Learn How to Apply for an American Express Cobalt Credit Card

What do I need to know before applying?

The American Express Cobalt is here to offer you up to 15,000 Membership Rewards points in your first year with the card, as long as you meet all the requirements!

American Express is one of the largest credit card brands in the world, right? And of course, Amex brings its services to Canada.

Sounds good?

In terms of costs, you’ll need to cover a monthly fee of $12.99, equivalent to just over $155 per year of card membership, with no additional cardholder annual fees, okay?

The card offers its rewards through Membership Rewards points, and the number of points you earn depends on the type of purchase. Check it out:

• 5x points on food and drinks at restaurants and on eligible delivery services.
• 3x points on streaming subscriptions for eligible services in Canada.
• 2x points on gas, public transit, and rideshare for eligible purchases.
• 1x points on all other purchases, plus an additional point on Amex Travel Online for eligible hotel or car rental bookings.

Want more rewards? You can earn up to 15,000 Membership Rewards points, with 1,250 points per billing cycle, as long as you spend $750 in the year as a new Cobalt member. And that means up to $150 to enjoy with the card!

And you can redeem them however you like. 

And the options are tickets, food, retail, statement credit, redemption for flights, gift cards, and 1:1 Membership Rewards point transfers.

Who can Apply?

American Express provides favorable conditions that suit both the card’s profile and the Canadian market.

American Express offers terms that are well-suited to both the card’s features and the Canadian market.

To qualify for the Cobalt card, you must be a Canadian resident with a strong credit history.

This means you need to have a credit record established in Canada, which makes you eligible to apply for the card.

Additionally, you must be of legal age as defined by your province’s regulations.

There may also be income requirements, and American Express could request documentation to confirm the details you provide.

All card applications are subject to American Express’s availability.

See How to Apply for an American Express Cobalt Credit Card

To apply for the card, simply visit the American Express website and click on the “Apply Now” button.

Once you do, you’ll be taken to the application form, where you’ll need to provide the following information:

• Your full name, the name to appear on the card, email address, date of birth, social insurance number, and postal code.
• Complete contact details, including your address and phone number.

You’ll also need to submit financial information, such as your income, monthly obligations, employment type, and a summary of your expenses.

After filling out the form, you can submit it for review by American Express.

During the process, they may ask for additional documents or perform checks to finalize the card approval.

The American Express Cobalt comes with a widely variable credit limit according to each customer’s needs.

More Details

The American Express card comes with the powerful Cobalt Perks program, offering you a range of rewards such as bonuses and access to events, designed specifically for Amex Cobalt customers. 

Oh, and American Express also provides its own exclusive benefits, like presales, ticket reservations, a variety of offers, and travel plans tailored just for you.

When you shop with Amex, you get a purchase protection plan on eligible items that extends the manufacturer’s warranty, giving you much more peace of mind in life—totally worth it, right?

American Express stands out for its comprehensive customer service, starting with the app and including phone support, fraud protection guarantees, and emergency card replacement.

With all of this, American Express brings you everything you need for a stress-free and empowered life.

Want to learn another option?

The Canadian market offers other great Amex options, such as the Scotiabank American Express, which provides access to over 1,200 VIP lounges worldwide.

The card features Scene+ points, which can offer a variety of benefits. Here’s how to apply.

Written by

Gabriel Gonçalves