{"id":300697,"date":"2025-06-22T01:00:00","date_gmt":"2025-06-22T05:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=300697"},"modified":"2026-05-09T10:53:15","modified_gmt":"2026-05-09T14:53:15","slug":"comparison-card-cobalt-vs-gold-american-express","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-cobalt-vs-gold-american-express\/","title":{"rendered":"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card"},"content":{"rendered":"\n<p>American Express Canada offers several cards, but two stand out for their popularity:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/li>\n<\/ul><\/div>\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='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620,22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Let&#8217;s take a look at the major differences between the blue and the golden cards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus-for-american-express-cards-in-canada\">Welcome bonus for American Express cards in Canada<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these cards varies according to the promotions.<\/p>\n\n\n\n<p>Here is how the current offer is structured:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer, you can earn up to <strong>15,000 Membership Rewards points<\/strong>, spread over the first 12 months of card ownership.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>1,250 Membership Rewards points<\/strong> after $750 in purchases, each month (monthly statement period)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you can earn up to <strong>60,000 Membership Rewards points: <\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>5,000 Membership Rewards points for each monthly statement period in which you charge $1,000 in net purchases to your card (12 months X 5,000 points), for a total of <strong>60,000 Membership Rewards points<\/strong>.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-gold-rewards-card-but\">Advantage: Gold Rewards card but&#8230;<\/h5>\n\n\n\n<p>Because it gives more privilege points, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the winner.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives you fewer points, but also requires less <strong>monthly spending<\/strong>. However, our tip is to make the most of your 5X points accumulation at restaurants and grocery stores.<\/p>\n\n\n\n<p>In fact, by combining the welcome bonus (15,000 Membership Rewards points) from the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> with a $750 purchase at 5X points, another 45,000 Membership Rewards points are added (1,250 points X 12 months), for a total of 60,000 Membership Rewards points.<\/p>\n\n\n\n<p>As a result, 60,000 Membership Rewards points will have been accumulated with $9,000 in expenses for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>compared with $12,000 for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/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='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=\"64086\"\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<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-income-do-you-need-for-an-amex-card\">What income do you need for an Amex card<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> requires no minimum income.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>This one&#8217;s easy!<\/p>\n\n\n\n<p>Like the vast majority of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express credit cards<\/a>, these two credit cards do not require a minimum personal income.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee-for-these-2-american-express-cards\">Annual fee for these 2 American Express cards<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>For residents outside Quebec, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> has monthly fees of $15.99 (total of $191.88). For residents in Quebec, it is $191.88, charged annually.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>Holding the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has a fee of $250, charged once a year.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cobalt-card-but\">Advantage: Cobalt card but&#8230;<\/h5>\n\n\n\n<p>On paper, the cost of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> costs less than <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>.<\/p>\n\n\n\n<p>But the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has an advantage that the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> doesn&#8217;t: a <strong>$100 annual<\/strong> travel <strong>credit<\/strong>.<\/p>\n\n\n\n<p>This brings the net annual fee for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> to $150, which is lower than the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-membership-rewards-points-earning\">Membership Rewards Points earning<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> each offer several levels of point accumulation.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>5 X points<\/strong> on restaurant purchases, drinks (bars and bistros), groceries and food delivery services (Uber Eats, SkipTheDishes, etc.)