14.24 5.26-21.67 0-8.87-2.63-15.99-7.9-21.36-5.26-5.36-12.03-8.05-20.28-8.05-7.02 0-13.78 2.01-20.28 6.04-6.5 4.02-11.76 9.44-15.79 16.25-4.02 6.81-6.04 14.35-6.04 22.6 0 8.88 2.73 16.05 8.2 21.52s12.43 8.21 20.9 8.21c7.84 0 14.91-2.17 21.21-6.5ZM1059.41 171.61v1.24c.2 6.81 2.99 12.75 8.36 17.8q8.055 7.59 21.36 7.59c8.25 0 15.12-1.86 20.59-5.57 4.25-2.89 7.6-5.9 10.05-9.04 1.23-1.58 3.25-2.3 5.17-1.72l31.3 9.54c2.6.79 3.79 3.83 2.38 6.16-7.62 12.63-17.06 22.54-28.31 29.74-12.59 8.05-28.17 12.07-46.75 12.07-12.8 0-24.51-2.74-35.14-8.21s-19.09-13.26-25.39-23.37-9.44-21.98-9.44-35.6c0-16.1 4.02-31.78 12.07-47.06 8.05-15.27 19.35-27.76 33.9-37.46q21.825-14.55 49.38-14.55c20.02 0 35.65 5.88 46.9 17.65 11.25 11.76 16.87 27.24 16.87 46.44 0 7.02-.52 13.21-1.55 18.58l-1.67 9.44a7.69 7.69 0 0 1-7.57 6.35h-102.53Zm65.17-50.78c-4.02-5.36-10.89-8.05-20.59-8.05s-17.86 2.58-24.46 7.74c-4.26 3.33-7.74 7.17-10.46 11.52-2.08 3.34.27 7.68 4.21 7.68h51.79c3.14 0 5.56-2.85 4.99-5.94-1.49-8.01-5.49-12.95-5.49-12.95ZM1207.33 77.49h30.95a6.56 6.56 0 0 1 6.34 4.86c1.26 4.69 6.98 6.4 10.66 3.22 2.66-2.31 5.59-4.43 8.78-6.38 6.6-4.02 14.24-6.04 22.91-6.04 7.11 0 13.31 1.22 18.62 3.67 3.37 1.55 4.65 5.7 2.91 8.98l-17.78 33.48c-1.56 2.95-5.08 4.23-8.19 3.02-3.06-1.19-6.64-1.78-10.73-1.78-8.05 0-14.97 2.58-20.74 7.74-5.78 5.16-9.6 13-11.45 23.53l-13.9 77.87a6.56 6.56 0 0 1-6.46 5.41h-37.45c-4.08 0-7.17-3.69-6.46-7.71l25.54-144.46a6.555 6.555 0 0 1 6.46-5.42ZM264.8 237.72c-24.09 0-47.53-7.89-66.68-22.35-19.15 14.45-42.6 22.35-66.68 22.35-61.07 0-110.76-49.68-110.76-110.75V16.21H264.8c61.07 0 110.75 49.68 110.75 110.75s-49.68 110.75-110.76 110.75Z\" fill=\"#fff\"><\/path>\n      <path d=\"M264.8 23.64c57.06 0 103.32 46.26 103.32 103.32S321.86 230.28 264.8 230.28c-25.42 0-48.69-9.2-66.68-24.43-18 15.23-41.26 24.43-66.68 24.43-57.06 0-103.32-46.26-103.32-103.32V23.64h236.69m-.01-14.87H13.24v118.19c0 31.57 12.29 61.25 34.62 83.57 22.32 22.32 52 34.62 83.57 34.62 23.86 0 47.12-7.26 66.68-20.63 19.56 13.37 42.83 20.63 66.68 20.63 31.57 0 61.25-12.29 83.57-34.62 22.32-22.32 34.62-52 34.62-83.57s-12.29-61.25-34.62-83.57c-22.32-22.32-52-34.62-83.57-34.62Z\" fill=\"#232021\"><\/path>\n      <path d=\"M269.72 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n      <path d=\"M134.42 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <circle cx=\"12\" cy=\"12\" r=\"12\" fill=\"#1D53FF\"><\/circle>\n      <g transform=\"translate(3 6.24) scale(0.0573)\">\n        <path d=\"M212.32 190.62a90.38 90.38 0 0 1-54.42-18.24c-15.63 11.79-34.77 18.24-54.42 18.24-49.84 0-90.39-40.55-90.39-90.39V9.83h199.24c49.84 0 90.39 40.55 90.39 90.39s-40.55 90.39-90.39 90.39Z\" fill=\"#fff\"><\/path>\n        <path d=\"M212.32 15.9c46.57 0 84.33 37.75 84.33 84.33 0 46.57-37.75 84.33-84.33 84.33-20.75 0-39.74-7.51-54.42-19.94-14.69 12.43-33.68 19.94-54.42 19.94-46.57 0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">The Cobalt may be a great choice for earning points, but first know how you plan to use it.<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"After my wife and I decided to take more vacations, I started comparing travel rewards credit cards to find the best option. I had been using my RBC Avion for the last 10 years and wanted to see if there was a better card to use as my daily driver to accumulate more points for flights.<\/p><p>The Amex Cobalt stood out due to its 5x points on dining and groceries. Additionally, the ability to transfer points to Aeroplan for Air Canada flights was a significant perk. However, a downside is the low sign-up bonus. With other cards offering substantial points bonuses, you really need to know how you\u2019ll use the card before applying.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Cameron Millband\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">Performance Director<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>American Express Cobalt Card interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>21.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>21.99%<\/td><\/tr><tr><td>Penalty rate (for 2+ missed payments)<\/td><td>25.99% - 29.99%<\/td><\/tr><\/tbody><\/table><h3>Consider other cards if\u2026<\/h3><ul><li><h4>You want cash back.<\/h4><p>If you\u2019re looking to reap the benefits of cash back, you may want to consider a <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\">cash back rewards card<\/a>. These typically offer anywhere from 1%\u20135% cash back on purchases. If you spend frequently on gas, groceries and dining out, a cash back rewards card may be more beneficial for you than a travel rewards card.<\/p><\/li><li><h4>You don\u2019t want to pay a monthly fee.