AMEX Cobalt Points Calculator

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.
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Quick Details
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Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 applying for.

Rewards Rate Details

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The fee to add authorized users (supplementary cards).
$ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
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.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Updated 2020-06-12 By Robert Flowers III

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