<\/li>\n\n\n\n<li><strong>3 X points<\/strong> on <a href=\"https:\/\/www.americanexpress.com\/ca\/fr\/avantages\/cobalt-card\/services-de-diffusion-en-continu\/\" target=\"_blank\" rel=\"noopener\">streaming services<\/a> in Canada (Apple TV+, Apple Music, Crave, Disney+, Netflix, RDS, Spotify, etc.)<\/li>\n\n\n\n<li><strong>2 X points<\/strong> on transportation purchases (gas, public transit, cabs, ridesharing, etc.)<\/li>\n\n\n\n<li><strong>1 X points<\/strong> for everything else<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>For its part, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you get&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>2 X points<\/strong> on travel purchases (plane tickets, hotels, car rentals, cruises, trains, etc.)<\/li>\n\n\n\n<li><strong>2 X points<\/strong> on purchases at gas stations, grocery stores and pharmacies<\/li>\n\n\n\n<li><strong>1 X points<\/strong> on the rest<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cobalt-card\">Advantage: Cobalt card<\/h5>\n\n\n\n<p>For its <strong>5 X points<\/strong> on daily purchases at grocery stores, restaurants and food services, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> clearly wins this round. By the way, our favorite trick is to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\" target=\"_blank\" rel=\"noopener\">buy gift cards<\/a> at the grocery store at 5X the points, to take advantage of this great accumulation.<\/p>\n\n\n\n<p>The accumulation of these 5X points has a maximum purchase of $2,500 per month and a maximum of $30,000 per year. So, from a $2,501 purchase at 5X points, the accumulation decreases to 1 X.<\/p>\n\n\n\n<p>On the other hand, if major purchases have to be made at the pharmacy, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the winner in its category.<\/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='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=\"131976\"\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<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-using-amex-points\">Using Amex points<\/h2>\n\n\n\n<p>Both American Express cards earn Membership Rewards points, and the redemption process is similar. On this point, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> have no difference and are both winners!<\/p>\n\n\n\n<p>This points program is the most flexible in Canada, allowing&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" href=\"\/?p=299437\">Apply Membership Rewards points<\/a> to any <strong>travel purchase<\/strong> on the card, as you wish (airline tickets, hotels, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/airbnb\/\">Airbnb<\/a>, car rentals, etc.) <strong>1,000 points<\/strong> are required to reduce the card balance by <strong>$10<\/strong>.<\/li>\n\n\n\n<li>To use the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">American Express Fixed Points Travel<\/a> for certain airplane tickets. Redemption rate is<strong> 1,000 points = $20<\/strong><\/li>\n\n\n\n<li><a target=\"_blank\" href=\"\/?p=299437\">Use Membership Rewards points<\/a> on <strong>everyday purchases<\/strong> charged to the card. The redemption rate is <strong>1,000 points = $10<\/strong>.<\/li>\n\n\n\n<li>Transfer points to other rewards programs (<a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Aeroplan,<\/a> <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/flying-blue\/\" target=\"_blank\" rel=\"noopener\">Air France KLM Flying Blue<\/a>, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/british-airways-club\/\">British Airways Executive Club<\/a>, Delta Skymiles, Asia Miles, Etihad Guest, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a>)<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-amex-benefits-lounge-access-priority-pass-travel-etc\">Other Amex benefits (lounge access, Priority Pass, travel, etc.)<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you benefit from the following advantages:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Mobile Device Insurance<\/li>\n\n\n\n<li>Book with The Hotel Collection for upgrades and credits at unique hotels<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you benefit from the following advantages:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$100 annual travel credit on American Express Online Travel Services (similar to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$200 annual credit on the American Express Platinum Card<\/a>)<\/li>\n\n\n\n<li>4 free admissions to Plaza Premium airport lounges in Canada per year<\/li>\n\n\n\n<li>Statement credit $50 NEXUS membership fee<\/li>\n\n\n\n<li>Free subscription to Priority Pass (after that, admission is charged)<\/li>\n\n\n\n<li>Special benefits (upgrade and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/car-rental-second-driver\/\" target=\"_blank\" rel=\"noopener\">free additional driver<\/a>) for car rental at Hertz<\/li>\n\n\n\n<li>Book with The Hotel Collection for upgrades and credits at unique hotels<\/li>\n\n\n\n<li>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is made of metal<\/li>\n\n\n\n<li>And you can decide the color of your card! Do you prefer it in <strong>Gold or Rose Gold<\/strong>?