See How to Apply for the American Express Cobalt Credit Card

What should I be aware of before submitting my application?

The American Express Cobalt is a credit card under the Amex brand that provides a welcome offer of ***up to 15,000 Membership Rewards points!***

The credit card is another excellent choice provided by American Express, a top brand in the American market.

By getting hold of any of the various Amex cards available, you will receive assistance in handling your day-to-day activities. 

The American Express Cobalt provides a credit limit tailored to suit the financial circumstances of each applicant, making it an excellent choice for a monthly spending cap.

When it comes to expenses, the card has a monthly charge of $12.99, which adds up to a little over $155 per year. There are no yearly fees for extra cards, and it provides a 21.99% interest rate.

The American Express Cobalt provides incentives in the shape of points, whose worth varies based on the category of purchase.

When it comes to dining out or ordering food in Canada, you can enjoy earning five times the points at eligible restaurants. American Express also provides three times the points for streaming subscriptions and twice the points for gas, public transportation, and ride-sharing services.

When it comes to all other transactions, you will receive 1x points for online purchases, as well as an extra point for making eligible bookings for accommodations or car rentals via Amex Travel Online.

All the points you earn add up in the Membership Rewards program. And when it comes to redeeming them, the choice is yours.

You have the option to exchange your points for various purchases, including retail items, statement credits, movie tickets, and streaming subscriptions. 

An alternative is transferring points on a one-to-one basis to different loyalty programs. Additionally, the card offers the flexibility of redeeming points for travel through American Express Travel Online, gift cards, and purchases on Amazon.ca.

Eligibility Criteria

American Express provides very favorable terms that are in line with both the cardholder’s profile and the Canadian market.

To be able to use the Cobalt, it is required that you are a resident of Canada and have a good credit history.

You are required to have a verified credit history in Canada in order to be eligible for the card.

Moreover, it is necessary to be of the legal age required in your province within the country.

American Express might have specific income criteria and may ask for documentation to confirm the details provided.

Availability for all applications is contingent upon Amex’s approval.

**Title:** Applying for the American Express Cobalt Credit Card

To request the credit card, you must select the “Apply Now” button on the American Express website.

By pressing the button, you will be directed to the application form. Below are the details required:

Please provide the following details: Full name, cardholder name, email address, date of birth, social security number, and postal code. Additionally, remember to include your contact information, such as your full address and phone number.

Throughout the procedure, it will be necessary to provide financial information like income, monthly obligations, type of employment, and a detailed list of expenses.

Once you have finished, it is required to conduct the review process before submitting your details to American Express.

During the procedure, American Express might ask for documentation and verification in order to approve card access.

Additional Information

The American Express card offers a potential of 15,000 bonus Membership Rewards points, equating to a maximum of 1,250 points per billing period, provided that you spend at least $750.

The Cobalt provides unique advantages, including coverage for mobile devices up to $1,000 for theft, loss, and damage, along with a range of travel protections.

– Medical insurance for emergencies while traveling abroad  

Flight delay protection coverage  

Baggage insurance for delays or losses

Hotel theft protection coverage

– Trip insurance for accidents

Once you have your card in hand, you will have access to unique American Express perks and offers, including priority tickets, early event access, and exclusive dining and entertainment opportunities.

Moreover, by using the Cobalt card, you will have the benefit of accessing Amex’s assistance, which covers customer support, fraud prevention, and the comprehensive American Express app for overseeing all your card activities.

American Express provides the Plan It program, enabling customers to make installment payments on purchases without the need for credit checks or extra interest charges.

Interested in exploring an alternative choice?

Are you searching for a card that’s perfect for travel? Take a look at the TD Aeroplan Visa Infinite, which provides up to 1.5 points on gas, groceries, and Air Canada flights.

The card comes with Visa Infinite and Air Canada perks, offering a convenient solution for your needs. Find out more about applying here.

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