{"id":64086,"date":"2025-12-20T08:30:00","date_gmt":"2025-12-20T13:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/card-cobalt-american-express\/"},"modified":"2025-11-05T16:03:07","modified_gmt":"2025-11-05T21:03:07","slug":"cobalt-card-best-card-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/cobalt-card-best-card-canada\/","title":{"rendered":"Why the American Express Cobalt Card is one of the best credit cards in Canada"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Our Review of the Amex Cobalt in Canada&#8221; css=&#8221;&#8221; el_id=&#8221;our_review_of_the_amex_cobalt_in_canada&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> <strong>does not require<\/strong> a minimum income. That doesn&#8217;t stop it from having many advantages:<\/p>\n<ul>\n<li><a href=\"#offre\">An impressive welcome offer<\/a><\/li>\n<li><a href=\"#points\">Up to 5 points per dollar in Canada<\/a><\/li>\n<li><a href=\"#utilisation\">Flexible rewards: travel, points transfer, cashback<\/a><\/li>\n<li><a href=\"#promos\">American Express Promotional Offers<\/a><\/li>\n<li><a href=\"#assurances\">Travel insurance<\/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='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;offer&#8221;][vc_column][vc_custom_heading text=&#8221;Amex Cobalt Welcome Offer Points&#8221; css=&#8221;&#8221; el_id=&#8221;amex_cobalt_welcome_offer_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The welcome bonus is split monthly <strong>for the first 12 months<\/strong>. You&#8217;ll earn <strong>1,250 Membership Rewards points for every $750 in purchases<\/strong> charged to your card during the month (whether in the 1X, 2X, 3X or 5X category).<\/p>\n<p>For the monthly welcome bonus, it&#8217;s best to make eligible purchases at stores offering 5 points per dollar:<\/p>\n<ul>\n<li>1,250 points for the monthly welcome bonus<\/li>\n<li>3,750 points for purchases in a category with 5 points per $.<\/li>\n<\/ul>\n<p><strong>That&#8217;s a minimum return of 6.7%<\/strong> for the first 12 months on each of your first $750 in purchases in 5-point-per-dollar categories like groceries.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;58374&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here&#8217;s how you can earn <strong>60,000 points<\/strong> in your first year by optimizing your purchases in the 5 points-per-dollar categories:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 336px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; height: 24px; text-align: center;\">Month<\/td>\n<td style=\"width: 11.072144288577153%; height: 24px; text-align: center;\">Purchases<\/td>\n<td style=\"width: 15.7815631262525%; height: 24px; text-align: center;\">5x Categories<\/td>\n<td style=\"width: 18.111222444889783%; height: 24px; text-align: center;\">Bonus<\/td>\n<td style=\"width: 26.189879759519037%; height: 24px; text-align: center;\">Total<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">1<\/span><\/td>\n<td style=\"width: 11.072144288577153%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">2<\/span><\/td>\n<td style=\"width: 11.072144288577153%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">3<\/span><\/td>\n<td style=\"width: 11.072144288577153%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; height: 24px; text-align: center;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">4<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">6<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">7<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">8<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">9<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">10<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">11<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">12<\/span><\/td>\n<td style=\"width: 11.072144288577153%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">$750<\/span><\/td>\n<td style=\"width: 15.7815631262525%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">3,750 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">1,250 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; text-align: center; height: 24px;\"><span style=\"font-size: 10pt;\">5,000 points<\/span><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 12.374749498997998%; height: 24px; text-align: center;\"><span style=\"font-size: 12pt;\">Total<\/span><\/td>\n<td style=\"width: 11.072144288577153%; height: 24px; text-align: center;\"><span style=\"font-size: 12pt;\">$9,000<\/span><\/td>\n<td style=\"width: 15.7815631262525%; height: 24px; text-align: center;\"><span style=\"font-size: 12pt;\">45,000 points<\/span><\/td>\n<td style=\"width: 18.111222444889783%; height: 24px; text-align: center;\"><span style=\"font-size: 12pt;\">15,000 points<\/span><\/td>\n<td style=\"width: 26.189879759519037%; height: 24px; text-align: center;\"><span style=\"font-size: 12pt;\"><strong>60,000 points<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>60,000 points for $9,000 in purchases over 12 months, that&#8217;s a <strong>minimum return of 6.7%<\/strong> if you use your points for a Statement credit on any purchase. <strong>That&#8217;s a value of $600<\/strong>!