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Brazil Travel itinerary

Brazil Travel itinerary
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Watercolour of Brazil

The title of this song by composer Ary Barroso (Aquarela do Brasil*) is perfect for this colourful and diverse country. And I’m not just talking about its landscapes, its fauna and flora. Its people and culture are also part of this mix.

*Here is a YouTube link, if you want to see the cartoon made by Walt Disney, in 1942. The story takes place in Rio de Janeiro, when Donald goes to visit Joe (Zé Carioca), his Brazilian cousin. The Luso-Brazilian singer Carmen Miranda will make a special appearance. You will also find « Tico-Tico no Fubá », another classic of Brazilian music, covered by Alys Robi under the title Tico-Tico in Quebec.

In 1969, in the song País Tropical, the singer and composer Jorge Ben Jor wrote: « I live in a tropical country blessed by God and beautiful by nature ». He is right!

Besides having the greatest biodiversity in the world, Brazil is also a great cultural mix. The population of this immense country can have several origins: Indigenous, African, Portuguese, Spanish, German, Italian, Russian, Ukrainian, Polish, French, Dutch, Lebanese, Syrian, Japanese, etc.

Brazil Travel itinerary - maison hofmann

Did you know that the Japanese (about 2,000,000 people), Italian (about 30,000,000) and Lebanese (about 6,000,000) diasporas in Brazil are among the largest in the world?

And immigration did not only happen in the past in this country, as it has never stopped welcoming people of many origins. Among the most recent are immigrants from Cuba, China, Haiti, Venezuela, Paraguay, Peru, Argentina, Bolivia, South Korea, Congo…

When you think of Brazil, the first thing that comes to mind is Rio de Janeiro, which is undoubtedly the country’s best known city and the gateway to tourism. Another example is the megalopolis São Paulo, the country’s economic capital and one of the largest cities in the world.

Visit to Brazil

Since there are already articles about these cities, I would like to introduce you to other destinations I visited during my last trip to my home country.

The Federative Republic of Brazil has 27 units (26 states and the Federal District), divided into 5 regions:

  • North (7 states);
  • Northeast (9 states);
  • Central-West (3 states and the Federal District);
  • South-East (4 states);
  • South (3 states).

These regions were classified according to the socio-cultural and geographical similarities of their states.

During this trip, we passed through cities located in 4 regions:

  • São Paulo, Belo Horizonte, Ouro Preto, Mariana and Montes Claros (South-East region);
  • Recife, Olinda, Porto de Galinhas and Fernando de Noronha (North-East region);
  • Manaus (Northern region);
  • Curitiba (Southern Region).
Brazil Travel itinerary - bars du quartier historique

Our travel itinerary in Brazil

Quebec City (YQB) – São Paulo (GRU), with a landover inToronto (YYZ)

Leaving Quebec City in winter is always stressful because of the weather, which can sometimes lead to flight cancellations. Fortunately, we did not have any problem.

Contrary to Air Canada’s bad reputation regarding official languages, for French of course, the crew members spoke six languages on the flight from Toronto to São Paulo, including French and Portuguese.

Sao Paulo (GRU) – Recife (REC)

After the direct flight of about ten hours from Toronto (YYZ) to São Paulo (the airport is located in the city of Guarulhos) (GRU), we took a flight to Recife (REC), in the North-East of the country.

Since we had a few hours wait at the airport in São Paulo, I asked someone from the family to come and meet us. This allowed us to spend time with my family, set up a local SIM card, eat and drop off our four 32kg suitcases in his car, so we could leave with only a backpack.

A few weeks later we met in Belo Horizonte, my home town, as this person was going there for the holidays.

Brazil Travel itinerary - belvédère du quartier mangabeiras

Recife (REC)

Brazil Travel itinerary - affiche

After a 3-hour flight, we arrived in Recife, the capital of the state of Pernambuco and one of the largest cities in the North-East region.

Recife is the oldest state capital in Brazil. The beaches are very famous and attract many tourists every year. Its Carnival is very popular, as are those of Olinda, Rio de Janeiro and Salvador.

We stayed at the Internacional Palace Hotel, which is located in front of Boa Viagem (« beach of the good trip »), in the district of the same name.

