American Express
Earn 1-5x points on everyday purchases, access mobile device coverage, and enjoy flexible points redemption. $191.88 annual fee. Great for daily spending and travel rewards.
The American Express Cobalt Card in Canada stands out with its flexible points, accelerated rewards, and premium everyday perks. Cardholders earn 1x to 5x points on key daily spending—grocery, dining, transit, gas, and streaming services. The annual fee is $191.88, spread out monthly, making it manageable for many Canadians. Interest rates are 21.99% on purchases and 21.99% on cash advances. Eligibility typically requires a good credit score. The card’s introductory offer of up to 15,000 bonus points helps you earn fast from the get-go.
Como solicitar o cartão American Express Cobalt
- Check that your credit score is at least good (typically 660+).
- Review card details to ensure they fit your spending habits.
- Gather necessary documents, such as proof of income and identification.
- Visit the American Express application site online via the official provider.
- Fill in personal and financial details accurately and completely.
- Analise e envie sua solicitação para aprovação.
Vantagens do cartão American Express Cobalt
The highest reward rates are given for everyday categories Canadians love—spending at grocery stores, restaurants, and on transit all earn strong multipliers.
Points are redeemable for travel, statement credits, or transfers to loyalty partners like Aeroplan and British Airways Avios, giving unparalleled flexibility.
The card includes insurance perks like mobile device, travel accident, and rental car coverage—ideal for those who want protection with rewards.
Desvantagens do cartão American Express Cobalt
American Express isn’t accepted everywhere in Canada, especially at smaller stores compared to Visa or Mastercard.
The annual fee—though monthly—may add up for budget users unless they maximize rewards and benefits consistently.
Verdict: Who Is This Card For?
The American Express Cobalt Card is a top choice for Canadians who want daily rewards and flexible redemption options. It suits frequent spenders on groceries, restaurants, and travel.
If your budget supports a moderate annual fee and you value flexibility, perks, and solid insurance, this card is worth strong consideration. Make sure to check acceptance at your favourite retailers.
