{"id":421959,"date":"2025-05-19T07:48:00","date_gmt":"2025-05-19T11:48:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=421959"},"modified":"2025-10-08T10:09:53","modified_gmt":"2025-10-08T14:09:53","slug":"amex-cobalt-partners-transfer","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/amex-cobalt-partners-transfer\/","title":{"rendered":"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines"},"content":{"rendered":"

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The American Express Cobalt®<\/sup> Card<\/a> is a popular credit card because it earns 5X American Express Membership Rewards points on everyday expenses such as groceries and restaurants. Then, if you’re adept at the gift card strategy<\/a>, you can extend that 5X multiplier on many other everyday expenses<\/a> like gas, kids’ clothes, subscription services like Netflix, SAQ purchases, etc.<\/p>\n

It’s a card that’s indispensable to any strategy, especially when it comes to travel. In fact, the ®<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt®<\/sup> Card<\/a> has a central role to play, since its Membership Rewards points can be transferred<\/a> to numerous loyalty programs, and can be used against any expense charged to the account<\/a>.<\/p>\n

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American Express Canada’s transfer partners and ratios are as follows:<\/p>\n

[\/vc_column_text][vc_column_text css=””]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
PARTNER<\/strong><\/td>\nRATIO<\/strong><\/td>\n<\/tr>\n<\/thead>\n
Air Canada – Aeroplan<\/a><\/td>\n1:1<\/td>\n<\/tr>\n
Air France KLM – Flying Blue<\/a><\/td>\n1:0,75<\/td>\n<\/tr>\n
British Airways Executive Club<\/a><\/td>\n1:1<\/td>\n<\/tr>\n
Delta Skymiles<\/a><\/td>\n1:0,75<\/td>\n<\/tr>\n
Cathay Pacific Asia Miles<\/a><\/td>\n1:0,75<\/td>\n<\/tr>\n
Etihad Guest<\/td>\n1:0,75<\/td>\n<\/tr>\n
Marriott Bonvoy<\/a><\/td>\n1:1,2<\/td>\n<\/tr>\n
Hilton Honors<\/a><\/td>\n1:1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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As you can see, Membership Rewards points can be transferred<\/a> to six airline programs and two hotel programs.<\/p>\n

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<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=”Collecting Points With The American Express Cobalt Card” font_container=”tag:h3|text_align:left” css=”” el_id=”collecting_points_with_the_american_express_cobalt_card”][vc_column_text css=””]<\/p>\n

By using an ®<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express CobaltMD<\/sup> Card<\/a> on everyday expenses and accumulating 5X points that can be transferred, this translates to the following:<\/p>\n

[\/vc_column_text][vc_column_text css=””]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
PARTNER<\/strong><\/td>\nACCUMULATION<\/strong><\/td>\n<\/tr>\n<\/thead>\n
Air Canada – Aeroplan<\/a><\/td>\n5X<\/td>\n<\/tr>\n
Air France-KLM-Flying Blue<\/a><\/td>\n3,75X<\/td>\n<\/tr>\n
British Airways Executive Club<\/a><\/td>\n5X<\/td>\n<\/tr>\n
Delta Skymiles<\/a><\/td>\n3,75X<\/td>\n<\/tr>\n
Cathay Pacific Asia Miles<\/a><\/td>\n3,75X<\/td>\n<\/tr>\n
Etihad Guest<\/td>\n3,75X<\/td>\n<\/tr>\n
Marriott Bonvoy<\/a><\/td>\n6X<\/td>\n<\/tr>\n
Hilton Honors<\/a><\/td>\n5X<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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In fact, you can earn the equivalent of 5 Aeroplan and 6 Marriott Bonvoy points per dollar spent at the grocery store. This is totally unbeatable, even with cards co-branded with these loyalty programs; Aeroplan credit cards<\/a> give only 1X and 1.5X per dollar for your groceries. Similarly, Marriott credit cards<\/a> only give 2X points at the grocery store, and the same goes for other programs with co-branded credit cards in Canada.<\/p>\n

[\/vc_column_text][vc_custom_heading text=”Transfer Promotions” font_container=”tag:h3|text_align:left” css=”” el_id=”transfer_promotions”][vc_column_text css=””]<\/p>\n