Brazil Travel itinerary - quartier de boa viagem
Brazil Travel itinerary - plage de boa viagem
Brazil Travel itinerary - plage de boa viagem et barrière de coraux

Unfortunately, this beach has already had cases of shark attacks. You should therefore be careful and only swim when the tide is low, as the coral reef offers protection.

At the beach, there are food and drink stands, as well as chairs and umbrellas for rent, or free of charge, if we buy food and drink. Our favourite place on the beach was Joseph’s kiosk, a Frenchman who worked on the beach with his Brazilian wife and daughter with whom we took our chairs every day.

Brazil Travel itinerary - le territoire de joseph, le français

The Boa Viagem area is the best and most affluent in the city, with good dining and accommodation options. The typical cuisine of the North-East region is very rich, so it’s a good opportunity to try new stuff. Many restaurants offer free shuttles, so we don’t have to walk around in the evening, as this is not recommended.

The historical center of Recife is very beautiful, although poorly maintained. Renovations would do it a lot of good. For those who love colonial architecture, this is a great visit. You can discover the historic center by yourself. We went there one day by taxi and another day on a guided tour. Keep an eye on your belongings, especially cell phones and wallets.

Brazil Travel itinerary - Église basilique notre-dame-de-penha
Brazil Travel itinerary - bâtisses coloniales
Brazil Travel itinerary - Église basilique notre-dame-du-carmel
Brazil Travel itinerary - Église de notre-dame-de-boa-viagem
Brazil Travel itinerary - marco zero

We took a lovely catamaran tour where we passed under bridges in Recife (which is called the Brazilian Venice), while the guide explained the history of the area.

Brazil Travel itinerary - vieux-recife vu du catamaran 02
Brazil Travel itinerary - assemblée nationale du pernambouc vue du catamaran

We left Recife to spend a few days in the archipelago of Fernando de Noronha. On our return, we stayed at the Jangadeiro hotel, located in front of the sea, still at Boa Viagem beach.

This time, we visited two interesting museums:

  • Ricardo Brennand Institute: The BRI has the world’s largest collection of the Dutch painter Frans Post, the first landscape painter of the Americas and the first Brazilian landscape painter. It also houses one of the largest collections of swords in the world, with more than 3,000 pieces, including 27 complete medieval armours.
  • Oficina Ceramica Francisco Brennand: This is a monumental complex – museum and workshop – with about 2,000 works, including sculptures, murals, panels, paintings, drawings and ceramic objects. The main theme of Francisco Brennand’s work is the origin of life and the eternity of things, with a subtle erotic touch.
Brazil Travel itinerary - oficina ceramica francisco brennand
Brazil Travel itinerary - musée d-art sacré et médiéval
Brazil Travel itinerary - art médiéval
Brazil Travel itinerary - musée et atelier d-art

One-day tours from Recife

Olinda

Olinda is located a few kilometers from Recife, a bit like Quebec City-Lévis. You can go there by taxi, Uber or guided tour. Some people prefer to stay there, instead of staying in Recife. Olinda is a beautiful city of colonial architecture, located by the sea. Walking through its cobbled streets is like taking a trip back in time.

Brazil Travel itinerary - recife vue d-olinda
Brazil Travel itinerary - excursion en 4x4
Brazil Travel itinerary - monastère de saint-benoît

The Olinda Carnival is very popular, as is the one in Recife.

*As I don’t like big cities, I prefer to visit them when there are no big events.

Brazil Travel itinerary - intérieur
Brazil Travel itinerary - Église de notre-dame-du-carmel
Brazil Travel itinerary - cathédrale de la sé -saint-sauveur-du-monde-
Porto de Galinhas

Porto de Galinhas means « port of chickens ». This beach, located in the municipality of Ipojuca, has been voted the best in Brazil more than 10 times by tourism magazines.

Brazil Travel itinerary - photo turismo porto de galinhas

Today, the area attracts millions of tourists annually to visit the beautiful beaches and natural pools formed by the coral reef.

Upon arrival, we booked our dinner, before leaving for a jangada (raft) ride to see the natural pools and swim with the fish, and a buggy tour to visit other beautiful beaches in the area, such as Maracaípe, Muro Alto and Cupe. After the visits, we ate at the restaurant and visited the village shops.

This region deserves more than one day. Next time, I will stay at least a week, to practice la dolce vita, idleness (you can choose the name you want)!

