{"id":300697,"date":"2025-06-22T01:00:00","date_gmt":"2025-06-22T05:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=300697"},"modified":"2025-11-05T12:14:07","modified_gmt":"2025-11-05T17:14:07","slug":"comparison-card-cobalt-vs-gold-american-express","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-card-cobalt-vs-gold-american-express\/","title":{"rendered":"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>American Express Canada offers several cards, but two stand out for their popularity:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620,22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;links&#8221;]<\/p>\n<p>Let&#8217;s take a look at the major differences between the blue and the golden cards.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome bonus for American Express cards in Canada&#8221; css=&#8221;&#8221; el_id=&#8221;welcome_bonus_for_american_express_cards_in_canada&#8221;][vc_column_text]The welcome bonus offered by each of these cards varies according to the promotions.<\/p>\n<p>Here is how the current offer is structured:[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With this welcome offer, you can earn up to <strong>15,000 Membership Rewards points<\/strong>, spread over the first 12 months of card ownership.<\/p>\n<ul>\n<li><strong>1,250 Membership Rewards points<\/strong> after $750 in purchases, each month (monthly statement period)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With this welcome offer for <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you can earn up to <strong>60,000 Membership Rewards points: <\/strong> <\/p>\n<ul>\n<li>5,000 Membership Rewards points for each monthly statement period in which you charge $1,000 in net purchases to your card (12 months X 5,000 points), for a total of <strong>60,000 Membership Rewards points<\/strong>.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1625129765214{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Gold Rewards card but&#8230;&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_gold_rewards_card_but_&#8221;][vc_column_text]<\/p>\n<p>Because it gives more privilege points, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the winner.<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives you fewer points, but also requires less <strong>monthly spending<\/strong>. However, our tip is to make the most of your 5X points accumulation at restaurants and grocery stores.<\/p>\n<p>In fact, by combining the welcome bonus (15,000 Membership Rewards points) from the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> with a $750 purchase at 5X points, another 45,000 Membership Rewards points are added (1,250 points X 12 months), for a total of 60,000 Membership Rewards points.<\/p>\n<p>As a result, 60,000 Membership Rewards points will have been accumulated with $9,000 in expenses for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>compared with $12,000 for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;What income do you need for an Amex card&#8221; css=&#8221;&#8221; el_id=&#8221;what_income_do_you_need_for_an_amex_card&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> requires no minimum income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1625130006692{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;draw&#8221;][vc_column_text]<\/p>\n<p>This one&#8217;s easy!<\/p>\n<p>Like the vast majority of <a href=\"https:\/\/milesopedia.com\/en\/cards\/american-express-canada\/\">American Express credit cards<\/a>, these two credit cards do not require a minimum personal income.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual fee for these 2 American Express cards&#8221; css=&#8221;&#8221; el_id=&#8221;annual_fee_for_these_2_american_express_cards&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For residents outside Quebec, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> has monthly fees of $15.99 (total of $191.88). For residents in Quebec, it is $191.88, charged annually.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Holding the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has a fee of $250, charged once a year.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Cobalt card but&#8230;&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_cobalt_card_but_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>On paper, the cost of <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> costs less than <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>.<\/p>\n<p>But the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has an advantage that the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> doesn&#8217;t: a <strong>$100 annual<\/strong> travel <strong>credit<\/strong>.<\/p>\n<p>This brings the net annual fee for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> to $150, which is lower than the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Membership Rewards Points earning&#8221; el_id=&#8221;membership_rewards_points_earning&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> each offer several levels of point accumulation.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives&nbsp;:<\/p>\n<ul>\n<li><strong>5 X points<\/strong> on restaurant purchases, drinks (bars and bistros), groceries and food delivery services (Uber Eats, SkipTheDishes, etc.)<\/li>\n<li><strong>3 X points<\/strong> on <a href=\"https:\/\/www.americanexpress.com\/ca\/fr\/avantages\/cobalt-card\/services-de-diffusion-en-continu\/\" target=\"_blank\" rel=\"noopener\">streaming services<\/a> in Canada (Apple TV+, Apple Music, Crave, Disney+, Netflix, RDS, Spotify, etc.)<\/li>\n<li><strong>2 X points<\/strong> on transportation purchases (gas, public transit, cabs, ridesharing, etc.)<\/li>\n<li><strong>1 X points<\/strong> for everything else<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For its part, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you get&nbsp;:<\/p>\n<ul>\n<li><strong>2 X points<\/strong> on travel purchases (plane tickets, hotels, car rentals, cruises, trains, etc.)