American Express American Express Cobalt Card — Canada
1 Membership Rewards point per CAD 1 other eligible purchases; 5 eligible Canadian food/groceries up to CAD 2,500 monthly, then 1; 3 eligible Canadian streaming; 2 eligible Canadian gas, transit and rideshare.
- Annual card + required rewards fees
- CA$191.88
- Reward currency
- Membership Rewards
- Card type
- Personal credit card
- Mileage route
- Bank points
- Record checked
- 2026-10-14
- First-year card fee
- Not verified
How earning and transfers work
Eligible Membership Rewards can transfer to frequent-flyer programs. Partner-specific ratios and minimums are not yet recorded.
Eligibility and important conditions
Local residency, identification, income and credit approval must be checked with the issuer.
The food cap is monthly. Bank points and airline miles remain separate; partner-specific conversion and rounding need review.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- Not verified
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- Not verified
Verification and sources
Listed for new applications; confirm approval
Published fee and/or earning fields checked against the linked official source; remaining terms are partially verified.
- www.americanexpress.com — official product or rules
- www.americanexpress.com — official product or rules
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.