Brazil Travel itinerary - rue piétonne
Brazil Travel itinerary - radeaux et piscines naturelles
Brazil Travel itinerary - photo turismo porto de galinhas
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Recife (REC) – Fernando de Noronha (FEN)

Brazil Travel itinerary - au revoir, recife

After an hour flight, we arrived at the archipelago of Fernando de Noronha (commonly called Noronha), which is THE dream destination in Brazil.

This archipelago of about 3,000 inhabitants has a natural park status, and is on the UNESCO World Heritage list.

The number of visitors is limited and there is a « preservation fee » charged on arrival, as well as a fee calculated by the number of days. There are also centres for the protection of fauna and flora.

Several beaches are public. However, the most beautiful ones are part of the national park, for which you have to buy an access card that you have to show at the gatehouse to get in. On these paying beaches, we can also find snack bars and souvenir shops and snorkeling equipment rental.

The island is small, but we can’t do everything on foot. Options are taxi, bus and buggy/scooter/bike rental.

Since everything is « imported » from the continent, the cost of living is more expensive in Noronha. For accommodation and catering, we can say that it costs 2 to 3 times more, compared to the continent. Our pousada, very simple, was more expensive than our 4-star hotels in Recife. But as this place deserves to be visited at least once in a lifetime, we disregarded the prices.

Brazil Travel itinerary - belvédère de la plage du sancho 03

Beaches

Brazil Travel itinerary - plage du sancho

The Sancho beach has been voted several times as the most beautiful in the world by TripAdvisor. This beach is located at the bottom of a cliff and people with reduced mobility cannot access it, as to get there they have to climb down ladders and stairs installed on the rocks. However, for those who stay above, trails to the lookouts are accessible. The alternative to the ladders/staircases would be a boat trip, to see the beach from a distance.

Brazil Travel itinerary - Échelle d-accès à la plage du sancho
Brazil Travel itinerary - baie et plage du sancho
Brazil Travel itinerary - belvédère de la plage du sancho 02
Brazil Travel itinerary - les deux frères et la baie du sancho

After the lookout forS ancho beach, there is a lookout to see the two rocks in the sea (known as the Two Brothers), which are the symbol of the archipelago. This lookout, designed to view them from the top of the cliff, is often very busy.

Brazil Travel itinerary - plage du cachorro -plage du chien-

Leão Beach (Lion Beach) has been part of the national park network for two years. This is an area where turtles lay their eggs. It is possible to see them, but visits are controlled.

Brazil Travel itinerary - plage du leão -plage du lion-

Sueste beach is also part of the national park network. It is a large beach where we could see many animals including rays, turtles, sharks and baby sharks as well as fishing birds. At 4pm everyone has to get out of the water because it is dinner time for the sharks and turtles, and human presence can disturb them.

Brazil Travel itinerary - plage de sueste
Brazil Travel itinerary - notre ami
Brazil Travel itinerary - les deux frères

The beaches of Cachorro (Dog Beach) and Conceição are linked by a path.

Other beaches, such as Boldró, Americano, Bode, Cacimba do Padre, Atalaia, are also worth visiting and can be reached by different paths. Some of these trails can only be accessed if a booking was made in advance, sometimes several days beforehand.

At the public beach of the port of Santo Antônio, people can bathe for free and that where the boat excursions leave from.

We went on an excursion to admire the most famous places on the island: the rocks of the Two Brothers, the mount of the Peak, several beaches, a pierced rock and many others. We stopped for a swim, where we saw the Sancho beach and the Two Brothers from a distance. For several minutes, our boat was followed by dolphins that seemed to have fun following us.