<\/li>\n<li><strong>2 X points<\/strong> on purchases at gas stations, grocery stores and pharmacies<\/li>\n<li><strong>1 X points<\/strong> on the rest<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Cobalt card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_cobalt_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For its <strong>5 X points<\/strong> on daily purchases at grocery stores, restaurants and food services, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> clearly wins this round. By the way, our favorite trick is to <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/points-gift-cards-strategy\/\" target=\"_blank\" rel=\"noopener\">buy gift cards<\/a> at the grocery store at 5X the points, to take advantage of this great accumulation.<\/p>\n<p>The accumulation of these 5X points has a maximum purchase of $2,500 per month and a maximum of $30,000 per year. So, from a $2,501 purchase at 5X points, the accumulation decreases to 1 X.<\/p>\n<p>On the other hand, if major purchases have to be made at the pharmacy, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the winner in its category.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"131976\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading text=&#8221;Using Amex points&#8221; css=&#8221;&#8221; el_id=&#8221;using_amex_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Both American Express cards earn Membership Rewards points, and the redemption process is similar. On this point, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> have no difference and are both winners!<\/p>\n<p>This points program is the most flexible in Canada, allowing&nbsp;:<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/?p=299437\">Apply Membership Rewards points<\/a> to any <strong>travel purchase<\/strong> on the card, as you wish (airline tickets, hotels, <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/airbnb\/\">Airbnb<\/a>, car rentals, etc.) <strong>1,000 points<\/strong> are required to reduce the card balance by <strong>$10<\/strong>.<\/li>\n<li>To use the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">American Express Fixed Points Travel<\/a> for certain airplane tickets. Redemption rate is<strong> 1,000 points = $20<\/strong><\/li>\n<li><a target=\"_blank\" href=\"\/?p=299437\">Use Membership Rewards points<\/a> on <strong>everyday purchases<\/strong> charged to the card. The redemption rate is <strong>1,000 points = $10<\/strong>.<\/li>\n<li>Transfer points to other rewards programs (<a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan,<\/a> <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/flying-blue\/\" target=\"_blank\" rel=\"noopener\">Air France KLM Flying Blue<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/british-airways-club\/\">British Airways Executive Club<\/a>, Delta Skymiles, Asia Miles, Etihad Guest, <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a>)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other Amex benefits (lounge access, Priority Pass, travel, etc.)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;other_amex_benefits_lounge_access_priority_pass_travel_etc_&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you benefit from the following advantages:<\/p>\n<ul>\n<li>Mobile Device Insurance<\/li>\n<li>Book with The Hotel Collection for upgrades and credits at unique hotels<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you benefit from the following advantages:<\/p>\n<ul>\n<li>$100 annual travel credit on American Express Online Travel Services (similar to the <a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/american-express-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$200 annual credit on the American Express Platinum Card<\/a>)<\/li>\n<li>4 free admissions to Plaza Premium airport lounges in Canada per year<\/li>\n<li>Statement credit $50 NEXUS membership fee<\/li>\n<li>Free subscription to Priority Pass (after that, admission is charged)<\/li>\n<li>Special benefits (upgrade and <a href=\"https:\/\/milesopedia.com\/en\/guide\/car-rental-second-driver\/\" target=\"_blank\" rel=\"noopener\">free additional driver<\/a>) for car rental at Hertz<\/li>\n<li>Book with The Hotel Collection for upgrades and credits at unique hotels<\/li>\n<li>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is made of metal<\/li>\n<li>And you can decide the color of your card! Do you prefer it in <strong>Gold or Rose Gold<\/strong>?<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Gold card with rewards&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_gold_card_with_rewards&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is designed for <strong>travelers<\/strong>.<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is more a card for everyday purchases, without.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Promotional Offers&#8221; el_id=&#8221;promotional_offers&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> both have <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">promotional offers<\/a>.<\/p>\n<p>American Express regularly offers savings to its cardholders. They are given on the basis of purchases from targeted retailers and according to each person&#8217;s purchasing profile:<\/p>\n<ul>\n<li>a discount (&#8220;Spend $100 or more and get a $30 credit&#8221;)<\/li>\n<li>bonus points (&#8220;Spend $50 and earn 1,000 bonus points&#8221;)<\/li>\n<li>a higher accumulation rate (&#8220;Earn 4 points per dollar, up to 4,000 bonus points&#8221;)<\/li>\n<\/ul>\n<p>There is no difference between the two cards. You may get certain offers on one card and not on the other, and vice versa.