<\/p>\n<p>If you remove the cost of the card fee ($12.99 per month or $155.88 over 12 months), you have a <strong>net worth of approximately $444 in the first year!<\/strong><\/p>\n<p>One way to do this is through your grocery shopping. And if you don\u2019t have $500 to $1,000 worth of groceries a month, the trick is to buy <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/5-points-stores\/\">gift cards<\/a> for other stores you frequent regularly, such as Amazon, SAQ, GAP, Old Navy, etc. Another way to accumulate <strong> 5x points<\/strong> for these eligible purchases.<\/p>\n<p>[\/vc_column_text][vc_message]<\/p>\n<h6>Tip<\/h6>\n<p>In the early days, we advise you to quickly charge $750 to your <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> in order to earn the <strong>1,250 Membership Rewards points bonus<\/strong> to your account, as often the first month is not complete in order to synchronize your statement date.<\/p>\n<p>[\/vc_message][vc_single_image image=&#8221;63155&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Monthly or Annual Fee&#8221; css=&#8221;&#8221; el_id=&#8221;monthly_or_annual_fee&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Thus, the monthly fee for the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is $15.99. For Quebec residents, the fees are $191.88 and are paid once a year, as per the law.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;points&#8221;][vc_column][vc_custom_heading text=&#8221;Earn Rewards at a Fast Pace&#8221; el_id=&#8221;earn_rewards_at_a_fast_pace&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With the <a title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>between 1 and 5 points per dollar<\/strong>:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 216px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Category<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">Points per dollar<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Grocery<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">5<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Food delivery<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">5<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Restaurants and Bars<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">5<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Convenience stores<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">Streaming subscriptions<\/td>\n<td style=\"width: 50%; text-align: center;\">3<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Gas station<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">2<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Transportation<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">2<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Travel<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">1<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Other<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>To maximize the use of your card, you can purchase gift cards (Amazon, SAQ, Netflix, etc.) at grocery stores or Couche-Tard convenience stores. You will get 5x the points for these purchases.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_single_image image=&#8221;63155&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;5X Points on Groceries with the Amex Cobalt&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;5x_points_on_groceries_with_the_amex_cobalt&#8221;][vc_column_text]With the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express CobaltMD Card<\/a>, you earn <strong>5 points<\/strong> for every dollar spent on groceries.<\/p>\n<p>For example, here is a $226.12 grocery invoice at Super C, where I earned <strong>1,131 Membership Rewards Points:<\/strong>[\/vc_column_text][vc_single_image image=&#8221;35442&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text]And don\u2019t forget: grocery stores are a great place to find <a href=\"https:\/\/milesopedia.com\/guides\/cartes-cadeaux\/\">gift cards<\/a>!<\/p>\n<p>Here, for example, is a $250 purchase of SAQ <strong>gift cards<\/strong> I made on my <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express CobaltMD Card<\/a> at a M\u00e9tro grocery store, right next to an SAQ D\u00e9p\u00f4t branch:[\/vc_column_text][vc_single_image image=&#8221;60009&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text]So when I bought SAQ gift cards in grocery stores, I earned<strong> 5 points per dollar for the SAQ!