<\/h4><p>The American Express Cobalt Card comes with a $15.99 monthly fee. Over the course of a year, this will amount to a total of $191.88. If paying a fee this high is not in your best interest, consider other types of travel or rewards cards with lower annual fees or even <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/no-annual-fee-credit-cards\">no annual fees<\/a>.<\/p><\/li><li><h4>You don\u2019t spend a lot of money on dining out, groceries or transportation.<\/h4><p>If your purchases don\u2019t match up with this card\u2019s perks, perhaps you\u2019d be better suited to a card that offers more points per dollar on the types of purchases you make. Or, you may find that a completely different <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\">rewards card<\/a> is more suitable for your spending habits.<\/p><\/li><\/ul><h3>What should I know before I apply for the Amex Cobalt Card?<\/h3><p>To apply for the American Express Cobalt Card, you must:<\/p><ul><li>Be at least 18 years old or the age of majority in your province or territory<\/li><li>Be a resident of Canada<\/li><li>Have a credit history in Canada (a 700+ credit score is recommended)<\/li><\/ul><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h4>What credit score do I need?<\/h4><p>You\u2019ll have a better chance of approval if you apply for the American Express Cobalt credit card with a good to excellent credit score of 700 or higher. In addition to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/minimum-credit-score-credit-card-approval\">having a good credit score<\/a>, a relatively high annual income or combined household income may be beneficial for approval.<\/p><p>Here are a few other factors that might affect your odds of approval:<\/p><ul><li><b>Hard inquiries on your credit report. <\/b>If you have several hard pulls on your credit history, it could indicate to card providers that you\u2019re desperate for credit or have trouble managing your debt. As a result, providers may be less likely to approve your application.<\/li><li><strong>Factors that tie into your credit score.<\/strong> Your credit utilization ratio can play a major factor in your approval. Customers who have low balances relative to their credit limits are usually preferable to providers.<\/li><\/ul><\/div><\/article><h3>What do customers say about the American Express Cobalt Card?<\/h3><p>Customers that have the American Express Cobalt Card generally say positive things about it, provided you use it regularly and the accelerated rewards categories are relevant for your spending habits.<\/p><p>This card appears to be tailored toward families and younger cardholders, since it offers 5 points on groceries, restaurants, bar and cafe purchases and charges an ongoing fee\u2014similar to a monthly subscription fee that Netflix would charge.<\/p><h3>How to apply for the American Express Cobalt Card<\/h3><ol><li><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Head%2Bto%2Bthe%2BAmerican%2BExpress%2Bwebsite%22%2C%22site%22%3A%22CACCF%22%2C%22offer_id%22%3A%229289%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22provider_id%22%3A%22795613d6-853c-4c46-b357-d7499b9dafa4%22%2C%22provider_name%22%3A%22American%2BExpress%22%2C%22post_id%22%3A%22749689%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Famerican-express-cobalt-card%22%2C%22post_country%22%3A%22ca%22%7D\">Head to the American Express website<\/a>, navigate to the American Express Cobalt Card page and select <b>Apply Now<\/b>.<\/li><li>Complete the application with information like your name, home address, income source and total annual income.<\/li><li>Review and submit your application.<\/li><\/ol><p style=\"text-align: center;\"><section class=\"hero-rates__cta\">\r\n        <div class=\"applylinks CACCF has-margin-top-small\">\r\n          <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22offer_id%22%3A%229289%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_BUTTON_DYNAMIC_CTA%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22749689%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Famerican-express-cobalt-card%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\">\r\n            Go to site\r\n          <\/a>\r\n\r\n        <\/div>\r\n      <\/section><\/p><div class=\"content-area-light-blue has-padding-small has-padding-top-large\"><h4>How long will it take to get my American Express Cobalt Card?<\/h4><p>Pre-approval for an American Express credit card is automated on the website, which means you can get a decision in just 60 seconds. If there are issues with your application, it may take a few days or even weeks to hear back. Upon approval, you\u2019ll typically receive your card in up to 10 business days.<\/p><\/div><h3>I got the Amex Cobalt card. Now what?<\/h3><ul><li><b>Make your repayments.