American Express Cobalt Card — American Express Canada
American Express Membership Rewards

Futello catalogue profile

American Express Cobalt Card

Relevant if: you use the Membership Rewards program and its documented categories.

Less suitable if: you do not recover at least $191.88 in value to offset the annual fee.

Annual fee
$191.88
Reward type
Membership Rewards
Welcome offer
Confirmed offer
First-year estimate
$993.12

Data verified on September 7, 2026

Estimate with my spending

First year

Welcome offer

  • Current offer is in line with past offers
  • Offer quality: Fair based on verified history
Welcome bonus
15,000 points American Express Membership Rewards
Requirements
$9,000 in spending within 78 months · 12 tiers
Estimated value
$150 first 12 months, per the valuation published by Futello
Last verified
· Verified 1 day ago

New offer observed —

Historical context

In line with the 2 verified offers in Futello history.

  • Offers observed from January 1, 2021 to December 31, 2021
  • Welcome bonus: min. 15,000 · median 17,500 · max. 20,000
  • Comparison at limited confidence · the current offer is not part of the comparison baseline
See observed offers
  1. 15,000 points $3,000 in spending within 3 months
  2. 20,000 points $3,000 in spending within 3 months
  3. 15,000 points $9,000 in spending within 78 months current offer

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Email me if this offer changes

Earning

Rewards

CategoryRewardConditions
Other purchases1 point per dollarNo published cap
Groceries, restaurants and food delivery5 points per dollarCap not documented
Food delivery, Groceries, and Restaurants5 points per dollar$2,500 cap / month · 1 point per dollar after the cap
Gas, transit and ridesharing, Taxis and ridesharing, and Public transit2 points per dollarNo published cap
Streaming subscriptions3 points per dollarNo published cap

Published combinations

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for groceries

Scotiabank Gold American Express Card — Scotiabank Canada
Scotiabank Gold American Express CardScotiabank Canada · American Express
Annual fees
$120
Annual net value
$490
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SimplyCash Preferred Card from American Express — American Express Canada
SimplyCash Preferred Card from American ExpressAmerican Express Canada · American Express
Annual fees
$119
Annual net value
$385.29
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Best for restaurants and food delivery

RBC ION+ Visa — RBC
RBC ION+ VisaRBC · Visa
Annual fees
$48
Annual net value
$114.67
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Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source