<\/strong>[\/vc_column_text][vc_single_image image=&#8221;83404&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;5 Points per Dollar on Convenience Stores Purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;5_points_per_dollar_on_convenience_stores_purchases&#8221;][vc_column_text]With the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you earn <strong>5 points per dollar at convenience stores<\/strong> (Couche-Tard in Quebec, Macs-Circle K \/ 7-eleven elsewhere in Canada).<\/p>\n<p>It\u2019s great because convenience stores sell a lot of <a href=\"https:\/\/milesopedia.com\/guides\/cartes-cadeaux\/\">gift cards<\/a>. So you can earn <strong>5 points per dollar<\/strong> at many other stores!<\/p>\n<p>Here, for example, is the purchase of a $200 Amazon.ca gift card that earned 1,000 Membership Rewards points:[\/vc_column_text][vc_single_image image=&#8221;60010&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_single_image image=&#8221;70939&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;5X Points at Restaurants and Bars&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;5x_points_at_restaurants_and_bars&#8221;][vc_column_text]Also, with the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express CobaltMD Card<\/a>, you get <strong>5 points<\/strong> per dollar at restaurants and bars.<\/p>\n<p>Here, for example, is a series of restaurants, grocery stores and bars on our <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express CobaltMD Card<\/a>:[\/vc_column_text][vc_single_image image=&#8221;60015&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_column_text]With all these purchases, I earned 5 points per dollar![\/vc_column_text][vc_single_image image=&#8221;48274&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;5 Points per Dollar on Food Delivery&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;5_points_per_dollar_on_food_delivery&#8221;][vc_column_text]We&#8217;re big fans of home food delivery with platforms like <strong>Uber Eats<\/strong> or <strong>GoodFood<\/strong>! Here too, with the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you get <strong>5 points per dollar for home food delivery!<\/strong><\/p>\n<p>Here are two purchases:<\/p>\n<ul>\n<li>Uber Eats for $42.64 (213 Membership Rewards Points)<\/li>\n<li><a class=\"thirstylink\" title=\"GoodFood\" href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-travel-credit-card-offers\/attachment\/goodfood\/\">GoodFood<\/a> for $90.00 (450 Membership Rewards Points)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;60012&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_message color=&#8221;success&#8221; message_box_color=&#8221;success&#8221; icon_fontawesome=&#8221;fas fa-check&#8221;]<\/p>\n<h6>Uber<\/h6>\n<p>Most <strong>Uber trips<\/strong> also move into the 5 points per dollar category instead of 2 points![\/vc_message][vc_column_text]<\/p>\n<p>There used to be an annual limit of $30,000 on purchases eligible for the 5X multiplier, which has now been changed to a limit of <a href=\"https:\/\/milesopedia.com\/en\/news\/cobalt-american-express-cap-5x-multiplier\/\">$2,500 per month<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Between 1 and 2 Points per Dollar Everywhere Else&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;between_1_and_2_points_per_dollar_everywhere_else&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you earn <strong>2 points per dollar<\/strong> on all your purchases:<\/p>\n<ul>\n<li>at service stations (Shell, Petro-Canada, etc.)<\/li>\n<li>local transport (cabs, commuter trains, etc.)<\/li>\n<\/ul>\n<p>Outside of all the above categories, with the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you earn <strong>1 point per dollar<\/strong>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/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='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=\"393549\"\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;Flexible Membership Rewards Points!&#8221; el_id=&#8221;flexible_membership_rewards_points_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>It&#8217;s not enough to accumulate <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Privilege Points<\/a> quickly, you also have to be able to use them.<\/p>\n<p>Here are the best uses for your <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Membership Rewards points<\/a> earned with your <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Redeem Membership Rewards Points on Travel Purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeem_membership_rewards_points_on_travel_purchases&#8221;][vc_column_text]It&#8217;s the easiest way to use <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> Membership Rewards points:<\/p>\n<ol>\n<li><strong>You charge a trip to your card<\/strong>: flights, hotels, Airbnb, car rental, etc.