Brazil Travel itinerary - les deux frères et le mont du pic, les symboles de fernando de noronha, vus de l-avion
Brazil Travel itinerary - les dauphins qui nous suivaient 02
Brazil Travel itinerary - le rocher percé
Brazil Travel itinerary - le bateau
Brazil Travel itinerary - mont du pic
Brazil Travel itinerary - excursion en bateau

Lookouts

  • Path to see the Sancho Beach and the rocks of the Two Brothers
Brazil Travel itinerary - belvédère de la pointe d-air france
Brazil Travel itinerary - clotûre
  • Pointe d’Air France: at the tip of the island, the inner sea (towards Brazil) and the outer sea (towards Africa) meet. This is a historic area where the French settled in the 1920s to support the air force. It is not a swimming area as it is very dangerous. You can see the secondary islands, including that of São José, which houses the only fortification located outside the main island: the Fort of São José do Morro.
Brazil Travel itinerary - falaise
  • Capela de São Pedro dos Pescadores (Chapel of Saint Peter the Fisherman). Small and simple, this chapel is isolated on top of a hill with a large cross next to it and close to the beach of Pointe d’Air France. It was built around 1930 when the French occupied the island as an air force support point. The chapel could not have been named in honour of anyone else but the patron saint of the fishermen who lived from tourism in the waters near the archipelago. This chapel often hosts wedding ceremonies and photo shoots, one of which we were able to observe.
Brazil Travel itinerary - chapelle de saint-pierre des pêcheurs
  • Fort of Nossa Senhora dos Remédios (Fort of Our Lady of Remedies). Asserting a dominant position on the bay of Santo Antônio, it was the main defence structure of the island and the archipelago.
Brazil Travel itinerary - Église notre-dame-des-remèdes
Brazil Travel itinerary - fort notre-dame-des-remèdes
  • Fort of Boldró. On top of a hill, it offers a beautiful view of the beach of Boldró and the Two Brothers.
Brazil Travel itinerary - restaurant mergulhão
Brazil Travel itinerary - au revoir, noronha

Recife (REC) – Manaus (MAO)

After a 4-hour flight, we arrived in Manaus, the capital of the state of Amazonas and the largest city in the northern region.

This city, founded by the Portuguese in 1669 at the confluence of the Negro and Solimões rivers, is at the centre of the largest tropical forest in the world. It was known in the early 20th century as the Paris of the tropics, due to the luxury of European architecture during the rubber cycle, attracting foreign investment and immigrants from all over the world.

Manaus is the third largest industrial centre in Brazil (after São Paulo and Rio) and the headquarters of several research, scientific and environmental organisations.

We visited the city centre without a guide and, as suggested by many people, with some caution.

Brazil Travel itinerary - marché municipal adolpho lisboa

Places visited

  • The fabulous Amazonas Theatre: built with materials from Europe and Brazil, it is the postcard of Manaus and one of the most important theatres in the country .
  • We had the opportunity to take a guided tour and also the chance to get tickets for a samba show.
  • The church of São Sebastião
  • São Sebastião Square and the Monument to the opening of the Amazonas ports to world trade
  • The former courthouse, now a cultural center
  • Eduardo Ribeiro Museum-House
  • Dom Bosco School
  • Dom Pedro II Square
  • The Palace of Liberty (Museum of the city of Manaus)
  • The Rio Branco Palace
  • The Metropolitan Cathedral of Manaus Our Lady of Conception and the XV November Square
  • The town clock
  • The old customs building
  • The Port of Manaus
  • The Adolpho Lisboa Municipal Market (where we ate some typical dishes)
  • The Provincial Palace
  • The Amazonense Dom Pedro II School
Brazil Travel itinerary - escaliers
Brazil Travel itinerary - fresque du plafond
Brazil Travel itinerary - scène
Brazil Travel itinerary - salle de réceptions
Brazil Travel itinerary - loges
Brazil Travel itinerary - cathédrale métropolitaine
Brazil Travel itinerary - port
Brazil Travel itinerary - place de são sebastião
Brazil Travel itinerary - les singes
Brazil Travel itinerary - palais provincial

We used Uber to get to the Mercure Hotel to enjoy the pool a bit before dinner and the show at the Amazonas Theatre. The next day we took a boat trip to see and do several interesting things:

  • see the new 4 km Phelippe Daou (or simply Negro River bridge) bridge linking Manaus to communities that previously depended on boats;
  • see botos (pink freshwater dolphins) roaming in the Negro River;
  • visit the Dessana tribe (we saw their dance, the sacred fire, and we tasted the roasted ants. At the end, I encouraged them by buying some handicrafts);
  • dinner at the floating restaurant Reine de la Jungle;
  • climb a platform in the Janauari National Park to see monkeys and Vitórias-Regias (Giant Water Lilies);
  • see the incredible view of where rivers Negro and Solimões meet. The waters of these rivers do not mix because of their different temperatures, densities and speeds, which makes the trip interesting. However, the meeting of the two rivers can be seen much more clearly from the air.