<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-gold-card-with-rewards\">Advantage: Gold card with rewards<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is designed for <strong>travelers<\/strong>.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is more a card for everyday purchases, without.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-promotional-offers\">Promotional Offers<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> both have <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">promotional offers<\/a>.<\/p>\n\n\n\n<p>American Express regularly offers savings to its cardholders. They are given on the basis of purchases from targeted retailers and according to each person&#8217;s purchasing profile:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>a discount (&#8220;Spend $100 or more and get a $30 credit&#8221;)<\/li>\n\n\n\n<li>bonus points (&#8220;Spend $50 and earn 1,000 bonus points&#8221;)<\/li>\n\n\n\n<li>a higher accumulation rate (&#8220;Earn 4 points per dollar, up to 4,000 bonus points&#8221;)<\/li>\n<\/ul><\/div>\n\n\n\n<p>There is no difference between the two cards. You may get certain offers on one card and not on the other, and vice versa.<\/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='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-travel-insurance-and-other-insurance\">Travel insurance and other insurance<\/h2>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Insurance<\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\"><img decoding=\"async\" class=\"aligncenter wp-image-162053\" title=\"cobalt card\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1-450x285.png\" alt=\"cobalt card\" width=\"190\" height=\"121\"><\/a><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\"><img decoding=\"async\" class=\"aligncenter wp-image-167270\" title=\"american express gold rewards card\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"american express gold rewards card\" width=\"190\" height=\"120\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png 480w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express-450x285.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express-200x127.png 200w\" sizes=\"(max-width: 190px) 100vw, 190px\" \/><\/a><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td>Trip Cancellation Insurance<\/td><td>&#8211;<\/td><td><strong>Up to $1,500<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Trip Interruption Insurance<\/td><td>&#8211;<\/td><td><strong>Up to $1,500<\/strong><\/td><\/tr><tr style=\"height: 48px;\"><td>Out-of-Province\/Country Emergency Medical Insurance<\/td><td>Up to $5,000,000<br>15 days<\/td><td>Up to $5,000,000<br>15 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>Up to $500<br>after 4 hours<\/td><td>Up to $500<br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Misdirected Baggage Insurance<\/td><td>Up to $500<br>after 6 hours<\/td><td>Up to $500<br>after 6 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Lost or stolen luggage insurance<\/td><td>Up to $500<\/td><td>Up to $500<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel Burglary Insurance<\/td><td>Up to $500<\/td><td>Up to $500<\/td><\/tr><tr style=\"height: 24px;\"><td>Car Rental Theft and Damage Insurance<\/td><td>Up to $85,000<\/td><td>Up to $85,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Travel Accident Insurance<\/td><td>250&nbsp;000&nbsp;$<\/td><td><strong>$500,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Protection Plan<\/td><td>1 additional year<\/td><td>1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td>Buyer\u2019s Assurance Protection Plan<\/td><td>Up to $1,000<br>90 days<\/td><td>Up to $1,000<br>90 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Standby medical concierge service<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><tr><td>Mobile Device Insurance<\/td><td>Up to $1,000<\/td><td>&#8211;<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-gold-card-with-rewards\">Advantage: Gold card with rewards<\/h5>\n\n\n\n<p>For travellers, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is the best card for insurance purposes. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> unfortunately does not offer trip cancellation and interruption insurance.<\/p>\n\n\n\n<p>However, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> offers an interesting insurance policy for mobile devices.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-amex-cobalt-vs-amex-gold-card-comparison\">Amex Cobalt vs Amex Gold card comparison<\/h2>\n\n\n\n<p>So? Which Card is the winner?<\/p>\n\n\n\n<p>For people who travel from time to time: the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>with its travel benefits and insurance!<\/p>\n\n\n\n<p>For everyday shopping, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the best.<\/p>\n\n\n\n<p>There&#8217;s no reason why you can&#8217;t have both, for a good combination.