American Express Cobalt Card 2026 Review

American Express Cobalt Card4.2/5

American Express

Annual fee
CA$191.88
Rewards rate
5%-1%
Welcome Bonus
CA$15,000
Apply Now →on American Express's website

  • 5Points on eligible eats and drinks
  • 3Points on eligible streaming subscriptions

Welcome Bonus:

Earn up to 15,000 Membership Rewards points by spending CA$750 in net purchases each month for the first year.

Reward Rate:

Accelerated points collection in the 'eats and drinks' category.

The American Express Cobalt Card is widely regarded as one of the most rewarding credit cards in Canada, particularly for those who frequently dine out. Its exceptional points earning potential and flexible redemption options make it a standout choice for food lovers and travelers alike.

Pros:

  • High points multiplier on dining
  • Flexible redemption options

Cons:

  • Monthly fee
  • Limited to specific categories
Apply now →

The American Express Cobalt Card is particularly suitable for individuals who dine out frequently and seek to maximize their rewards through a robust points earning structure. With its moderate annual fee and generous welcome bonus, it may appeal to both food enthusiasts and travelers looking for flexible redemption options.

Frequently Asked Questions

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