<\/li>\n<li><strong>You redeem your points on this purchase:<\/strong> 1,000 points = $10<\/li>\n<\/ol>\n<p>Here are two examples of travel companies without loyalty program, <strong>Air Transat<\/strong> and <strong>Airbnb:<\/strong>[\/vc_column_text][vc_single_image image=&#8221;35484&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_single_image image=&#8221;49473&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeem Membership Rewards Points on Everyday Purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeem_membership_rewards_points_on_everyday_purchases&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here, the principle is the same as for travel purchases&#8230; except that it applies to everyday purchases:<\/p>\n<ol>\n<li><strong>You buy something <\/strong>with your <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/li>\n<li><strong>You redeem your points on this purchase<\/strong>: 1,000 points = $10<\/li>\n<\/ol>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeem Membership Rewards Points through American Express Fixed Points Travel&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeem_membership_rewards_points_through_american_express_fixed_points_travel&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here, it&#8217;s simply <strong>THE best use of<\/strong> <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-cobalt-american-express-visa-infinite-td-aeroplan\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> Membership Rewards points:<\/p>\n<ol>\n<li><strong>Connect to the American Express travel portal<\/strong><\/li>\n<li><strong>You book some flights at fixed-points pricing:<\/strong> 15,000 points = $300!<\/li>\n<\/ol>\n<p>But this only<strong> applies to specific flights:<\/strong><\/p>\n<div class=\"mceTemp\"> <\/div>\n<p>[\/vc_column_text][vc_single_image image=&#8221;50567&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Transfer Membership Rewards Points to Marriott Bonvoy&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;transfer_membership_rewards_points_to_marriott_bonvoy&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here, it&#8217;s aimed at those who want to earn <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> points towards a stay at <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-map-hotels-marriott-bonvoy\/\">one of the group&#8217;s 9,000+ hotels<\/a>:<\/p>\n<ol>\n<li><strong>You log on to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards transfer portal<\/a><\/strong><\/li>\n<li><strong>You transfer your <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Membership Rewards points<\/a> into <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy <\/a> points<\/strong>at a rate of 1:1.2<strong>(or 5:6 <\/strong>if you prefer).<\/li>\n<li>Book your hotel directly <strong>with your Marriott Bonvoy account<\/strong><\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_single_image image=&#8221;60023&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221;][vc_column_text]This is a great way to earn <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> points, especially when you have exhausted other solutions like with <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/#cartes\">Marriott Bonvoy credit cards<\/a> bonuses![\/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=\"125811\"\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_text css=&#8221;&#8221;]<\/p>\n<p>That&#8217;s why we rank the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> alongside <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/#cartes\">Marriott Bonvoy cards<\/a> for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">earning Marriott Bonvoy points<\/a>!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='3'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare 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=\"267909,22624\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Transfer of Membership Rewards Points to Aeroplan, British Airways Executive Club, etc.&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;transfer_of_membership_rewards_points_to_aeroplan_british_airways_executive_club_etc_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This is for those who want to earn Aeroplan points or Avios miles when booking flights with our partner airlines:<\/p>\n<ol>\n<li>You log on to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards transfer portal<\/a><\/li>\n<li>You transfer your <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Membership Rewards points<\/a> to <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/aeroplan\/\">Aeroplan<\/a> points or Avios miles at a 1:1 ratio<\/li>\n<li>You book your flight directly via your Aeroplan or British Airways Club account<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_single_image image=&#8221;60606&#8243; img_size=&#8221;large&#8221; add_caption=&#8221;yes&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Transfer Marriott Bonvoy Points to Airline