AMEX Cobalt Card Point 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.
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.
- AMEX Invites
- Special access to exclusive events.
- Includes Front Of The Line Advanced Access and Reserved Tickets, special offers and experiences for cardmembers, and more.
- The Hotel Collection
- Includes $100 USD hotel credit on charges to the room such as dining, spa, and golf as well as complimentary room upgrades at check-in when available.
- Must book a minimum of 2 consecutive nights via the AMEX Travel Portal using an AMEX credit card.
- Insurance and Protections
- Flight Delay Insurance
- Baggage Delay Insurance
- Lost of Stolen Baggage Insurance
- Car Rental Theft & Damage
- $250,000 Travel Accident Insurance
- Purchase Protection Plan
- Buyer's Assurance Protection Plan
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.
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.
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