In the evening we went to the Manauara shopping center to eat at the famous Cachaçaria do Dedé.

Brazil Travel itinerary - on pouvait rester dans l-eau, mais on ne pouvait pas nager ni toucher l-animal
Brazil Travel itinerary - excursion en bateau sur le fleuve negro
Brazil Travel itinerary - avec la grand-mère et le petit-fils
Brazil Travel itinerary - tribu dessana
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Manaus (MAO) – Sao Paulo (GRU) – Belo Horizonte (CNF) – Montes Claros (MOC)

This part of the trip was only done to visit some of my family, so I’ll leave it here only for the chronology.

Brazil Travel itinerary - avion avec l-ancien logo de gol
Brazil Travel itinerary - la rencontre des eaux des fleuves negro et solimões vue de l-avion

Montes Claros (MOC) – Belo Horizonte (CNF)

After seeing some of my family in the city of Montes Claros, in the north of the state of Minas Gerais, we flew to my home city, Belo Horizonte, the capital of the state.

As we had already visited this city before, we dedicated these few days to family and friends.

Places to visit

  • The Pampulha lake complex
  • The Mineirão soccer stadium
  • São Francisco de Assis Church
  • The Savassi and Santa Teresa districts (Belo Horizonte is considered the bar capital of the country)
  • The Mangabeiras district’s lookout, which offers a magnificent view of the city
  • The Pope’s square (where Pope John Paul II celebrated a mass in 1980)
  • The Liberty Square
  • The old government palace and the former ministries (all of which have moved near the international airport, 45 km from the city centre) The old buildings, in neoclassical style, which now house museums
  • The Central Market
Brazil Travel itinerary - stade mineirão
Brazil Travel itinerary - Église saint-françois-d-assise
Brazil Travel itinerary - musée d-art de pampulha
Brazil Travel itinerary - vue du belvédère du mangabeiras

One day tours from Belo Horizonte

The Inhotim Institute (60 km from Belo Horizonte, in the town of Brumadinho)

The Inhotim Institute has one of the most important collections of contemporary art in Brazil and is considered the largest open-air museum in the world. It occupies an area of about 1000 hectares, of which about 10% is open to the public.

This institute is a beautiful mixture of park, botanical garden and museum. It has a research center, restaurants, shops and a hotel.

Brazil Travel itinerary - environnement
Brazil Travel itinerary - lac
Brazil Travel itinerary - sculpture

The historical colonial cities of Congonhas, Mariana and Ouro Preto (100 km from Belo Horizonte).

I like Ouro Preto so much that I decided to go there again (I don’t remember how many times I went there).

We drove with friends to Ouro Preto, and this time we added to our visit the nearby town of Mariana, where I had never been. Once in Ouro Preto, we took the tourist train that runs the 18 km between the two cities for an hour.

This old railway, built in 1883, has been revitalized by acompany called Vale. The trip on the little train is very interesting. We spent part of the day in Mariana before taking the train back to Ouro Preto for the rest of the day.

  • Mariana

The city of Mariana, founded in 1696, is the oldest in the state of Minas Gerais. This was a time when the area attracted many gold miners. The city’s economy is primarily mining, which accounts for 80% of its gross domestic product. It is part of the iron-ore quadrilateral, which accounts for 60% of Brazil’s iron ore production. The region is also rich in precious stones and metals.

With its numerous baroque buildings, it is also a tourist city which is part of the Royal Route (Estrada Real), a tourist route linking places that were important during the gold rush.

Mariana was the first capital of the state, before being replaced by Ouro Preto.

Places visited
  • The train station of Mariana
  • The old town hall
  • The old prison
  • The church of Saint Francis of Assisi
  • Our Lady of Mount Carmel Church
  • The pillory (post where slaves were tied and whipped in the public square)
  • Gomes Freire Square
  • The São Francisco Fountain
  • Ouro Preto

The beautiful city of Ouro Preto (then called Vila Rica) was founded in 1711, following the discovery by pioneers of gold in the rivers of Minas Gerais in the late 17th century. Several gold seekers, followed by merchants, came there to make their fortune. This city quickly became prosperous and very important.