Programs&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;transfer_marriott_bonvoy_points_to_airline_programs&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here, you use the <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> program as <strong>leverage to collect airline program miles<\/strong> via your <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/p>\n<p>So this is for those who want to earn Flying Blue, Alaska Airlines, Avios miles with purchases made on their <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-card-cobalt-vs-gold-american-express\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>:<\/p>\n<ol>\n<li><strong>You log on to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards transfer portal<\/a><\/strong><\/li>\n<li><strong>You transfer your <a href=\"https:\/\/milesopedia.com\/programme-fidelite\/points-privileges-american-express\/\">Membership Rewards points<\/a> into <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy <\/a> points<\/strong>at a rate of 1:1.2<strong>(or 5:6 <\/strong>if you prefer).<\/li>\n<li><strong>Transfer your <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> points into airline miles <\/strong>at a rate of 3:1<strong>(or 2.4:1 <\/strong>when transferring in increments of 60,000 Marriott Bonvoy points).<\/li>\n<li>You book your airline reward directly within the airline program<\/li>\n<\/ol>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, with every purchase on your <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> <strong>in a 5 points-per-dollar category<\/strong>, you earn <strong>6 Marriott points\/$<\/strong> or <strong>2 Flying Blue &#8211; Alaska miles per dollar<\/strong>!<\/p>\n<p>And it can be much more than that:<\/p>\n<ul>\n<li>When transferring your Marriott Bonvoy points in 60,000 increments: you get <strong>5,000 bonus miles<\/strong> (so 60,000 points = 25,000 miles)<\/li>\n<li>Initiating this transfer during a <a target=\"_blank\" href=\"\/?p=10978\">conversion bonus<\/a> period such as those offered 3 or 4 times a year by airline programs (25 to 35% bonus).<\/li>\n<\/ul>\n<p>That&#8217;s why we think the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-card-cobalt-american-express-vs-world-elite-mastercard-national-bank\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>MD<\/sup> Card<\/a> is <strong>one of the best credit cards in Canada<\/strong>!<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;promos&#8221;][vc_column][vc_custom_heading text=&#8221;Numerous promotions throughout the year&#8221; el_id=&#8221;numerous_promotions_throughout_the_year&#8221;][vc_column_text]Throughout the year, American Express <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/american-express-offers\/\">offers promotional offers<\/a> to <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> holders.[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Here are three recent examples:<\/p>\n<table style=\"width: 100%; height: 192px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: center; width: 52.1392%; height: 24px;\"><strong>Promotion<\/strong><\/td>\n<td style=\"text-align: center; width: 47.2806%; height: 24px;\"><strong>Value<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 52.1392%; text-align: center; height: 48px;\"><a target=\"_blank\" href=\"\/?p=10478\">2,000 Membership Rewards Points <\/a><br \/><a target=\"_blank\" href=\"\/?p=10478\">after $75 in gas station purchases<\/a><\/td>\n<td style=\"width: 47.2806%; text-align: center; height: 48px;\">$20<\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 52.1392%; text-align: center; height: 48px;\"><a target=\"_blank\" href=\"\/?p=10014\">Receive $5 after $5 purchases <\/a><br \/><a target=\"_blank\" href=\"\/?p=10014\">from Shop Small merchants<\/a><\/td>\n<td style=\"width: 47.2806%; text-align: center; height: 48px;\">$25<\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 52.1392%; text-align: center; height: 48px;\"><a href=\"\/?p=8864#_a_combiner_avec_celle_de_la_Carte_Cobalt\">Receive 10 points per dollar<\/a><br \/><a href=\"\/?p=8864#_a_combiner_avec_celle_de_la_Carte_Cobalt\">on Amazon.ca<\/a><\/td>\n<td style=\"width: 47.2806%; text-align: center; height: 48px;\">$50<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 52.1392%; text-align: center; height: 24px;\"><strong>TOTAL<\/strong><\/td>\n<td style=\"width: 47.2806%; text-align: center; height: 24px;\"><strong>$95<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Up to $95 easily accumulated<\/strong>, enough to offset the monthly or annual fees.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Cobalt Card Travel Insurance&#8221; css=&#8221;&#8221; el_id=&#8221;cobalt_card_travel_insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you&#8217;ll benefit from a number of attractive insurances, <strong>especially for a card costing just $12.99 a month.