American Express
Amex Cobalt
Amex Membership Rewards · $15.99/month outside Quebec; $191.88/year in Quebec
Your eligibility
Sign in and build a plan to check this card against your province, income, and card history.
American Express rule: welcome bonus once per lifetime per card.
Current offer
Up to 15,000 MR points: 1,250 for each qualifying $750 monthly billing period
- • Spend $750 in each of the first 12 monthly billing periods; 1,250 points per qualifying period
Qualifying conditions and calculation assumptions
- Current and former Cobalt holders are excluded. Monthly bonuses are excluded from new-plan value until the actual statement cycle is known.
- $15.99 monthly fee outside Quebec; $191.88 annual fee in Quebec. Generic travel and recurring bills earn 1 point/$; streaming-only and selected travel channels are not generalized.
- The 5-point grocery/dining rate shares a $2,500 monthly cap, then 1 point/$; confirmed at https://www.americanexpress.com/ca/en/benefits/cobalt-card/index.html.
Quebec: Public Canadian offer reviewed; no separate Quebec welcome-bonus exclusion stated. Provincial cardholder agreements and interest/payment rules still apply.
Offer verified Sep 6, 2026 · 24 days old
Earn rates
| Dining | 5 pts/$ |
| Groceries | 5 pts/$ |
| Gas | 2 pts/$ |
| Everything else | 1 pts/$ |
| Travel | 1 pts/$ |
| Recurring bills | 1 pts/$ |
Points (or cents, for cash-back cards) per dollar spent. Verify rates with the issuer — categories and caps change.
- Accelerated rate cap: $2,500 in Groceries, Dining per month; then 1 points/$.