{"id":162805,"date":"2025-08-25T08:50:54","date_gmt":"2025-08-25T12:50:54","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=162805"},"modified":"2026-05-09T08:30:58","modified_gmt":"2026-05-09T08:30:58","slug":"4-reasons-cobalt-wallet","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/4-reasons-cobalt-wallet\/","title":{"rendered":"4 Reasons Why the American Express Cobalt Card Should Be in Your Wallet Right Now"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-the-best-card-for-restaurants-and-groceries\">The best card for restaurants and groceries<\/h2>\n\n\n\n\n\n<p>One of the best perks of the Cobalt credit card is the ability to earn 5 points for every dollar spent on eats and drinks. This includes restaurants, bars, food delivery as well as supermarkets in Canada. Therefore, it is an excellent card that is <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/amex-cobalt-value\/\">worth keeping<\/a> year after year.<\/p>\n\n\n\n<p>You will earn 5x in this category until you spend a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/cobalt-american-express-cap-5x-multiplier\/\">maximum of $2,500<\/a> in monthly purchases. Once you reach this threshold, you\u2019ll earn 1 point per dollar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c.jpg\" alt=\"The best credit card for groceries! - cobalt super c\" class=\"wp-image-63155\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c.jpg 1500w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/09\/cobalt-super-c-768x512.jpg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"276526\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-multiple-interesting-promotional-offers\">Multiple interesting promotional offers<\/h2>\n\n\n\n<p>American Express regularly has <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\">numerous promotional offers<\/a>, several of which may be relevant to your situation. Generally, these offers allow for significant, sometimes complete, reduction of fees over time.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1322\" height=\"696\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers.png\" alt=\"4 Reasons Why the American Express Cobalt Card Should Be in Your Wallet Right Now - Amex Cobalt Worth it offers\" class=\"wp-image-276536\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers.png 1322w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers-450x237.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers-1024x539.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers-200x105.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/05\/Amex-Cobalt-Worth-it-offers-768x404.png 768w\" sizes=\"(max-width: 1322px) 100vw, 1322px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"70999\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transfer-membership-rewards-to-travel-partners\">Transfer Membership Rewards to Travel Partners<\/h2>\n\n\n\n<p>What makes the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt\u2122 Card<\/a>\u00a0even more appealing than before is the ability to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">transfer<\/a> Membership Rewards to airline partners such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/guide-ultimate-avios\/\">British Airways Avios<\/a> at a 1:1 ratio.<\/p>\n\n\n\n<p>Previously, one of the drawbacks was that the card only earned MR Select points, and this currency was not transferable to airline partners. But now you\u2019ll be able to transfer your points to frequent flyer programs as well as hotel loyalty partners like Hilton Honors and Marriott Bonvoy.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"928\" height=\"952\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/airline-partners-amex-cobalt.jpg\" alt=\"4 Reasons Why the American Express Cobalt Card Should Be in Your Wallet Right Now - airline partners amex cobalt\" class=\"wp-image-162809\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/airline-partners-amex-cobalt.jpg 928w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/airline-partners-amex-cobalt-439x450.jpg 439w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/airline-partners-amex-cobalt-195x200.jpg 195w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/airline-partners-amex-cobalt-749x768.jpg 749w\" sizes=\"(max-width: 928px) 100vw, 928px\" \/><\/figure>\n\n<div><span lang=\"EN-US\">Transferring points to airline partners is generally the best alternative to get the most value out of your Membership Rewards points. Once you transfer your points to an airline partner, you\u2019ll be able to redeem them for dream trip around the globe.<\/span><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mobile-phone-insurance\">Mobile Phone Insurance<\/h2>\n\n\n\n<p>In addition to the current insurance coverages applicable to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt\u2122 Card<\/a>\u00a0there is a new mobile device insurance. When you use this card to purchase a new cellphone, American Express will cover up to $1,000 in the event of theft, loss, or accidental damage to your mobile device.<\/p>\n\n\n\n<p>The insurance is good for a maximum of 2 years from the date of purchase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt\u2122 Card<\/a>\u00a0is currently one of the best credit cards in Canada and one of our favorites here at Milesopedia. It is the only available card in the country where you can earn up to <strong>5 points per dollar spent on eats and drinks<\/strong> and also be able to <strong>transfer your points to travel partners<\/strong>.<\/p>\n\n\n\n<p>The Card is <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/new-offer-american-express-cobalt\/\">now<\/a> offering a welcome bonus of <strong>up to 15,000 points<\/strong> to eligible new cardholders. You\u2019ll earn 1,250 points after spending $750 in purchases per month. Check out here our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/cobalt-card-best-card-canada\/\" target=\"_blank\" rel=\"noopener\">tip on how we earn 45&nbsp;000 additional points<\/a> !<\/p>\n\n\n\n<p>Would you like to apply for this Card while supporting milesopedia? <a class=\"thirstylink\" title=\"American Express Cobalt\u2122 Card American Express\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"nofollow noopener sponsored\">Click here<\/a>!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-amex-cobalt-wallet\">Frequently Asked Questions about the American Express Cobalt Card<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"why_is_the_cobalts_5x_rate_considered_the_best_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy is the Cobalt&#8217;s 5x rate considered the best in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Cobalt earns 5 Membership Rewards points per dollar on eats and drinks, which covers restaurants, bars, caf\u00e9s, food delivery apps like Uber Eats and SkipTheDishes, and crucially most grocery stores. Milesopedia values Membership Rewards points around 2 cents each when transferred to Aeroplan or Marriott Bonvoy, putting the effective return at roughly 10% on these everyday purchases, far above what cash-back competitors offer. The cap is $2,500 in monthly eats-and-drinks purchases, more than enough for typical Canadian households.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_cobalts_monthly_fee_structure_better_than_an_annual_fee_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the Cobalt&#8217;s monthly fee structure better than an annual fee?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Cobalt charges $15.99 per month ($191.88 annually outside Quebec; Quebec residents pay an annual fee instead due to provincial regulations). The monthly cadence makes it psychologically easier to keep, and crucially Amex regularly issues retention or sign-up credits that more than offset several months of fees. New cardholders also unlock 1,000 bonus points each month they spend at least $500 in the first year, totaling up to 15,000 welcome points alongside the regular earning.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_valuable_is_the_cobalts_mobile_phone_insurance_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow valuable is the Cobalt&#8217;s mobile phone insurance?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Cobalt covers up to $1,000 against theft, loss or accidental damage on a phone purchased outright on the card or paid in full each month via your wireless bill. Coverage runs for two years from the purchase date with a $100 deductible per claim. For an iPhone Pro or flagship Android costing $1,200+, this saves $10 to $15 per month in carrier insurance fees, effectively offsetting the card&#8217;s cost on its own for anyone who buys their phones rather than financing them through the carrier.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_transfer_partners_deliver_the_best_value_from_membership_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich transfer partners deliver the best value from Membership Rewards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Aeroplan offers the strongest value for Canadian travelers at 1:1 transfers, especially for premium-cabin redemptions on Air Canada and Star Alliance partners. British Airways Avios at 1:1 wins on short-haul flights within North America. Marriott Bonvoy at 5:6 (every 1,000 MR points = 1,200 Marriott points) delivers solid hotel value, particularly on high-tier properties. For straightforward statement credits, you&#8217;ll get roughly 1 cent per point, less than half of transfer-partner value, so always transfer when you have a specific redemption in mind.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Find out why the Amex Cobalt is one of my favorite credit cards and why it should have a place in your wallet.<\/p>","protected":false},"author":2437,"featured_media":162059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-162805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tutorial-american-express-en"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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