<\/b><br>Register for an account on the American Express website to pay your balance online and enrol in autopay. The American Express Cobalt Card is a regular credit card (not a charge card), so you don\u2019t have to pay off the entire balance each month if you don\u2019t want to. Keep in mind you will pay interest if you don\u2019t fully pay off the balance every month.<div class=\"has-padding-xsmall\"><\/div><\/li><li><b>Avoid fees.<\/b><br>Late and returned payments will incur fees, so be sure to pay on time. If you\u2019re enrolled in autopay, be sure to have enough funds in your account to pay off your balance each billing cycle.<div class=\"has-padding-xsmall\"><\/div><\/li><li><b>Get help.<\/b><br>If you\u2019re not able to find what you need on the American Express Canada website, contact the company by phone or online chat to speak with a customer service representative.<\/li><\/ul><h3>Compare other Amex credit cards<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  border-bottom-right-radius: 0;\n}\n\n.i-3 {\n  border-left: 0;\n  border-top-left-radius: 0;\n  border-bottom-left-radius: 0;\n}\n\n #product-comparison-box {\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        margin-bottom: 16px;\n        width: 99%;\n  }\n\n@media (max-width: 800px) {\n   #product-comparison-box {\n        flex-direction: column;\n        align-items: center;\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        width: 85% !important;\n        padding: 0 0 10px 0 !important;\n        \n  }\n\n  .luna-card--shadow {\n      margin-right: 0;\n  }\n \n\n  .comparisonPick-item {\n    width: 100% !important;\n    border:none;\n    box-shadow:none;\n    border-bottom-left-radius: 1rem;\n    border-bottom-right-radius: 1rem;\n\n  }\n  .container-reviewComparison {\n    padding: 0 !important;\n    }\n\n  .i-1{\n    box-shadow: 4px 6px 0 0 #232320;\n    border-bottom: 1px solid #232320;\n  }\n\n  \/* Reset desktop connected-card styles *\/\n  \/* .i-1 {\n    background-color: #fff;\n    margin-left: 0 !important;\n  } *\/\n\n  .i-2 {\n    border-right: revert;\n    border-top-right-radius: revert;\n    border-bottom: 1px solid #232320;\n  }\n\n  .i-3 {\n    border-left: revert;\n    border-top-left-radius: revert;\n    border-bottom-left-radius: revert;\n  }\n}\n\n\np {\n white-space:normal\n}\n\n.pick {\n    margin-top: 0.3em;\n    margin-bottom: 0.3em;\n}\n\n.luna-card__topPick {\npadding-top: 0.5em !important;\npadding-bottom: 0.5em !important;\npadding-left: 0.5em !important;\npadding-right: 0.5em !important;\n  overflow: visible !important;\n\n}\n\n.container-reviewComparison {\n  width: 100%;\n  height: auto;\n  white-space: nowrap;\n\n}\n\n.flex-object {\n  display: flex;\n  flex-wrap: nowrap; \n  overflow: auto;\n}\n\n.flex-item-1 {\n  flex: 0 0 auto;\n}\n@media (min-width: 801px) {\n  .comparisonPick-item {\n    \/\/margin: 0px !important; \n    width: calc(96% \/ 3) !important;\n    overflow: visible !important;\n  } \n\n  .i-1 {\n  box-shadow: 4px 6px 0 0 #232320 !important;\n  border: 2px solid #232320 !important;\n  border-left: 0 !important;\n  border-top: 0 !important;\n}\n  .luna-card{\n    margin-bottom: 0;}\n  .luna-card--shadow {\n    border: none;\n    box-shadow:none;\n\n}\n\n}\n\n\n\/* @media (max-width:801px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 70% !important;\n}\n} *\/\n\n\/* @media (max-width:481px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 85% !important;\n} *\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n            \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n            \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n            \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n    \n\n<div class=\"outer-container\">\n    <div id=\"product-comparison-box\" class=\"container-reviewComparison flex-object\">\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-1\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/66350653d6958.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66350653d6958.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info bd82ba92-36f3-45a7-9c9d-fa0ea5815e34\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"bd82ba92-36f3-45a7-9c9d-fa0ea5815e34\" data-product-name=\"BMO CashBack Mastercard\" data-niche=\"Credit Cards\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to BMO\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/bmo-cashback-mastercard-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bd82ba92-36f3-45a7-9c9d-fa0ea5815e34%22%2C%22product_name%22%3A%22BMO%2BCashBack%2BMastercard%22%2C%22offer_id%22%3A%2221489%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22749689%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Famerican-express-cobalt-card%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                5% cashback\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 3% cashback\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $0\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        660\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/611af3f653608.