AMEX Cobalt Card Points Calculator

American Express Cobalt® Card

The American Express Cobalt® Card is one of the best travel credit cards in Canada. This is due to the card's high multipliers combined with the ability to redeem points for high value towards airfare purchased through AMEX Travel and by transferring points to AMEX's airline and hotel partners.

Rewards Rates

Earn 5 points for every $1 spent on eligible restaurant and grocery stores in Canada, including food and grocery delivery (on up to $2,500 per month).
Earn 3 points for every $1 spent on streaming subscriptions with select providers in Canada.
Earn 2 points for every $1 spent on gas and transit purchases in Canada and on travel.
Earn 1 point for every $1 spent on all other purchases.

Key Cardholder Benefits

  • Enjoy your new mobile device with more confidence with Mobile Device insurance.
  • Enjoy benefits at over 600 participating hotels and resorts in over 30 countries when you book your hotel stays through The Hotel Collection.
  • Be protected with travel and shopping coverage.

Rewards Value

Redemption option Redemption value in cents
Transferring points to airline partners 1.2 - 2
Airfare via AMEX Fixed Points Travel program 1.5 - 2
Travel via AMEX Flexible Points Travel program 1
Charity donations 1
Redeeming points towards card purchases 1
Gift cards 0.76
Using points at checkout on 0.7
Shopping for merchandise through AMEX Shop 0.4 - 0.6

Membership Rewards Points earned with the AMEX Cobalt Card are worth between 1.5 and 2 cents each on average towards airfare. This means 30,000 points has a cash value of $450 to $600.

Points can also be redeemed for charity donations, card purchases, and towards travel using the AMEX Flexible Points Travel program at a value of 1 cent apiece.

Transfer Partners

Membership Rewards points earned with the AMEX Cobalt Card can be transferred to these travel partners:


Annual Fees

The American Express Cobalt Card has a $12.99 monthly fee which comes out to $155.88 per year. You can add additional cardholders for no charge.

AMEX Points Calculator

Input your monthly and yearly spend amounts into the AMEX Cobalt Point Calculator to find out how many points you can earn. Compare the results side by side up to two credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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What is the AMEX Cobalt Card?

The AMEX Cobalt Card is a Membership Rewards credit card offered by American Express to those in Canada.

How much are AMEX Cobalt points worth?

Points earned with the AMEX Cobalt are worth between 1.5 and 2 cents each when redeemed for airfare through the AMEX Fixed Points Travel program.

Can you transfer points earned with the AMEX Cobalt Card?

Yes. Points earned with the AMEX Cobalt can be transferred to 8 partners including Air Canada Aeroplan, British Airways Executive Club, and Delta SkyMiles.

Does the Cobalt Card have an annual fee?

Yes. The annual fee for the Cobalt Card is $12.99 per month.

Is there a cost to add additional cardholders to the AMEX Cobalt Card?

No. You can add additional cardholders for $0.

Is the AMEX Cobalt Card worth it?

Yes. The AMEX Cobalt Card is one of the best credit cards available in Canada due to it's high multipliers and flexible travel rewards.

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