Quels sont les frais annuels de la carte American Express Cobalt?

La carte American Express Cobalt comporte des frais annuels de 192 $.

Quelle est la prime de bienvenue de la carte American Express Cobalt?

Jusqu’à 15 000 points Membership Rewards. WalletReturn évalue la prime à environ 150 $. Des conditions et des délais s’appliquent; confirmez auprès de American Express.

La carte American Express Cobalt en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 236 $ en récompenses annuelles nettes après les frais annuels et 386 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte American Express Cobalt rapporte-t-elle?

5 points par dollar sur la nourriture et les boissons admissibles au Canada; 3 points par dollar sur la diffusion en continu admissible; 2 points par dollar sur l’essence, le transport en commun et le covoiturage admissibles au Canada; 1 point par dollar sur tous les autres achats.

Quel est le taux d’intérêt de la carte American Express Cobalt?

Le taux d’intérêt sur les achats est de 21,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

American Express Cobalt

American Express

Membership Rewards

Accumulation des récompenses

5 points par dollar sur la nourriture et les boissons admissibles au Canada

Offre actuelle : Jusqu’à 15 000 points Membership Rewards Des conditions s’appliquent.

11 types d’assurance inclus

Frais annuels: 191,88 $
Valeur de la prime la première année: 150 $
Récompenses annuelles nettes: 236 $
Valeur la première année: 386 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 191,88 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 21,99 %

Prime de bienvenue

Jusqu’à 15 000 points Membership Rewards

1,250 points for each monthly billing period with $750 in purchases during the first year. New Cardmembers only.

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

American Express · Récompenses

Récompenses

Programme : Membership Rewards

Émetteur

American Express

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

5 points par dollar sur la nourriture et les boissons admissibles au Canada
3 points par dollar sur la diffusion en continu admissible
2 points par dollar sur l’essence, le transport en commun et le covoiturage admissibles au Canada
1 point par dollar sur tous les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints Membership Rewards évalués à 1 ¢ chacun

Valeur estimée la première année

386,00 $

net annual rewards + welcome bonus

Récompenses annuelles nettes: 236,00 $
Prime de bienvenue: 150,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	427,88 $
Frais annuels	− $191.88
Récompenses annuelles nettes	236,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.

Illustrative annual rewards: 427,80 $
Frais annuels habituels: 191,88 $
Illustrative net ongoing value: 236,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Confirmed eligible grocery purchases. This is part of your existing spending.
Enter monthly Confirmed eligible dining purchases. This is part of your existing spending.
Enter monthly Confirmed eligible streaming purchases. This is part of your existing spending.
Enter monthly Confirmed eligible gas purchases. This is part of your existing spending.
Enter monthly Confirmed eligible transit purchases. This is part of your existing spending.
Enter monthly Eligible Amex Travel hotel/car bookings, excluding Hotel Collection. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for American Express Cobalt

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Confirmed eligible grocery purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $500/month; remaining: $500/month.Confirmed eligible dining purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $200/month; remaining: $200/month.Confirmed eligible streaming purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $200/month; remaining: $200/month.Confirmed eligible gas purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $150/month; remaining: $150/month.Confirmed eligible transit purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $80/month; remaining: $80/month.Eligible Amex Travel hotel/car bookings, excluding Hotel Collection · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Typical spending: $2,000/month · $24,000/year · net of annual fee

First-year bonus: 150,00 $
Récompenses annuelles nettes: 236,00 $
Valeur la première année: 386,00 $

Redemption methods

Membership Rewards purchase statement credit
1¢ per point
Fonctionnement
Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.
Official methodology (opens new tab)
Verified 2026-10-10

Bonus rates apply to eligible purchases; everything else earns the base rate.

Points Breakdown — earning schedule
Spending category	Earning rate	Restrictions & Spending cap	Annual earning
grocery purchases	5 pts per $1	Up to $2,500 a calendar month (shared) $2,500.00 eligible pool purchases / calendar month After cap: 1 pt per $1	Annual earned Membership Rewards points: 15,000 pts Not included in the value
dining purchases	5 pts per $1	Up to $2,500 a calendar month (shared) $2,500.00 eligible pool purchases / calendar month After cap: 1 pt per $1	Annual earned Membership Rewards points: 6,000 pts Not included in the value
streaming purchases	3 pts per $1	See rules Confirm the earning rules in the full calculation ledger	Annual earned Membership Rewards points: 900 pts Not included in the value
gas purchases	2 pts per $1	See rules Confirm the earning rules in the full calculation ledger	Annual earned Membership Rewards points: 1,800 pts Not included in the value
transit purchases	2 pts per $1	See rules Confirm the earning rules in the full calculation ledger	Annual earned Membership Rewards points: 960 pts Not included in the value
Amex Travel hotel/car bookings, excluding Hotel Collection	2 pts per $1	See rules Confirm the earning rules in the full calculation ledger	Annual earned Membership Rewards points: 0 pts Not included in the value
Other & non-bonus-eligible purchases	1 pt per $1	Base rate on residual purchases; merchant bonus eligibility not assumed	Annual earned Membership Rewards points: 18,120 pts Not included in the value