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 85331120-bbda-48bc-b1ad-d0e17b8e76a5\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"85331120-bbda-48bc-b1ad-d0e17b8e76a5\" data-product-name=\"American Express Cobalt Card\" data-niche=\"Credit Cards\" data-provider-name=\"American Express\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to American Express\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/american-express-cobalt-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2285331120-bbda-48bc-b1ad-d0e17b8e76a5%22%2C%22product_name%22%3A%22American%2BExpress%2BCobalt%2BCard%22%2C%22offer_id%22%3A%229289%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22749689%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Famerican-express-cobalt-card%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                15,000 points\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 5x points per $1 spent\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $191.88\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        700\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6179baad55db7.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"5ae93a81-6fcb-4c55-b1d4-a3b2064bc52c\" data-product-name=\"RBC Cash Back Mastercard\" data-niche=\"Credit Cards\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to RBC\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/rbc-cash-back-mastercard-ca-credit-cards-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225ae93a81-6fcb-4c55-b1d4-a3b2064bc52c%22%2C%22product_name%22%3A%22RBC%2BCash%2BBack%2BMastercard%22%2C%22offer_id%22%3A%2221769%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CACCF%22%2C%22post_id%22%3A%22749689%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Famerican-express-cobalt-card%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Welcome Offer<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                Up to 7% cash back\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Rewards<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        Up to 2% cash back\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Annual Fee<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                $0\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Credit Score<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        650\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><h3>Bottom line on the Amex Cobalt<\/h3><p>The American Express Cobalt Card is a worthy competitor if you spend a lot of money on grocery or transportation purchases or at restaurants or bars. Plus, you can earn Membership Rewards points no matter where in the world you use the card. But if you\u2019re still not sold, you may wish to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\">explore other credit cards<\/a>.<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How do Membership Rewards points work with the Amex Cobalt Card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>When you get a American Express Cobalt Card, you're automatically enrolled in the Membership Rewards Program for free. As a member, your points give you access to a variety of travel and entertainment experiences, merchandise, gift cards and other rewards.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How do I check my Amex Cobalt Membership Rewards points balance?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>To see your points balance, log in to the Amex app. Navigate to <strong>My Points<\/strong> to view your points transactions details.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">What interest rate applies to unpaid balances on the American Express Cobalt Card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Any purchases charged to the card will be subject to an interest rate of 21.99%, which goes up to 25.99% - 29.99% if you miss two or more payments. Additional fees and charges may occur, such as a $29 fee if you go over your credit limit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1118416935\" data-toggle=\"collapse\" data-target=\"#sources_1118416935\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1118416935\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.americanexpress.com\/en-ca\/credit-cards\/cobalt-card\" target=\"_blank\">American Express Canada: American Express Cobalt Card<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.americanexpress.com\/en-ca\/benefits\/rewards\/membership-rewards\/\" target=\"_blank\">American Express Canada: Membership Rewards Program<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.americanexpress.com\/content\/dam\/amex\/ca\/en\/legal\/cardmember-agreement\/pdf\/190172-Cobalt-CMAs-16468-Eng.pdf\" target=\"_blank\">American Express Canada: Amex Bank of Canada\u2014Cardmember Agreement and Other Important Information: American Express Cobalt Card<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Score accelerated rewards points when you spend on eligible grocery, restaurant, delivery and travel purchases.