CA
American Express Cobalt® Credit Card review: great perks for daily purchases
Do you like to get rewarded for your everyday spending? Read our American Express Cobalt® Card review to see all the benefits you can get with this card, from dining to travel and more!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
American Express Cobalt® Card: earn rewards while making your everyday purchases!
If you’re looking for a rewards credit card that offers great perks for everyday purchases, read our American Express Cobalt® Credit Card review! You’ll learn about its impressive benefits and much more!
Learn how to apply: American Express Cobalt® Card
If you're interested in getting all the dining and travel perks of the Amex Cobalt® card, you need to read our post about the American Express Cobalt® Card application!
| Credit Score | Good to excellent. |
| APR | 20.99% variable rate for purchases; 21.99% variable rate for funds advances. Rates & Fees |
| Annual Fee | $12.99 per month for the basic card (the same as a $155.88 annual fee). Rates & Fees |
| Fees | $2.75 for each fund’s advance; $25 for each dishonored payment; $3 per statement reprint. Rates & Fees |
| Welcome bonus* | As a new Cobalt member, you’ll have the chance of earning 2,500 Membership Rewards® points for each billing cycle monthly when you spend $500 with your card (up to 30,000 Membership Rewards® points). *Terms Apply |
| Rewards* | 5x points on eats and drinks at qualifying restaurants or food delivery (valid for Canada); 3x points on qualifying streaming subscriptions (valid for Canada); 2x points on travel and transit (valid for Canada); 1x points on any other qualifying purchase; 1 additional point on qualifying travel-related purchases on Amex Travel Online (eligible hotel or car rental). *Terms Apply |
This Amex card comes with a monthly fee that can be worth it. You’ll find generous rewards rates on eligible purchases for dining at restaurants and food delivery!
So, if you’re looking for a credit card that can help you earn money while spending on your daily purchases, keep reading our American Express Cobalt® Card review to learn more about this Amex card!
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How does the American Express Cobalt® Card work?
With the American Express Cobalt® Card, you can use your points to pay for almost anything in your daily life. You can earn points for purchases related to eligible eats and drinks and even travel and transit!
Also, if you love to watch your favorite movies and TV shows to relax, you can earn points too! There is a 3x points rewards rate for qualifying streaming subscriptions in Canada!
You can even earn points for transit and travel with qualifying rideshares in Canada! Moreover, you’ll find rewards for other types of purchases with a rate of 1 point!
American Express Cobalt® Card benefits
We all know that Amex has some of the most incredible credit cards out there on the market. It’s no different with the Cobalt® Card!
You can find all the perks we mentioned and even 1 additional point for purchases related to Amex Travel Online! So, you’ll be able to find eligible hotels or car rentals to earn points while spending!
Pros
- The rewards rate can be very high and worth it;
- You can earn Membership Rewards® points for everyday purchases;
- There are travel coverage, mobile coverage, and more!
Cons
- The monthly fee can be relatively high;
- You’ll need a very high credit score to qualify.
How good does your credit score need to be?
As with most Amex credit cards, you’ll need a high credit score to qualify, such as a good or excellent score.
How to apply for the American Express Cobalt® Card?
You’ll need to go to the official Amex website and look for the card you need. From then, you can easily submit your info and get a response in as little as 60 seconds!
We’ve made an article about the application process to help you go through it. You can read it by clicking on the following content.
How to get the American Express Cobalt® Card?
If you're interested in getting all the dining and travel perks of the Amex Cobalt® card, you need to read our post about the American Express Cobalt® Card application!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
About the author / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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