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"70999\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Travel insurance and other insurance&#8221; css=&#8221;&#8221; el_id=&#8221;travel_insurance_and_other_insurance&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 336px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-162053\" title=\"cobalt card\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png\" alt=\"cobalt card\" width=\"190\" height=\"121\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/08\/cobalt-card-200x127.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/08\/cobalt-card.png 480w\" sizes=\"auto, (max-width: 190px) 100vw, 190px\" \/><\/a><\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-167270\" title=\"american express gold rewards card\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"american express gold rewards card\" width=\"190\" height=\"120\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png 480w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express-450x285.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express-200x127.png 200w\" sizes=\"auto, (max-width: 190px) 100vw, 190px\" \/><\/a><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Trip Cancellation Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><strong>Up to $1,500<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Trip Interruption Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><strong>Up to $1,500<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.3333%; height: 48px;\">Out-of-Province\/Country Emergency Medical Insurance<\/td>\n<td style=\"width: 33.3333%; height: 48px;\">Up to $5,000,000<br \/>15 days<\/td>\n<td style=\"width: 33.3333%; height: 48px;\">Up to $5,000,000<br \/>15 days<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Flight delay insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<br \/>after 4 hours<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<br \/>after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Misdirected Baggage Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<br \/>after 6 hours<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<br \/>after 6 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Lost or stolen luggage insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Hotel Burglary Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Car Rental Theft and Damage Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $85,000<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $85,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Travel Accident Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">250&nbsp;000&nbsp;$<\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><strong>$500,000<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Purchase Protection Plan<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1 additional year<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1 additional year<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Buyer\u2019s Assurance Protection Plan<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $1,000<br \/>90 days<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $1,000<br \/>90 days<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Standby medical concierge service<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">Mobile Device Insurance<\/td>\n<td style=\"width: 33.3333%;\">Up to $1,000<\/td>\n<td style=\"width: 33.3333%;\">&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Gold card with rewards&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_gold_card_with_rewards&#8221;][vc_column_text]<\/p>\n<p>For travellers, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the best card for insurance purposes. The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> unfortunately does not offer trip cancellation and interruption insurance.<\/p>\n<p>However, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> offers an interesting insurance policy for mobile devices.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Amex Cobalt vs Amex Gold card comparison&#8221; css=&#8221;&#8221; el_id=&#8221;amex_cobalt_vs_amex_gold_card_comparison&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which Card is the winner?<\/p>\n<p>For people who travel from time to time: the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>with its travel benefits and insurance!<\/p>\n<p>For everyday shopping, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the best.<\/p>\n<p>There&#8217;s no reason why you can&#8217;t have both, for a good combination.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> stands out thanks to:<\/p>\n<ul>\n<li>Its <strong>unbeatable 5 X points accumulation rate<\/strong> in grocery stores, restaurants and bars<\/li>\n<li>To its mobile device insurance<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167271&#8243; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/milesopedia.com\/cartes-de-credit\/carte-or-american-express\/&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>MD<\/sup> Gold Rewards Card <\/a>stands out on:<\/p>\n<ul>\n<li>$100 annual travel credit<\/li>\n<li>Travel insurance<\/li>\n<li>Travel benefits (NEXUS credit, 4 free admissions per year to Plaza Premium airport lounges in Canada)<\/li>\n<li>Its beautiful Rose Gold card!<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620,22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"300666,162805,64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_toggle title=&#8221;Is Amex Cobalt or Amex Gold the best card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>For everyday purchases, the American Express Cobalt Card is the best, offering 5X points at grocery stores and restaurants.<\/p>\n<p>For those who travel a few times a year, the American Express<sup>&reg;<\/sup> Gold Rewards Card is the ideal choice, thanks to its access to airport lounges across Canada and its comprehensive travel insurance benefits.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of American Express Cobalt\u00ae Card and American Express\u00ae Gold Rewards 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