<\/strong><\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Mobile Device Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;mobile_device_insurance&#8221;][vc_column_text]You are covered for $1,000 for your mobile devices.[\/vc_column_text][vc_custom_heading text=&#8221;Rental Car Loss and Damage Insurance with the American Express Cobalt<sup>&reg;<\/sup> Card&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;rental_car_loss_and_damage_insurance_with_the_american_express_cobalt_card&#8221;][vc_column_text]Save when you travel with the <strong>flight and damage Insurance for rental cars <\/strong>included with your Card This insurance provides compensation for theft, loss and damage up to the market value of the rental car <strong>with a maximum MSRP of $85,000<\/strong> depending on the year of the model.<\/p>\n<p>To take advantage of this benefit, simply decline the loss\/damage coverage or similar option offered by the rental company and charge the entire rental to your Card. There\u2019s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.[\/vc_column_text][vc_custom_heading text=&#8221;Baggage Delay Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;baggage_delay_insurance&#8221;][vc_column_text]Having booked your flight with your Card, <strong>you can receive up to $500<\/strong> (maximum in combination with Flight Delay Insurance) for any necessary and reasonable everyday purchases of clothing and minor items deemed essential that you make <strong>within four days<\/strong>, if your baggage is not returned to you within <strong>six hours<\/strong> of arriving at your departure flight destination.[\/vc_column_text][vc_custom_heading text=&#8221;Lost or Stolen Baggage Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;lost_or_stolen_baggage_insurance&#8221;][vc_column_text]If you charge the full cost of your airline ticket to your Card, you are covered for loss or damage to your personal effects, carry-on baggage or checked baggage while traveling, up to a combined <strong>maximum of $500 per trip<\/strong> .[\/vc_column_text][vc_custom_heading text=&#8221;Flight Delay Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;flight_delay_insurance&#8221;][vc_column_text]Charge your airline tickets to your Card and receive <strong>up to $500<\/strong> (maximum in combination with Baggage Delay Insurance) <strong>for reasonable and necessary<\/strong> hotel, motel, restaurant or incidental <strong>expenses incurred within 48 hours<\/strong> if your flight is delayed or you are denied boarding <strong>for four hours or more<\/strong> without alternate transportation.[\/vc_column_text][vc_custom_heading text=&#8221;$250,000 Travel Accident Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;_250_000_travel_accident_insurance&#8221;][vc_column_text]Travel Accident Insurance provides automatic coverage of up to <strong>$250,000 for accidental death and dismemberment<\/strong> for you, your spouse and dependent children under age 23 when you travel on a common carrier (plane, train, boat or bus) and charge the full cost of all tickets to your Card. Supplementary Cardholders, their spouses and dependent children under 23 are also covered.[\/vc_column_text][vc_custom_heading text=&#8221;Hotel\/Motel Burglary Insurance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;hotel_motel_burglary_insurance&#8221;][vc_column_text]Simply pay for your hotel or motel room with your card and you will receive coverage of <strong>up to $500<\/strong> in case of loss of most personal belongings in the event of a burglary at your hotel or motel room.[\/vc_column_text][vc_custom_heading text=&#8221;Buyer\u2019s Assurance Protection Plan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;buyer_s_assurance_protection_plan&#8221;][vc_column_text]Eligible items purchased on your card may be insured for a period of <strong>90 days<\/strong> from the date of purchase against accidental property damage and theft <strong>up to a maximum of $1,000<\/strong> per claim (all items purchased combined).[\/vc_column_text][vc_custom_heading text=&#8221;Buyer\u2019s Assurance<sup>&reg;<\/sup> Protection Plan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;buyer_s_assurance_protection_plan&#8221;][vc_column_text]Your protection can automatically extend the original manufacturer&#8217;s warranty by up to <strong>one additional year<\/strong> when you charge the full amount of eligible items to your Card.<\/p>\n<p>If you need to consult the insurance booklet, <a target=\"_blank\" href=\"https:\/\/www.insurance.americanexpress.com\/ca\/files\/2017\/12\/16051-Cobalt-Cert-F-Au08.pdf\">it can be found at this link.<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;The favorite of our Milesopedia community!&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;the_favorite_of_our_milesopedia_community_&#8221;][vc_column_text]<\/p>\n<p>On March 14, 2022, we took a poll in our <a href=\"https:\/\/www.facebook.com\/groups\/milesopedia\" target=\"_blank\" rel=\"noopener\">Facebook group<\/a>.