Around 1750, it had more inhabitants than the cities of Rio de Janeiro or New York. Its wealth allowed it to build a multitude of baroque churches, many of which were decorated by the architect-sculptor « Aleijadinho », nicknamed « the little cripple » because he was disabled. His work is magnificent and deserves to be admired. Ouro Preto is without a doubt the most famous and important colonial city in Brazil.

It was the first historical city in the country to be protected by UNESCO and the second capital of the state, before being replaced by Belo Horizonte.
Built on several hills with steep slopes and cobblestone streets, it is highly recommended to have good shoes to make the visit more enjoyable.

Places visited
  • The train station
  • Our Lady of Mount Carmel Church
  • The municipal theatre
  • The Museum of the Conjuration (Inconfidência) – former prison
  • The pillory (also the place where the head of Tiradentes, the martyr of independence, was exposed)
  • Tiradentes Square

We visited fewer places in Ouro Preto since we had already visited it. However, there is much to discover in this picturesque and mysterious historic city.

This city has 18 churches, 12 museums, the municipal theatre, the university, the public library, the train station, the soapstone handicraft market, old mines, several hotels and restaurants as well as many other sites. It is possible to stay a few days in these cities because there are so many things to see. Sometimes certain areas are blocked off and inaccessible for an inside visit.

Despite the tragic past linked to slavery and Portuguese domination, the historical cities of Minas Gerais, especially Ouro Preto, have contributed to literature, science and especially to the movements towards Brazilian independence.

  • Congonhas

Congonhas is about 80 km from Belo Horizonte. Its main attraction is the Sanctuary of the Good Jesus of Matosinhos, which was created in the eighteenth century by Aleijadinho and is considered one of the greatest Baroque works in the world. The UNESCO-protected shrine includes a church, stairs, a terrace, twelve soapstone sculptures of Old Testament prophets and seven chapels.

We visited it on another trip, but because of its proximity to Ouro Preto and Mariana, it is worth spending at least a few hours there.

Other historical cities worth visiting in the state of Minas Gerais are Tiradentes, São João Del Rey and Diamantina.

Belo Horizonte (CNF) – Sao Paulo (CGH)

The airport of Belo Horizonte is located about 45 km from the city centre, in the town of Confins. Once at the airport, it only takes an hour to fly from Belo Horizonte to São Paulo’s Congonhas airport, which is much closer than Guarulhos. We stayed a few days in São Paulo to see the family since we had already visited the city.

For more travel ideas, you can read Caroline’s article.

However, I recommend you to visit:

  • the center the city
  • the Municipal Theatre
  • the observatory of the Altino Arantes building (Farol Santander)
  • the cathedral of the Sé
  • the São Paulo Museum (MASP)
  • Paulista Avenue (São Paulo State)
  • the Vila Madalena district
  • the Beco do Batman (Batman’s alley) (see the graffiti)
  • the Japanese district of Liberdade
  • the Eataly branch
  • the resort of La Luz
  • the São Paulo Pinacoteca
  • Ibirapuera Park
  • 25 de Março Street (March 25), to see the madness of a popular shopping street
  • the Mercado Municipal (municipal market), to eat a big pastel

One-day tours from São Paulo

  • Visit the beaches of Santos, São Vicente or Guarujá
  • Riding the cable car in São Vicente (small chairs, I was afraid! hahaha!)

As São Paulo is a large, densely populated city with a lot of traffic (more than 9,000,000 cars, motorcycles, buses and trucks), travel time can be greatly affected.

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Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

São Paulo (CGH) – Curitiba (CWB)

Before returning to Quebec, we decided to spend a few days in another city and our choice was Curitiba, an hour’s flight from São Paulo. It is the capital of the state of Paraná, the Ecological Capital of Brazil and the largest city in the southern region.

The southern region is known for its cold climate and its population of European origin. For example, in Curitiba, there are residents of Ukrainian, Italian, Polish and German origin. The city is known worldwide for its green projects and for the creation of the Bus Rapid Transit system in the 1970s, which has inspired many cities around the world.

To visit the city on foot, we chose a hotel near the city centre. To visit the other attractions, all you had to do was buy a ticket for the Linha Turismo double-decker bus, which passes by all the city’s attractions. It is possible to disembark everywhere on the route and get back on the bus back 5 times (not enough, in my opinion, but hey… When attractions were close, we walked or used Uber services to take the bus back a bit further).

