AMEX Cobalt Card Point Calculator

Card Details & AMEX Point Calculator
5x Dining
5x Grocery
2x Travel
2x Gas Station
2x Transit

Calculate total AMEX Points and the cash value of the American Express Cobalt Card based on spend, benefits, and fees. Compare side by side top cards.

Use the AMEX Cobalt Card Point Calculator to calculate how many Membership Rewards Points you can earn based on your spend and the cash value of the card based on the value of earned points, the cash value of benefits offered, and the annual fee. You can then compare the results side by side other credit cards featured on the site to find out if the Cobalt Card is worth apply for.

Bonus Categories

The AMEX Cobalt features several categories but most of the category overlap and intersect with one another. This can be summed up with five main categories which are grocery shopping, dining, travel, transit, and gas station purchases. The grocery and dining categories have a yearly max of $30,000 per year while the remaining categories have no cap. There is no limit to the amount of Membership Rewards Points you can earn with the card overall.

  • 5x Grocery
    • Combined Cap of $30,000 per year with the dining category.
    • 1x after combined cap has been reached.
  • 5x Dining
    • Combined Cap of $30,000 per year with the grocery category.
    • 1x after combined cap has been reached.
  • 2x Travel
    • Includes travel services or travel booking including airfare, cruises, rail, and road transportation.
  • 2x Transit
    • Includes local commuter transportation in Canada including subway, streetcar, taxi, limousine, and ride sharing services.
  • 2x Gas Station
    • Applies to stand-alone automobile gas stations in Canada only.
  • 1x Everything Else

Perks & Benefits

The AMEX Cobalt Card comes with a few small perks and benefits as well as some decent insurance and protections.

Sign Up Bonus (SUB)

New American Express Cobalt Cardholders can earn up to 30,000 Membership Rewards Points during the first year. Members will earn 2,500 points for each monthly billing period in which they spend $500 in purchases on the card.

Fees & Income Requirements

Annual Fee

The annual fee for the AMEX Cobalt Card is $10 per month charged on the 1st statement after the card is issued and once a month thereafter.

Authorized User Fee

There is no authorized user fee for the AMEX Cobalt Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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