The American Express Cobalt Card is a popular choice in Canada for rewards on dining, streaming, and travel. If you’re thinking of applying, you need to know the steps and what to prepare before starting.
This article shows you exactly how to order the card online with no confusion. You’ll also learn about the key benefits and fees, so you can make a decision quickly.
Basic Eligibility Requirements
Before applying, make sure you meet the basic rules. If you don’t, your application won’t go through.
- You must be a Canadian resident and have a Canadian credit file.
- You must be of the age of majority in the province or territory where you live.
How to Order Online?
It only takes a few steps to apply online. Follow each part carefully to avoid delays.
Visit the Official Site
Start your application by going to the right place.
- Visit the official Amex website.
- Find the page for the Cobalt Card under personal cards.
Click “Apply Now”
You’ll need to begin the process by launching the form.
- Click the Apply Now button to start your application.
Fill Out the Online Application
You’ll be asked for details about yourself and your finances.
- Enter your personal information, including name and address.
- Fill in employment and financial details.
- Make sure all the info is correct before moving on.
Submit and Wait for Approval
Now you’ll wait while they review your info.
- Some approvals happen right away.
- Others might take a few business days if more checks are needed.
Welcome Bonus: Up to 15,000 Points
You can earn a bonus by using the card each month during your first year. Follow the rule below to get the full amount.
- Spend $750 each month for 12 months to earn 1,250 points per month.
- If you complete all 12 months, you’ll get 15,000 Membership Rewards points.
- These points are worth about $150 when redeemed for eligible purchases.
Interest Rates and Fees
Before applying, know how much this card can cost you if you carry a balance or live in Quebec.
- The interest rate is 21.99% on purchases and cash advances.
- You pay a monthly fee of $12.99, which adds up to $155.88 per year.
- If you live in Quebec, starting July 8, 2025, you’ll pay a flat yearly fee of $155.88 instead.
How You Earn Points?
You earn points based on where and how you spend. Higher points go to everyday categories like food, travel, and streaming.
5X on Eats & Drinks
You get 5X points at restaurants and on food delivery in Canada. This includes dine-in and takeout. It’s the highest-earning category.
3X on Streaming Subscriptions
Earn 3X points on eligible streaming services in Canada. This includes music, movies, and TV. Subscriptions must be billed in CAD.
2X on Gas, Transit, and Ride Share
You get 2X points on gas stations, public transit, and ride-sharing apps. This works for both daily commutes and longer trips. Only valid for Canadian services.
1X on Everything Else
All other purchases earn 1X point per dollar. This includes things like online shopping and bills. No caps or spending limits apply.
+1X on Amex Travel Online
You earn 1 extra point when booking hotels or car rentals through the Amex Travel website. This stacks with your regular category points. Only eligible for prepaid bookings.
Top Benefits to Enjoy
This card comes with several lifestyle perks. Here are the ones you can start using right away.
Front Of The Line® Event Access
Get early ticket access to concerts, theater, and shows. This benefit applies to presales and reserved seats. Available through Amex Experiences.
The Hotel Collection Perks
Book two or more nights at select hotels to enjoy upgrades. Benefits include room credits and better rooms. Must book through the travel portal.
Up to $60 in Instacart Credits
Earn up to $60 in statement credits with Instacart. You must use the card for grocery deliveries. Valid until December 31, 2027.
Redeem Points on Everyday Purchases
Use points to pay for groceries, gas, travel, or streaming. You can redeem through Use Points for Purchases. 1,000 points = $10 in value.
Shopping Protection, Travel Insurance, Mobile Coverage
Get coverage on eligible purchases, trip interruptions, and mobile device theft. Conditions apply and vary by type. Useful for both online and in-person use.
World-Class Customer Service and Exclusive Offers
Access 24/7 support for issues, questions, or card help. Also, get special deals on travel, dining, and shopping. Offers are updated often.
Best Ways to Use Your Points
Once you start earning points, you’ll want to get the most value from them. Here are the smartest ways to redeem and use what you’ve earned.
- Redeem for statement credits to cover eligible purchases made with the card.
- Book flights, hotels, or car rentals using points through Amex Travel Online.
- Pay for food delivery and streaming services by redeeming points at checkout.
- Use points for gift cards or merchandise, though the value may be lower.
- Combine with other Membership Rewards cards if you have more than one.
Who Is This Card Best For?
Not every card fits every person. Here’s who will benefit the most from using this one.
- People who spend heavily on food and dining, including groceries, restaurants, and delivery apps.
- Those who prefer a monthly fee over paying a large annual charge all at once.
- Users who want perks like event access, flexible point redemption options, and built-in travel insurance.
Disclaimer: Terms and conditions apply. You can view full details on the official Amex Canada site. Always check for updates, as fees and offers may change at any time.
Customer Support & Contact
For any questions or help with your account, visit americanexpress.com/ca. You can also call 1-800-869-3016 for general support related to your card. If your card is lost or stolen, contact 1-800-668-2639 right away to secure your account.
For mail correspondence, send documents to World Financial Center, 200 Vesey Street, New York, NY 10285, US. Customer service is available 24/7 to assist with all card-related issues.
Quick Summary and Final Thoughts
Ordering the American Express Cobalt Card online is fast and straightforward. You just need to meet the basic requirements, complete the online form, and wait for approval.
If used smartly, this card gives strong value through reward points and everyday benefits. Always check the site for the latest terms before submitting your application.