American Express
American Express Cobalt Card
The card foodies love - earn 5x Membership Rewards points on eats and drinks, including groceries and food delivery. Pay monthly instead of one big annual fee.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$192
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 5x Membership Rewards points on eligible eats & drinks in Canada incl. groceries and food delivery (up to $2,500/month)
- 3x on eligible streaming subscriptions
- 2x on travel, transit, gas and ride-share
- 1x on everything else
Rates & fees
| Annual fee | $192 |
|---|---|
| Supplementary card fee | $0 (first additional card free) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | No balance transfer offer |
| Balance transfer rate | No BT offer (n/a) |
| Balance transfer fee | No BT offer |
| Cash advance | $5.00 per funds advance in Canada; funds advance APR 21.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | American Express |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.