<\/p>\n<p><strong>95% of respondents<\/strong> clearly preferred the American Express Cobalt card, and that it\u2019s <a target=\"_blank\" href=\"\/?p=276541\">worth it in the long run<\/a>. Here\u2019s further proof that it really is the best, both on paper and in \u201creal life\u201d.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;200908&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Video&#8221; css=&#8221;&#8221; el_id=&#8221;video&#8221;][vc_video link=&#8221;https:\/\/youtube.com\/shorts\/N90POLMcD9U&#8221; el_aspect=&#8221;916&#8243; align=&#8221;center&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Our Review: Benefits of the Amex Cobalt Credit Card in Canada&#8221; css=&#8221;&#8221; el_id=&#8221;our_review_benefits_of_the_amex_cobalt_credit_card_in_canada&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is one of our favorite cards for all the <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/4-reasons-cobalt-wallet\/\" target=\"_blank\" rel=\"noopener\">reasons<\/a> mentioned above.<\/p>\n<p>Every time someone asks &#8220;which credit card to sign up for&#8221; <a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\">in the Facebook group<\/a>, many enthusiastic members arrive to talk about the virtues of <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>!<\/p>\n<p><strong><a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">You would like to apply for this Card while supporting milesopedia? Click here!<\/a> <\/strong><\/p>\n<p>Finally, with American Express <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/american-express-card-refusal\/\">becoming more cautious about accepting new applications<\/a>, this is one of the first cards to add to your portfolio.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text]<\/p>\n<p><em>This article was not sponsored. The views and <span class=\"il\">opinions<\/span> expressed in this article are purely my own.<\/em><\/p>\n<p><em>American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">Subscription <\/a>link. Terms and conditions apply.<\/em><\/p>\n<p><em>In France, <a href=\"\/?p=404068\" target=\"_blank\" rel=\"noopener\">American Express cards<\/a> are different.<\/em><\/p>\n<p>[\/vc_column_text][vc_toggle title=&#8221;Which stores accept American Express cards?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>An American Express credit card is accepted in many more stores than you might think!<\/p>\n<p>Read our article to find out where <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-cards-acceptance-canada-quebec\/\" target=\"_blank\" rel=\"noopener\">American Express is accepted in Canada and Quebec<\/a>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who can get an Amex card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>American Express cards are among the easiest to obtain, because their minimum income requirements are low. It can range from $0 annual income to $12,000. <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Is the Amex a credit card?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes! American Express offers both credit and charge cards. Here&#8217;s the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/difference-credit-and-charge-cards-american-express\/\" target=\"_blank\" rel=\"noopener\">difference between a credit card and a charge card with Amex<\/a>. <\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Does the Amex Cobalt Have a Foreign Transaction Fee?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Yes, and they are 2.5%.<\/p>\n<p>For the rare cards that don&#8217;t have them, consult our article on cards with no <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/forex\/\" target=\"_blank\" rel=\"noopener\">foreign transaction fees<\/a>.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Does the Amex Cobalt Provide free lounge access&nbsp;?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>No. Here are the credit cards that provide free access to <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/vip-airport-lounges-canada\/\" target=\"_blank\" rel=\"noopener\">airport lounges<\/a> worldwide.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Find out how you can use the American Express Cobalt card for travel, points transfer, cash back and more!<\/p>","protected":false},"author":2464,"featured_media":234358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45817],"tags":[],"mc_loyalty_program":[],"class_list":["post-64086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartes-credit","mc_issuer-american-express-canada-en","mc_market-all-of-canada","tutorial-american-express-en"],"acf":{"mc_approved_badge":false,"mc_card_used":22621,"mc_featured_card_specific":22621,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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