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> stands out thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Its <strong>unbeatable 5 X points accumulation rate<\/strong> in grocery stores, restaurants and bars<\/li>\n\n\n\n<li>To its mobile device insurance<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-gold-rewards-card\/\" target=\"_blank\" rel=\"noopener\">American Express<sup>MD<\/sup> Gold Rewards Card <\/a>stands out on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$100 annual travel credit<\/li>\n\n\n\n<li>Travel insurance<\/li>\n\n\n\n<li>Travel benefits (NEXUS credit, 4 free admissions per year to Plaza Premium airport lounges in Canada)<\/li>\n\n\n\n<li>Its beautiful Rose Gold card!<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\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='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620,22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\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'\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--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"300666,162805,64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\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=\"is_amex_cobalt_or_amex_gold_the_best_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs Amex Cobalt or Amex Gold the best card?\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>For everyday purchases, the American Express Cobalt Card is the best, offering 5X points at grocery stores and restaurants.<\/p>\n<p>For those who travel a few times a year, the American Express<sup>&reg;<\/sup> Gold Rewards Card is the ideal choice, thanks to its access to airport lounges across Canada and its comprehensive travel insurance benefits.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\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_card_delivers_a_better_long-term_return_on_travel_spending_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card delivers a better long-term return on travel spending?\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 <strong>American Express Gold Rewards Card<\/strong> wins on travel-specific spending thanks to <strong>2 points per dollar on travel<\/strong> plus a <strong>$100 annual travel credit<\/strong>, while the Cobalt&#8217;s travel multiplier dropped to <strong>1 point per dollar<\/strong> in October 2024.<\/p><p>For a household spending $5,000 annually on travel, that swing alone represents:<\/p><ul><li>Gold: <strong>10,000 Membership Rewards<\/strong> (worth $200+ at airline transfer rates) + $100 travel credit = <strong>$300 in value<\/strong><\/li><li>Cobalt: <strong>5,000 Membership Rewards<\/strong> = $100 in value<\/li><\/ul><p>Net annual cost favours the Gold by roughly $50 once you factor in fees and the travel credit. For non-travel everyday spending, Cobalt still leads.<\/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=\"should_i_switch_from_cobalt_to_gold_if_i_already_have_the_cobalt_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tShould I switch from Cobalt to Gold if I already have the Cobalt?\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>It depends on your spending pattern. Stay with the <strong>Cobalt<\/strong> if:<\/p><ul><li>Your monthly grocery + dining spend is <strong>$2,000+<\/strong> (you fully use the 5x cap)<\/li><li>You don&#8217;t travel enough to absorb the $100 travel credit<\/li><li>You value monthly billing flexibility<\/li><\/ul><p>Upgrade to the <strong>Gold<\/strong> if:<\/p><ul><li>You travel <strong>2+ times per year<\/strong> and book through the Amex travel portal<\/li><li>You spend <strong>$1,000+ monthly<\/strong> for the welcome offer thresholds<\/li><li>You&#8217;d benefit from <strong>4 Plaza Premium<\/strong> lounge passes per year<\/li><\/ul><p>Many advanced cardholders hold <strong>both cards simultaneously<\/strong>, using Cobalt for groceries and dining and Gold for travel and gas.<\/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_do_i_find_the_credit_card_that_matches_my_profile_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I find the credit card that matches my profile?\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>To compare these cards against other Canadian offers based on your criteria (annual fee, rewards type, minimum income), use <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/credit-cards\/\">our credit card comparator<\/a>. You can also browse <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/\">the best credit cards in Canada<\/a>, ranked monthly by the Milesopedia team.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of American Express Cobalt\u00ae Card and American Express\u00ae Gold Rewards Card.<\/p>","protected":false},"author":127,"featured_media":369605,"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-300697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":22620,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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between the American Express Cobalt Card and the American Express Gold Rewards Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-cobalt-vs-gold-american-express\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-22T05:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T14:53:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/04\/Cartes-Comparatifs-02-Amex-Cobalt-Amex-Or-Primes.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" 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