Places visited (on foot and with the bus)
  • The Botanical Garden (with its glass greenhouse and several examples of Araucárias, the Brazilian pines)
  • Rua das Flores (Flowers Street)
  • Downtown
  • The Passeio Público park
  • The Arab Memorial
  • The town hall
  • The Polish Gateway
  • The John Paul II Woodland and the Polish Immigration Memorial
  • Curitiba is the second largest Polish diaspora in the world, after Chicago. Polish immigrants began arriving in 1871.
  • The Oscar Niemeyer Museum (MON or Museum of the Eye)
  • The Bosque alemão (German Woodland), the Hansel and Gretel trail and the Philosophers’ Tower
  • German immigrants began arriving between 1828 and 1833.
  • The Ópera de Arame (Wire Opera), a magnificent cultural space
  • Tanguá Park
  • The Ukrainian Memorial – Tingui Park
  • Ukrainian immigrants began arriving in 1895.
  • The Italian Gateway
  • The Santa Felicidade district (Italian quarter)
  • Italian immigrants began arriving in 1878.
  • The restaurant Novo Madalosso. Inaugurated in 1970, it offers 4,645 seats on a surface of 7,671 square meters. These figures made possible its inclusion in the Guinness Book of World Records as the largest restaurant in the Americas. It has free parking for 900 cars, and employs 70 cooks and 160 servers. In this restaurant, we pay for the food per person and the waiters keep serving us, until we ask for the bill.
  • The Durigan vineyard
  • The parish of São José and Santa Felicidade
  • The historic district – Garibaldi Palace
  • Garibaldi square and the flower clock
  • The Fountain of Memory and the Drooling Horse
  • The church of Our Lady of the Rosary of Saint Benedict
  • The first independent presbyterian church in Curitiba
  • The Hoffmann house
  • Largo da Ordem (square in the center)
  • The church of the Third Order of Saint Francis of Chagas
  • The minor basilica cathedral of Our Lady of Light
  • Tiradentes Square
  • The XV de Novembro street (XV November)
  • Generoso Marques Square
  • The Freedom Palace – cultural center
  • Avenida Palace – Bradesco Theatre
  • The 24-hour street
  • Hard Rock Cafe Curitiba
  • The Batel district and the Patio Batel shopping center
  • The Paiol Theatre
  • The Oi Panoramic Tower
  • The ruins of São Francisco
  • The Municipal Market
  • The railway museum and the Estação shopping center (train station)
  • The Guaíra Theatre
  • The Federal University of Paraná (UFPR)

Not all of these places are essential for a visit to the city. However, as we had tickets for two days with the Linha Turismo bus, these are the places we visited, some of them more than once.

If you are lucky, you will see a capybara (capivara) in one of the parks. It is the largest rodent in the world, weighing up to 91 kg and measuring up to 1.2 m in length and 60 cm in height. It looks like a giant guinea pig and is the town’s mascot.

Curitiba (CWB) – São Paulo (CGH)

Back in São Paulo, we stayed a few days with our family before returning to Quebec.

Sao Paulo (GRU) – Toronto (YYZ) – Quebec City (YQB)

We flew back on December 30 to touch down in Canada on December 31, just in time for the New Year.

This is the end of our 4 weeks trip in Brazil.
There is so much to see! On every trip, I try to balance family, friends and the places I want to visit.
I can’t wait for the next one!

Featured
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Planning

Flights

YQB-YYZ: Air Canada
YYZ-GRU: Air Canada
GRU-REC : Azul
REC-FEN: Azul
FEN-REC: Azul
REC-MAO : Azul
MAO-GRU: Gol
GRU-CNF : Gol
MOC-CNF: Gol;
CNF-CGH : LATAM
CGH-CWB : LATAM
CWB-CGH : LATAM
GRU-YYZ: Air Canada
YYZ-YQB: Air Canada

The 24-hour cancellation policy for airline tickets - avion avec les nouvelles couleurs de latam

Accommodation

All hotels were booked through hotels.com. There were not many chain hotels in the cities we visited.

