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American Express Cobalt Card

Whether you're a foodie exploring the latest culinary hotspots or a jet-setter always on the move, this card ensures you're rewarded for your lifestyle.

American Express Cobalt Card
Source: American Express Cobalt Card

This vibrant card is designed to inject excitement into your everyday routine with its unmatched rewards and lifestyle perks. What makes the Cobalt Card stand out? It’s all about the points—earn accelerated rewards on dining out, ordering in, grocery shopping, and transportation, allowing you to rack up points effortlessly on your favorite indulgences.

American Express Cobalt Card
American Express Cobalt
No annual fee Earn points 5X
Access everything you need with a credit card
Watch an ad to apply for your card Watch an ad to apply for your card

But that’s not all—redeeming your points is a breeze with the Cobalt Card. From booking flights and hotels to treating yourself to merchandise or even transferring points to airline loyalty programs, the possibilities are endless. With the American Express Cobalt Card, your spending isn’t just practical—it’s an adventure waiting to unfold!

Earning rewards

The American Express Cobalt Card offers a dynamic rewards structure tailored to different spending categories, ensuring you earn points quickly on your preferred purchases. Here’s how you can maximize your rewards:

  • 5 points per $1 spent on groceries and restaurants: Whether you’re stocking up on groceries or dining out at your favorite restaurants, earn a generous 5 points for every dollar spent, making it perfect for food enthusiasts.
  • 3 points per $1 spent on streaming services: Enjoy your favorite movies, shows, and music while earning 3 points per dollar on popular streaming platforms.
  • 2 points per $1 spent on gas, transit, and travel: Commuting or traveling? Earn 2 points per dollar on gas purchases, public transit fares, and travel expenses, including flights and accommodations.
  • 1 point per $1 spent on all other purchases: For all other purchases, earn 1 point per dollar spent, ensuring you accumulate points even on everyday transactions.

The flexibility and earning potential of the Cobalt Card make it a smart choice for those looking to earn rewards on a wide range of lifestyle expenses.

Redeeming rewards

The American Express Cobalt Card offers a variety of convenient options for redeeming your hard-earned rewards. Here’s how you can make the most of your points:

  • Transfer to Aeroplan or British Airways for flights: Exchange your points for airline miles with Aeroplan or British Airways, allowing you to book flights to your desired destinations.
  • Transfer to Marriott Bonvoy: Convert your points into Marriott Bonvoy points for hotel stays and other travel experiences.
  • Fixed Points Travel Program: Redeem points for flights through the Fixed Points Travel Program, offering a set number of points for specific routes and destinations.
  • Redeem for any travel: Use your points to offset travel expenses, including flights, hotels, car rentals, and more.
  • Ticketmaster: Purchase event tickets through Ticketmaster using your points.
  • Statement credits: Apply your points directly towards your card statement to reduce your balance.
  • Charity donations: Make a positive impact by donating your points to supported charities.
  • Gift Cards: Redeem points for gift cards from various retailers and brands.
  • Shopping at Use your points to shop on for a wide selection of products.
  • Merchandise: Treat yourself to merchandise rewards, including electronics, fashion items, and more.

With such diverse redemption options, the Cobalt Card empowers you to use your rewards in ways that suit your lifestyle, whether it’s booking travel, enjoying entertainment, supporting charitable causes, or indulging in shopping experiences.

Travel coverage with American Express Cobalt Card

With the American Express Cobalt Card, you gain access to comprehensive travel coverage to ensure peace of mind while you’re on the go:

  • Welcome offer

The American Express Cobalt Card offers an enticing welcome bonus for new cardholders. By spending $2,000 per month on eligible purchases, you can earn up to 15,000 points within the first year. If you’re a frequent spender, this welcome bonus is a fantastic way to kickstart your rewards journey and maximize the benefits of the Cobalt Card.

  • Amex Invites and Front of the Line

American Express cardholders, including those with the Cobalt Card, enjoy exclusive access to ticket sales through Ticketmaster, thanks to the Amex Invites and Front of the Line programs. This perk gives you priority access to purchase tickets for popular concerts and events, reducing the stress of trying to secure seats for your favorite bands.

  • Amex Offers

This feature allows cardholders to earn easy bonus cash back when making purchases with select merchants. Amex Offers presents personalized deals and discounts that align with your spending habits, making it effortless to save money while enjoying your favorite products and services. Simply add the offers to your card and start earning cash back rewards with every qualifying purchase.

  • Hotel Collection

With the American Express Cobalt Card, you gain access to The Hotel Collection for booking hotels. This includes perks such as potential room upgrades upon check-in (subject to availability) and up to US$100 credit to use at the hotel. Enjoy enhanced benefits and added value when booking accommodations through The Hotel Collection with your Cobalt Card.

  • Travel Insurance

With this card, you’ll have access to 10 types of coverage, including travel emergency assistance, travel accident insurance, flight delay insurance, baggage delay insurance, lost or stolen baggage insurance, hotel/motel burglary insurance, car rental theft and damage insurance, purchase protection, buyer’s assurance protection, and mobile device insurance. This comprehensive coverage ensures peace of mind during your journeys and everyday transactions.

Credit Card American Express Cobalt Application Requirements

American Express Cobalt Card
Source: American Express Cobalt Card

Before you embark on the journey to obtain your American Express Cobalt Credit Card, make sure you meet the following requirements:

  1. Age Eligibility: Applicants must be at least 18 years old.
  2. Income Criteria: A minimum annual income is required for approval.
  3. Credit History: A good credit score enhances your chances of approval.
  4. Residency: Applicants should be residents of the United States.
  5. Application Documentation: Prepare necessary documents such as identification, proof of income, and other requested information.

How to Apply for the American Express Cobalt Credit Card

Now that you meet the requirements, follow these steps to apply for your American Express Cobalt Credit Card:

  1. Go to the American Express website and look for the Cobalt Credit Card section.
  2. Click on ‘Apply Now’ to start the application process.
  3. Fill in Personal Information.
  4. Enter your annual income, employment details, and any other financial information requested.
  5. Submit Documentation.
  6. Review and Confirm.
  7. Wait for Approval – this process may take some time.
  8. Upon approval, you will receive your American Express Cobalt Credit Card by mail.

FAQs about the American Express Cobalt Credit Card

What makes the American Express Cobalt Credit Card unique?

The Cobalt Card offers a unique rewards structure, catering to everyday spending with bonus points on dining, groceries, and travel.

Is there an annual fee for the American Express Cobalt Credit Card?

Yes, there is an annual fee associated with the Cobalt Card. Refer to the card details for specific fee information.

Can I use the Cobalt Card internationally?

Yes, the American Express Cobalt Credit Card is widely accepted globally. Ensure you inform American Express about your travel plans for seamless transactions abroad.

Remember to check the official American Express website for the most up-to-date information and specific details related to the Cobalt Credit Card.

American Express Cobalt Card
American Express Cobalt
No annual fee Earn points 5X
Access everything you need with a credit card
Watch an ad to apply for your card Watch an ad to apply for your card

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.