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CREDIT CARDS

CASH REBATES

American Express Cobalt® Card Points Calculator

Credit Score

Good

Welcome Bonus

Up to 15000 points ($315 value)

Annual Income

N/A

Our Rating

9.5/10

Credit Score

Good

Welcome Bonus

Up to 15000 points ($315 value)

Annual Income

N/A

Our Rating

9.5/10

Details at a glance

Card Type

Points

Annual Fee

$155.8

Interest Rates*

Purchase: 20.99%

Cash: 21.99%

Institution

American Express

Card Network

Amex Canada

Benefits & Insurance at a glance

Travel Insurance

Extended Warranty

Hotel Burglary Insurance

Purchase Protection

Mobile Insurance

Car Rental Insurance

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 5 points for every dollar in Restaurants, Fast Foods, Coffee Shops, Food delivery and Groceries up to 150000 points
  • • 3 points for every dollar on eligible streaming subscriptions in Canada
  • • 2 points for every dollar used in standalone gasoline stations, travel services or local commuter transportation in Canada including ride share services
  • • 1 point for everything else

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Out of Province Medical insurance up to $5 million
  • • Flight delay and Baggage delay insurance up to $500
  • • Hotel Burglary insurance up to $500
  • • Lost or stolen baggage insurance up to $500
  • • Travel accident Insurance up to $250K
  • • Car Rental Theft and damage insurance up to $85000
  • • Mobile Device Insurance up to $1000
  • • Purchase Protection Insurance up to 90 days
  • • Extended Warranty Insurance up to a year
  • • Access to American Express Experiences and offers