Plus, once or twice a year, there’s a promotion offering a 30% bonus when transferring<\/a> Membership Rewards points to Marriott Bonvoy. This means you’ll earn 7.8X Marriott Bonvoy points per dollar on current spending if you wait for these promotions before transferring.<\/p>\n

For transfers to Aeroplan, promotions are almost non-existent.<\/p>\n

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There is no card as generous as the ®<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt®<\/sup> Card<\/a> when it comes to accumulating points (airline or transferable to airline programs) on organic spending, even when compared to the US market. Indeed, there are a few cards that can stand up to it with their 4X and 5X, but it’s important to remember that these multipliers are per US dollar, since these are American credit cards<\/a>.<\/p>\n

In fact, in the U.S., they accumulate between 2.85X and 3.65X<\/strong> points per Canadian dollar on their grocery stores, depending on the current exchange rate. So the grass isn’t necessarily greener next door.<\/p>\n

[\/vc_column_text][vc_custom_heading text=”Transfer Partners In The United States” font_container=”tag:h3|text_align:left” css=”” el_id=”transfer_partners_in_the_united_states”][vc_column_text css=””]<\/p>\n

Although the accumulation rates for everyday spending are not as high south of the border, they have access to many more transfer partners. In fact, there are numerous loyalty programs that are not accessible with transferable points from Canada but are available in the United States.<\/p>\n

But is it worth signing up for a U.S. credit card just to gain access to these programs?<\/p>\n

At first glance, it might seem appealing to have the opportunity to transfer to a wider range of partners, but there is still a significant cost to subscribing to an American credit card<\/a> that offers a high multiplier on grocery spending. Indeed, it’s important to remember that these credit cards come with annual fees, and the high multipliers are sometimes only applicable in the United States. For example, the American Express Gold Card offers 4X Membership Rewards points per US dollar on grocery spending only within the country and 4X points on restaurants worldwide, but the annual fee is $325 USD.<\/p>\n

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There is, however, a strategy for accessing a wider range of partners while remaining within the Canadian Membership Rewards ecosystem.<\/p>\n

It is possible to transfer Membership Rewards points into Marriott Bonvoy points. Marriott points can then be transferred to a very large number of airline partners. In general, transferring Membership Rewards points to Marriott Bonvoy and then converting them into airline miles<\/a> may seem like an appealing idea, but this approach usually results in a significant loss of value.<\/p>\n

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If you transfer 25,000 Membership Rewards points directly to Aeroplan, you will receive 25,000 Aeroplan points<\/strong>.<\/p>\n

If you transfer them first to Marriott Bonvoy and then to Aeroplan, you’ll earn just 10,000 Aeroplan points<\/strong>.<\/p>\n

[\/vc_column_text][vc_column_text css=””]<\/p>\n\n\n\n\n\n\n\n
Membership Reward Points<\/td>\nAirline points (direct transfer)<\/td>\nMarriott Bonvoy points<\/td>\nAirline points via Marriott Bonvoy<\/td>\nTotal ratio (Airline Rewards > )<\/td>\n<\/tr>\n<\/thead>\n
25K<\/td>\n25K (1:1)<\/td>\n30K (1 : 1,2)<\/td>\n10K (3:1)<\/td>\n1 : 0,4<\/td>\n<\/tr>\n
50K<\/td>\n50K (1:1)<\/td>\n60K (1 : 1,2)<\/td>\n25K (3:1)*<\/td>\n1 : 0,5<\/td>\n<\/tr>\n
38.5K<\/td>\n38.5K (1:1)<\/td>\n60K (1 : 1,56)**<\/td>\n25K (3:1)*<\/td>\n1 : 0,65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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* Marriott Bonvoy Bonus: When you transfer 60,000 Marriott Bonvoy points, an additional 5,000 airline points are added.<\/p>\n

** 30% transfer promotion to Marriott Bonvoy: This increases the ratio of Rewards points to Marriott Bonvoy to 1:1.56, but is ultimately disadvantageous.<\/p>\n

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Observation: even in the case of bonuses or promotions, transferring via Marriott Bonvoy results in a loss of value compared with direct transfer.<\/p>\n

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At first glance, one should never consider using Marriott Bonvoy as an intermediary for transferring when you have Membership Rewards points and need airline points like Aeroplan or Avios, which are accessible through a direct transfer.<\/p>\n

On the other hand, an indirect transfer (via Marriott Bonvoy) may be justified if:<\/p>\n