<\/p>\n","protected":false},"author":452,"featured_media":1044796,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"American Express Cobalt","_yoast_wpseo_title":"American Express Cobalt Card Review [date format=Y]: Is It Worth It?","_yoast_wpseo_metadesc":"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"American Express Cobalt Card Review: Is It Worth It?","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"685","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-04-29 23:48:14\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We verified and updated our information on the Amex Cobalt Card, including pros, cons, rates, fees and features. We also updated our sources.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[5605],"tags":[1889],"asset_tag":[],"class_list":["post-749689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-american-express","tag-credit-card"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>American Express Cobalt Card Review 2026: Is It Worth It?<\/title>\n<meta name=\"description\" content=\"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Express Cobalt Card Review: Is It Worth It?\" \/>\n<meta property=\"og:description\" content=\"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-10-16T06:00:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Balmforth\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Balmforth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card\"},\"author\":{\"name\":\"Emma Balmforth\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/bfddbe38fd9e7ed027d3bd4980d7384f\"},\"headline\":\"American Express Cobalt Card review\",\"datePublished\":\"2018-10-16T06:00:48+00:00\",\"dateModified\":\"2026-04-29T19:48:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card\"},\"wordCount\":2474,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2018\\\/10\\\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg\",\"articleSection\":[\"American Express Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/784654a651a2874261e8007614422c55\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"American Express Canada: American Express Cobalt Card\",\"url\":\"https:\\\/\\\/www.americanexpress.com\\\/en-ca\\\/credit-cards\\\/cobalt-card\"},{\"@type\":\"CreativeWork\",\"name\":\"American Express Canada: Membership Rewards Program\",\"url\":\"https:\\\/\\\/www.americanexpress.com\\\/en-ca\\\/benefits\\\/rewards\\\/membership-rewards\\\/\"},{\"@type\":\"CreativeWork\",\"name\":\"American Express Canada: Amex Bank of Canada\u2014Cardmember Agreement and Other Important Information: American Express Cobalt Card\",\"url\":\"https:\\\/\\\/www.americanexpress.com\\\/content\\\/dam\\\/amex\\\/ca\\\/en\\\/legal\\\/cardmember-agreement\\\/pdf\\\/190172-Cobalt-CMAs-16468-Eng.pdf\"}],\"contributor\":[{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/c3e55e0d6d07e36c1a099a1f91cb77f4\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card\",\"name\":\"American Express Cobalt Card Review 2026: Is It Worth It?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2018\\\/10\\\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg\",\"datePublished\":\"2018-10-16T06:00:48+00:00\",\"dateModified\":\"2026-04-29T19:48:14+00:00\",\"description\":\"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#primaryimage\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2018\\\/10\\\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2018\\\/10\\\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\\\/american-express-cobalt-card#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit Cards\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"American Express Credit Cards\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/american-express\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"American Express Cobalt Card review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/bfddbe38fd9e7ed027d3bd4980d7384f\",\"name\":\"Emma Balmforth\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"caption\":\"Emma Balmforth\"},\"description\":\"Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/emma-balmforth-18947598\"],\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/emmabalmforth\",\"jobTitle\":\"Producer\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/784654a651a2874261e8007614422c55\",\"name\":\"Stacie Hurst\",\"description\":\"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.