In Recife, we tried two different hotels(Hotel Internacional Palace and Hotel Jangadeiro, the latter after the trip to Fernando de Noronha) and both facing the sea in the Boa Viagem district.

In Fernando de Noronha, we stayed in a simple pousada(Pousada das Andorinhas).

In Manaus, we tried the Mercure Manaus Hotel, in the Adrianópolis district.

In Belo Horizonte, Montes Claros and São Paulo, we stayed with family.

In Curitiba, we stayed in a hotel near the city center(Hotel Slaviero Slim Curitiba Alto da XV).

Transportation

We mostly used Uber. This time, I was not afraid to take taxis, but I had bad experiences in my country of origin and in my language…

The taxi was used twice:

  • once in Recife, to go from the airport to the hotel. The return with Uber cost half the price.
  • once in Belo Horizonte, when I came back from the dentist, to avoid staying in the street at night because the Uber service couldn’t find a driver. Although I am Brazilian and in my home town, the taxi driver took detours with me. I guess I must look like a tourist now, hahaha.

Whatever your choice, taxi services or apps (Cabify and Uber) are cheap.

Food

It is relatively affordable to eat out in most cities in Brazil. In Fernando de Noronha the prices are higher, although it is still possible to find affordable options.

The portions are often huge. Ask the waiter (use a translation app, as most people don’t speak other languages there) if one dish is enough for two people. In Olinda, we ordered two different dishes and I had to ask to take half of my plate with me to give to a homeless man on the street and make him very happy.

Do not drink tap water and consume only industrial ice cubes.

In bars and restaurants, it is customary to ask for a 600 ml bottle of beer (very cold) to share, but there are also beers on tap (this is called chopp).

If you are several people, be careful. Often they do one bill for the whole table (I hate that) and sometimes it’s hard to tell who ordered what. It is best to ask before ordering to have separate invoices.

The tip is included in the bill, but this does not prevent you from giving a little more, if you want.

At the beach, there will be several vendors, but at least they are not pushy like in the Dominican Republic. Hahaha

At the beach, you can try Coalho cheese (cheese on a stick, like a popsicle), coconut water and corn sold by independent vendors.

Drinks and small portions are normally bought at the kiosk we choose to have the free chairs and umbrella.

Try the following specialties:

  • coxinha (chicken croquette),
  • pão de queijo (cheese bread),
  • pastel (thin filled pastry – you choose the ingredients)
  • a bowl of açaí (typical fruit of the Amazon),
  • Guaraná Antarctica (the Brazilian soft drink that often beats the two American cola brands).

Some safety tips

  • We should not be paranoid, but we should not let our guard down either. Brazil can be a dangerous destination, if we are not careful.
  • Avoid walking alone at night and on deserted or low-traffic streets. Take a taxi or an Uber.
  • Avoid public transportation, especially during rush hour when it is crowded. If you want to try adventures, be careful with your stuff.
  • Renting a car is not always a good option because there is too much traffic and people drive a little aggressively.
  • Avoid wearing jewellery, wear a watch of little value and be careful with your cell phones, bags, wallet, purse, jewellery, etc.
  • At open-air restaurants with tables near the street, be prepared to be bribed all the time by people (to sell things or ask for money) and don’t leave your bags and cell phones on the chairs or table. Ideally, choose a table further away from the street.
  • At the beach, do not leave your belongings unattended to go into the sea. Chances are they won’t be there when you return. When we are just 2 people, we go 1 person at a time.
  • In the sea, you have to be careful, because there can be strong currents. Don’t forget the sharks in Recife. You have to swim at low tide, always.


Credit cards used

Here are the credit cards we used during our trip to Brazil. The last one was to pay Uber.

Bottom Line

Thanks to milesopedia and the group members for the opportunity to share my experiences, tips and even blunders. I am learning a lot from you and I am happy to add my contribution.

Annual fee
$191.88
Our valuation
$255
Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

My previously published articles

Our featured card

Annual fee
$150
Our valuation
$350
Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 35,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

  • No fees for foreign currency transactions
  • 6 complimentary airport VIP lounge passes
  • Excellent insurance for your travels and purchases
  • Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

0%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 2xTransit
  • 2xEntertainment
  • 1xAll spending

Value

1st Year Value$650
2nd Year Value$397

Card benefits

Concierge service24/7
Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.