American Express Cobalt Card
American Express
- 5Membership Rewards points on eligible purchases
- 1Membership Rewards points on all other purchases
Earn 1,250 bonus points for each of the first 12 months you spend $750 on the card.
Earn 5x points on eligible purchases like groceries, restaurants, and food delivery, and 1x on everything else.
A key differentiator is its high rewards on everyday spending, particularly in food categories, making it a favorite for those who want to maximize their points on dining and groceries.
Pros:
- High rewards on food and dining
- Flexible redemption options
Cons:
- Monthly fee applies
- Requires understanding of point redemption
The American Express Cobalt Card is well-suited for individuals who frequently spend on dining and groceries, offering a high rewards rate in these categories. With its annual fee and structured rewards system, it may appeal primarily to those who can leverage the card's benefits to offset the cost while maximizing their Membership Rewards points.