American Express Cobalt® Card
Annual fee
CA$192
Welcome bonus
15,000
points
Est. 12-mo value
CA$101
bonus × ¢/pt − fee
Base ¢/pt
1.95
up to 5.0¢ sweet spot
Foreign txn
2.5%
Benefits
6 / 10
// 15,000 pts × 1.95¢ CAD − $191.88 fee = CA$101
Welcome Offer
Earn up to 15,000 Welcome Bonus Membership Rewards® points.
Earn Rates
5xEats & drinks
3xStreaming subscriptions
2xGas, transit & ride share
1xAll other purchases
Benefits & Insurance
·Airport Lounge
·No FX Fee
✓Car Rental Insurance
✓Travel Medical
·Trip Cancellation
✓Flight Delay
✓Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Hotel elite status/collection
Statement credits
Front of the Line presale tickets
Earn 3X the points on eligible streaming subscriptions
Front Of The Line® Access
Food delivery credits
Earn 5X the points on eligible eats & drinks
Insurance Detail
mobile insurance
Yes
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// last updated 2026-06-18 · est. value = welcome bonus × base ¢/pt − annual fee