\",\"jobTitle\":\"Editor\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/staciehurst\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/stacie-hurst\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Stock Trading\"},{\"@type\":\"Thing\",\"name\":\"Cryptocurrency\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Credit Cards\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/StacieHurstF1_Finder_600x600.pngcfe62ed08078867c09b416e0c53c05a0\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/StacieHurstF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/StacieHurstF1_Finder_600x600.png\",\"caption\":\"Stacie Hurst\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do Membership Rewards points work with the Amex Cobalt Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you get a American Express Cobalt Card, you're automatically enrolled in the Membership Rewards Program for free. As a member, your points give you access to a variety of travel and entertainment experiences, merchandise, gift cards and other rewards.\"}},{\"@type\":\"Question\",\"name\":\"How do I check my Amex Cobalt Membership Rewards points balance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To see your points balance, log in to the Amex app. Navigate to My Points to view your points transactions details.\"}},{\"@type\":\"Question\",\"name\":\"What interest rate applies to unpaid balances on the American Express Cobalt Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Any purchases charged to the card will be subject to an interest rate of 21.99%, which goes up to 25.99% - 29.99% if you miss two or more payments. Additional fees and charges may occur, such as a $29 fee if you go over your credit limit.\"}}]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/c3e55e0d6d07e36c1a099a1f91cb77f4\",\"name\":\"Cameron Millband\",\"description\":\"Cameron Millband is a Performance Director at Finder. He's passionate about personal finance and helping people make better financial decisions. Cameron has a degree in Business from Bishop's University. When he\u2019s not working he enjoys meandering through the city with his family, riding his motorcycle, snowboarding and travelling. \",\"jobTitle\":\"Performance Director\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/cameronmillband\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2024\\\/03\\\/CameronMillband_Finder_600x600.jpege6b8c0facbc48433e867025a401a6a01\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2024\\\/03\\\/CameronMillband_Finder_600x600.jpeg\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2024\\\/03\\\/CameronMillband_Finder_600x600.jpeg\",\"caption\":\"Cameron Millband\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-04-29T19:48:14+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"American Express Cobalt Card Review 2026: Is It Worth It?","description":"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card","og_locale":"en_US","og_type":"article","og_title":"American Express Cobalt Card Review: Is It Worth It?","og_description":"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.","og_url":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card","og_site_name":"Finder Canada","article_published_time":"2018-10-16T06:00:48+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg","type":"image\/jpeg"}],"author":"Emma Balmforth","twitter_misc":{"Written by":"Emma Balmforth","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card"},"author":{"name":"Emma Balmforth","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/bfddbe38fd9e7ed027d3bd4980d7384f"},"headline":"American Express Cobalt Card review","datePublished":"2018-10-16T06:00:48+00:00","dateModified":"2026-04-29T19:48:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card"},"wordCount":2474,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg","articleSection":["American Express Credit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"editor":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55"},"citation":[{"@type":"CreativeWork","name":"American Express Canada: American Express Cobalt Card","url":"https:\/\/www.americanexpress.com\/en-ca\/credit-cards\/cobalt-card"},{"@type":"CreativeWork","name":"American Express Canada: Membership Rewards Program","url":"https:\/\/www.americanexpress.com\/en-ca\/benefits\/rewards\/membership-rewards\/"},{"@type":"CreativeWork","name":"American Express Canada: Amex Bank of Canada\u2014Cardmember Agreement and Other Important Information: American Express Cobalt Card","url":"https:\/\/www.americanexpress.com\/content\/dam\/amex\/ca\/en\/legal\/cardmember-agreement\/pdf\/190172-Cobalt-CMAs-16468-Eng.pdf"}],"contributor":[{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/c3e55e0d6d07e36c1a099a1f91cb77f4"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card","url":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card","name":"American Express Cobalt Card Review 2026: Is It Worth It?","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg","datePublished":"2018-10-16T06:00:48+00:00","dateModified":"2026-04-29T19:48:14+00:00","description":"For an annual fee, the Amex Cobalt offers sweeping perks. Learn more\u2014plus explore alternatives\u2014in our American Express Cobalt review.