Full base-rate purchase details (10 categories)

Residual purchases	Base rate	Annual purchases	Annual earning
groceries	1 pts per $1	3 000,00 $	3,000 pts
dining	1 pts per $1	1 200,00 $	1,200 pts
gas	1 pts per $1	900,00 $	900 pts
transit	1 pts per $1	480,00 $	480 pts
travel	1 pts per $1	1 200,00 $	1,200 pts
recurring bills	1 pts per $1	2 100,00 $	2,100 pts
entertainment	1 pts per $1	1 200,00 $	1,200 pts
drugstore	1 pts per $1	480,00 $	480 pts
online shopping	1 pts per $1	3 600,00 $	3,600 pts
other	1 pts per $1	3 960,00 $	3,960 pts

Offre de bienvenue

Check the issuer for current offer terms. Year 1: Billing-period qualification and bonus credit dates are not yet modeled.

Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

5 points per $1 on eligible Canadian food and drink; 3 on eligible streaming; 2 on eligible Canadian gas, transit and rideshare; 1 elsewhere.

Restrictions, caps & redemption

Eligible food and drink share a $2,500 calendar-month spending cap; then 1 point per $1.
Streaming must be billed directly by an eligible Canadian provider.
Travel does not qualify for the gas/transit 2-point rate.
Non-Quebec fee is $15.99 monthly; Quebec fee is $191.88 annually.
Eligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced.

Regular annual fee: $191.88. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $427.80.

Year 1 estimate unavailable. Current welcome awards use monthly BILLING periods, not calendar months; last-period points can post eight weeks later. Exact billing-window eligibility and first-year credited-value timing require separate engine authority.

Membership Rewards eligible purchase statement credit: 1 cents per Membership Rewards points. Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: included
Bagages: included
Location de voiture: included
Accident de voyage: included
Vol à l’hôtel ou au motel: included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

11 assurances

AssuranceCoverage

Assurance médicale d’urgence15 jours, jusqu’à 5 000 000 $
Up to $5,000,000 per person / trip
First 15 consecutive days; age 64 or younger
Valid provincial health plan; travel outside home province; account in good standing. Pre-existing-condition exclusions and assistance approval apply.
Issuer terms (opens new tab)
Not counted in this estimate
Protection des achats1 000 $
Up to $1,000 per cardmember / occurrence
90 days from purchase
Eligible new items charged to the card; theft or accidental damage; item exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 000 $
Up to $1,000 per person / occurrence
Up to 2 years; start depends on payment and loss type
Full purchase or required upfront charge and every financed installment to card; cellular activation required. Depreciation and 10% deductible; theft/damage full-payment cover starts day 91.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance retard de vol500 $
$500 shared with missed connection and baggage delay
Delay / denied boarding of 4+ hours
Full airfare on card; reasonable expenses only. Shared cap; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance correspondance manquée500 $
$500 shared with flight and baggage delay
No alternative connection within 4 hours
Full airfare on card; reasonable expenses only. Shared cap; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance retard de bagages500 $
$500 shared with flight delay and missed connection
6+ hours; purchases within 4 days and before baggage returns
Full airfare on card; reasonable expenses only. Shared cap; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance vol à l’hôtel ou au motel500 $
$500 per burglary
During covered hotel stay
Accommodation fully paid on card; proof of burglary; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance bagages perdus ou volés500 $
$500 combined per occurrence
During covered air transit
Full airfare on card; jewellery $300 and golf $250 sublimits; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance accident de voyage en transporteur public250 000 $
Up to $250,000/person; scheduled loss amounts apply
Covered trip; loss within 100 days of accident
Fare charged before injury; spouse and dependants under 23 may qualify. Exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance vol ou dommages au véhicule de locationVéhicules de moins de 85 000 $
Actual vehicle value; eligible MSRP under $85,000
Rental must not exceed 48 consecutive days
Full rental on card; decline agency damage waiver; eligible licensed drivers. Exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée10 000 $
$10,000/item; $25,000/cardmember/policy year
Doubles warranty up to 1 extra year; original warranty 5 years or less
Full purchase on card; original warranty valid in Canada or US; exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

Prime de bienvenue d’une valeur d’environ 150 $
5 points par dollar sur la nourriture et les boissons admissibles au Canada
Les récompenses typiques couvrent les frais annuels de 192 $
11 types d’assurance inclus
Earns Membership Rewards points

Points faibles

Frais annuels de 192 $
Les catégories bonifiées ont des plafonds de dépenses
Amex n’est pas acceptée partout

Sources et mentions légales

Points à considérer

L’acceptation d’Amex varie selon le commerçant.
Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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