Where can I use the American Express Cobalt Card in Quebec or Canada?

You can use your American Express Cobalt® Card at grocery stores like Metro, Super C, Safeway, Whole Foods, your local Couche-tard or 7Eleven convenience store, your favorite gas station like Esso, Shell, Petro-Canada or any travel provider!

How many points can I earn on my American Express Cobalt Card purchases?

You can earn 1 point per dollar on all purchases with the American Express Cobalt® Card. And 5 points per dollar for groceries, restaurants and food delivery, and 2 points per dollar for transportation.

What is the American Express Cobaltᴹᴰ Card welcome offer?

The American Express Cobalt® Card offers up to 15,000 Membership Rewards points spread over the first 12 months, where you earn 1,250 points each month after making $750 in purchases on your card.

How can I use American Express Cobalt® Card Membership Rewards points?

Membership Rewards points can be used as credit towards everyday purchases or travel (1,000 points = $10), or transferred to loyalty programs such as Aeroplan, Avios, Flying Blue, Marriott Bonvoy or Hilton Honors.

How many points can I earn for every dollar I spend with the American Express Cobalt® Card?

You can earn between 1 and 5 points per dollar, depending on the category of purchase: 5 points for groceries, food delivery, restaurants, and convenience stores; 3 points for streaming services; 2 points for gas stations and transportation; and 1 point for all other purchases.

How can I get cash back with the American Express Cobalt® Card?

For example, if you spend $1,000 monthly in the grocery, restaurant and food delivery categories, you’ll earn $50 cash back per month, or $500 per year, thanks to 5 points per dollar in these categories.

Does the American Express Cobalt® Card offer travel insurance?

Yes, American Express Cobalt® Card offers various types of insurance, including rental car theft and damage, baggage delay, baggage loss or theft, flight delay, travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Protection and Purchase Protection Guarantee.

What is the minimum income required to obtain the American Express Cobalt® Card?

No minimum income is required to obtain the American Express Cobalt® Card.

How are points earned during the first year with the American Express Cobalt® Card?

In your first year, you can earn 1,250 Membership Rewards points every month you charge $750 in net purchases to your Card, for a total of up to 15,000 points in one year.

How can I use my American Express Cobalt® Card Membership Rewards points for travel?

Membership Rewards points earned with the American Express Cobalt® Card can cover American Express travel expenses by applying them directly as a credit on your travel purchases or by transferring them to partner loyalty programs.

How do I get the welcome bonus with the American Express Cobalt® Card?

To earn the welcome bonus with the American Express Cobalt® Card, you must make net purchases of $750 each month to receive 1,250 Membership Rewards points, up to 15,000 points during your first 12 months. Full program terms and conditions are available on the Amex Canada website.

How do net purchases affect point accumulation with the American Express Cobalt® Card?

Net purchases, meaning your purchases minus returns, made with the American Express Cobaltᵀᴹ Card are eligible to earn Membership Rewards points based on qualifying purchase categories, such as groceries or travel, and according to the loyalty program’s terms and conditions.

What advantages does the American Express Cobalt® Card offer when renting a car?

The American Express Cobalt® Card offers theft and damage insurance for rental cars. Terms of service and details of coverage and exclusions can be found in the card’s insurance guide.

Is the American Express Cobalt® Card available to US residents?

No, the American Express Cobalt® Card is specifically designed for residents of Canada. U.S. residents can explore other card options through the country’s Amex bank.

What are the annual fees for American Express Cobalt® Card, and are there any promotions for new cardholders?

The American Express Cobalt® Card has an annual fee of $191.88. Details of fees and promotions can be found in the terms of service and promotional offers on the Milesopedia or Amex Canada websites.

Does the American Express Cobalt® Card offer cash advance benefits?

Specific terms and conditions for cash advances with the American Express Cobalt® Card, including applicable fees and interest rates, can be found in the Card Services Guide on the American Express Canada website.

How are points earned during the monthly billing period with the American Express Cobalt® Card?

During each monthly billing period, American Express Cobalt® Cardmembers can earn 1,250 Membership Rewards points by charging $750 in net purchases to the card, earning up to 15,000 points in one year, according to program terms and conditions.

Can I use my American Express Cobalt® Card in the United States or anywhere else in the world?

Yes, you can use your American Express Cobalt® Card in the USA or anywhere else in the world. However, there will be a 2.5% conversion fee applied to your purchase.

Marriott Bonvoy Archives

American Express Cobalt^® Card

Up to 15,000 Membership Rewards

First year value : $1,054

Best of December 2025

5X points on groceries and dining
Use your points as a statement credit on any purchase
Transfer your points to airline and hotel partners

Apply Now

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Best American Express Credit Card in 2023

In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
Earn 3X the points on eligible streaming subscriptions in Canada
Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
Earn 1X point for every $1 in Card purchases everywhere else
Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
Transfer points 1:1 to several frequent flyer and other loyalty programs
Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

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