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2018\/10\/AmericanExpressCobaltCard_Supplied_1800x1000.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-cobalt-card#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards"},{"@type":"ListItem","position":3,"name":"American Express Credit Cards","item":"https:\/\/www.finder.com\/ca\/credit-cards\/american-express"},{"@type":"ListItem","position":4,"name":"American Express Cobalt Card review"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/bfddbe38fd9e7ed027d3bd4980d7384f","name":"Emma Balmforth","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","caption":"Emma Balmforth"},"description":"Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.","sameAs":["https:\/\/www.linkedin.com\/in\/emma-balmforth-18947598"],"url":"https:\/\/www.finder.com\/ca\/author\/emmabalmforth","jobTitle":"Producer","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55","name":"Stacie Hurst","description":"Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.","jobTitle":"Editor","url":"https:\/\/www.finder.com\/ca\/author\/staciehurst","sameAs":["https:\/\/www.linkedin.com\/in\/stacie-hurst"],"knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Stock Trading"},{"@type":"Thing","name":"Cryptocurrency"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Credit Cards"}],"image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.pngcfe62ed08078867c09b416e0c53c05a0","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/StacieHurstF1_Finder_600x600.png","caption":"Stacie Hurst"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"How do Membership Rewards points work with the Amex Cobalt Card?","acceptedAnswer":{"@type":"Answer","text":"When you get a American Express Cobalt Card, you're automatically enrolled in the Membership Rewards Program for free. As a member, your points give you access to a variety of travel and entertainment experiences, merchandise, gift cards and other rewards."}},{"@type":"Question","name":"How do I check my Amex Cobalt Membership Rewards points balance?","acceptedAnswer":{"@type":"Answer","text":"To see your points balance, log in to the Amex app. Navigate to My Points to view your points transactions details."}},{"@type":"Question","name":"What interest rate applies to unpaid balances on the American Express Cobalt Card?","acceptedAnswer":{"@type":"Answer","text":"Any purchases charged to the card will be subject to an interest rate of 21.99%, which goes up to 25.99% - 29.99% if you miss two or more payments. Additional fees and charges may occur, such as a $29 fee if you go over your credit limit."}}]},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/c3e55e0d6d07e36c1a099a1f91cb77f4","name":"Cameron Millband","description":"Cameron Millband is a Performance Director at Finder. He's passionate about personal finance and helping people make better financial decisions. Cameron has a degree in Business from Bishop's University. When he\u2019s not working he enjoys meandering through the city with his family, riding his motorcycle, snowboarding and travelling. ","jobTitle":"Performance Director","url":"https:\/\/www.finder.com\/ca\/author\/cameronmillband","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpege6b8c0facbc48433e867025a401a6a01","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/03\/CameronMillband_Finder_600x600.jpeg","caption":"Cameron Millband"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}}]},"article_modified_time":"2026-04-29T19:48:14+00:00"},"custom_fields":{"show_author_box":["yes"],"_masthead_subheading":["{\"text\":\"Rack up Membership Rewards with the Amex Cobalt, and redeem for flights, car rentals, gear and more.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/749689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/452"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=749689"}],"version-history":[{"count":19,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/749689\/revisions"}],"predecessor-version":[{"id":1076910,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/749689\/revisions\/1076910"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1044796"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=749689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=749689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=749689"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=749689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}