{"id":415347,"date":"2024-11-04T12:36:00","date_gmt":"2024-11-04T17:36:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=415347"},"modified":"2026-05-09T08:30:55","modified_gmt":"2026-05-09T08:30:55","slug":"alternatives-cobalt-american-express","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/alternatives-cobalt-american-express\/","title":{"rendered":"American Express Cobalt Card: 5 Alternatives for Earning Points"},"content":{"rendered":"\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is one of the best credit cards in Canada for points enthusiasts, especially thanks to its generous rapid accumulation on restaurant and grocery store purchases.<\/p>\n\n\n\n<p>However, it has undergone some changes in recent months, notably with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/cobalt-american-express-cap-5x-multiplier\/\">monthly cap on the grocery and restaurant category<\/a>, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/cobalt-multiplier-travel-drop\/\">lowering of the multiplier on travel spending<\/a>, and more recently, the end of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/cobalt-amex-multiplier-outside-canada\/\">multipliers on foreign currency spending<\/a>. Although the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> remains an excellent credit card for quickly accumulating points, it&#8217;s important to explore other options as well. Here are five solid alternatives when the card is not accepted at your preferred retailer, or simply to complement your strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-for-subscriptions-and-utility-payments-mbna-rewards-world-elite-mastercard\">For Subscriptions and Utility Payments &#8211; MBNA Rewards World Elite Mastercard<\/h2>\n\n\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives 3 points per dollar on subscriptions to eligible streaming services.<\/p>\n\n\n\n<p>While the <a target=\"_blank\" title=\"MBNA Rewards World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>\" href=\"\/go\/mbna-rewards-world-elite-mastercard-qc\/\" rel=\"noindex\">MBNA Rewards World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> gives you 5 points per dollar on any qualifying purchases at the following shops:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Digital media (Amazon Prime, Google Play, Microsoft Store, Spotify, YouTube Premium, etc.);<\/li>\n\n\n\n<li>Subscriptions (Cardio energy, gym, Strava, Crave, Disney+, Netflix, etc.);<\/li>\n\n\n\n<li>Utilities (Fido, Fizz, Hydro Qu\u00e9bec via <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/products\/pay-bills-paysimply\/\">PaySimply<\/a>, Koodo, Rogers, Telus, Videotron, etc.).<\/li>\n<\/ul><\/div>\n\n\n\n<p>In addition, MBNA Rewards pays a 10% anniversary bonus on all points accumulated in the previous 12 months, up to a maximum of 15,000 points. It&#8217;s like earning <strong>5.5 points per dollar<\/strong>.<\/p>\n\n\n\n<p>This accumulation of 5 points is valid up to a maximum of $50,000 spent annually in these categories. That&#8217;s an average of about $4,167 per month. Over $50,001 in a calendar year, you&#8217;ll earn 1 point for every dollar spent.<\/p>\n\n\n\n<p>Then, redeem your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/mbna-rewards\/\" target=\"_blank\" rel=\"noopener\">MBNA Reward<\/a> points as follows:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Cash back to pay off your credit card: 120 points = $1 account credit<\/li>\n\n\n\n<li>To reimburse a travel purchase made on the MBNA platform: 100 points = $1 Statement credit to your account<\/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='m'\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 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=\"25774\"\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-for-restaurants-national-bank-world-elite-mastercard\">For Restaurants &#8211; National Bank World Elite Mastercard<\/h2>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives 5 points per dollar for restaurant, bar or bistro purchases. After $2,501 per month in spending, the accumulation is 1 point per dollar.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a> card offers 5 points per dollar spent at restaurants and grocery stores. This card also has a limit. For monthly purchases of $2,501 or more, you earn 2 points per dollar in this category. Plus, this credit card has the added benefit of being accepted everywhere, even at Costco (with an accumulation of one point per dollar).<\/p>\n\n\n\n<p>NBC Rewards points can be used to treat yourself to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Book a trip with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\" target=\"_blank\" rel=\"noopener\">\u00c0 la carte Travel<\/a> points;<\/li>\n\n\n\n<li>Reimburse any travel expenses;<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/invest-reward-points\/\" target=\"_blank\" rel=\"noopener\">Investing<\/a>;<\/li>\n\n\n\n<li>Merchandise and gift cards.