Amex

American Express Cobalt

American Express · Amex MR

Earn 5x points on food and drinks with flexible redemption options and strong multipliers on everyday spending categories.

Credit score: Good (690–759)

$191.88/yr

Annual Fee

Best Earn

2.5%

FX Fee

—

Min. Income

Current Offer

Earn up to 15,000 Membership Rewards

Apply for the American Express Cobalt

You'll be taken to the issuer's secure application page.

Earn Rates

Dining & restaurants

5xpoints

Travel

2xpoints

Groceries

5xpoints

Streaming services

3xpoints

Everything else

1xpoints

Transfer Partners

AeroplanBritish AirwaysAir FranceHiltonMarriott

Points can be transferred to these loyalty programs. Rates and availability subject to change.

Insurance & Protection

Out-of-province travel medical

Purchase protection

Pros

5x points on food & drinks
2x points on travel, transit & gas
No minimum income requirement
Flexible Amex MR points

Cons

Not widely accepted like Visa/MC
Annual fee of $155.88
Limited bonus categories

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