Question 1

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

Accepted Answer

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 favourite gas station like Esso, Shell, Petro-Canada or any travel provider!

Question 2

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

Accepted Answer

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

Question 3

What is the American Express Cobalt® Card welcome offer?

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Question 5

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

Accepted Answer

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

Question 6

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

Accepted Answer

For example, if you spend $1,000 monthly in the grocery, restaurant and food delivery categories, you&#8217;ll earn $50 cash back per month, or $500 per year, thanks to the 5 points per dollar in these categories.

Question 7

Does the American Express Cobalt® Card offer travel insurance?

Accepted Answer

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

Question 8

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

Accepted Answer

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

Question 9

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

Accepted Answer

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.

Question 10

What additional benefits does the American Express Cobalt® Card offer?

Accepted Answer

Cobalt Cardmembers enjoy benefits such as bonus reward offers, access to major events, Front of the Line® presale and reserved tickets, and offers and events specially designed for Cardmembers through American Express® Experiences.

Question 11

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

Accepted Answer

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

Question 12

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

Accepted Answer

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 a total of 15,000 points during your first 12 months. Full program terms and conditions are available on the Amex Canada website.

Question 13

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

Accepted Answer

Net purchases, i.e. your purchases minus returns, made with the American Express Cobalt® Card are eligible to earn Membership Rewards Points according to eligible purchase categories, such as groceries or travel, and according to the terms and conditions of the loyalty program.

Question 14

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

Accepted Answer

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&#8217;s insurance guide.

Question 15

Are there any special offers for American Express Cobalt® Cardmembers?

Accepted Answer

Yes, American Express Cobalt® Cardmembers have access to special offers, including bonus rewards deals and exclusive experiences through American Express® Experiences, plus perks like Front of the Line® presale and reserved tickets.

Question 16

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

Accepted Answer

No, the American Express Cobalt® Card is specifically designed for residents of Canada. U.S. residents can explore other card options through the country&#8217;s Amex bank.

Question 17

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

Accepted Answer

The American Express Cobalt® Card has an annual fee of $155.88. Details of fees and promotions can be found in the terms of service and promotional offers on the Milesopedia or Amex Canada websites.

Question 18

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

Accepted Answer

Specific terms and conditions regarding 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.

Question 19

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

Accepted Answer

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.

Question 20

Do the purchase categories apply in the United States or elsewhere with the American Express Cobalt® Card?

Accepted Answer

Officially, the purchasing categories apply to Canada. However, in our experience, the categories also apply to your purchases made in the United States or elsewhere in the world.
You&#8217;ll also earn 5 points per dollar for your purchases at grocery stores, restaurants and bars in the U.S. and worldwide.

Question 21

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

Accepted Answer

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

Loyalty Program: Marriott Bonvoy

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