<\/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='m'\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 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=\"401432\"\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<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=\"194706\"\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-for-groceries-scotiabank-gold-american-express-card\">For Groceries &#8211; Scotiabank Gold American Express Card<\/h2>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> gives 5 points per dollar for grocery store purchases and food delivery services. After $2,501 per month of spending, the accumulation falls to 1 point per dollar.<\/p>\n\n\n\n<p>With the <a target=\"_blank\" title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank<sup>&reg;<\/sup> Gold American Express<sup>&reg;<\/sup> Card<\/a>, it&#8217;s the same thing &#8230; with a little more! You earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>6 Scene+ points per dollar spent at Sobeys Group grocery stores (IGA, Voil\u00e0 par IGA, Rachelle-B\u00e9ry, Les March\u00e9s Traditions, Sobeys, Safeway, Thrifty Foods, etc.);<\/li>\n\n\n\n<li>or 5 Scene+ points per dollar spent at all other grocery stores, restaurants, and home food delivery.<\/li>\n<\/ul><\/div>\n\n\n\n<p>This accumulation of 5 or 6 points is valid up to a maximum of $50,000 spent annually in these categories. That&#8217;s an average of about $4,167 per month. Over $50,001 in a calendar year, you&#8217;ll earn 1 point for every dollar spent.<\/p>\n\n\n\n<p>We love Scene+ points for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/save-travel-sceneplus-points\/\">reimbursing any travel expenses<\/a> (hotel, plane ticket, Viator, car rental, etc.) or to pay your grocery bill at IGA and other stores.<\/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='compare'\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--compare 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=\"22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\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\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='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=\"248186\"\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-for-international-purchases-scotiabank-passport-visa-infinite-card\">For International Purchases &#8211; Scotiabank Passport Visa Infinite + Card<\/h2>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> accumulates 1 Membership Rewards point per dollar on all foreign purchases, regardless of category. In addition, it applies a foreign currency conversion fee of at least 2.5%, which is disadvantageous.<\/p>\n\n\n\n<p>To replace these inconveniences, the <a title=\"ScotiaGold Passport<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/scotiagold-passport-visa-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite*+ Card<\/a> offers to keep its multiplier of 2 Scene+ points per dollar at grocery stores, restaurants, on transportation and for entertainment purchases, both in Canada and around the world! For all other types of purchases, it accumulates 1 Scene+ point per dollar.<\/p>\n\n\n\n<p>Advantage, its foreign currency conversion charge is 0%.<\/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'\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 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=\"22642\"\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<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=\"402455\"\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-for-travel-bmo-ascend-world-elite-mastercard\">For Travel &#8211; BMO Ascend World Elite Mastercard<\/h2>\n\n\n\n<p>Since October 8, 2024, the accumulation rate for travel expenses of the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has been reduced from 2 points to 1 point per dollar.<\/p>\n\n\n\n<p>To get around this problem for large travel expenses, there&#8217;s the <a target=\"_blank\" title=\"BMO Ascend World Elite Mastercard\" href=\"\/go\/bmo-world-elite-mastercard\/\" rel=\"noindex\">BMO Ascend\u2122 World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> <\/a>BMO Points for Travel, which earns 5 BMO points per dollar on travel purchases (airfare, car rentals, cruises, hotels, trains, guided tours, travel agencies, etc.). For annual purchases of $15,001 or more, you earn 1 BMO point per dollar in this category.<\/p>\n\n\n\n<p>Redeem your BMO Rewards points to treat yourself to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Book a trip using your points on the BMO Rewards platform;<\/li>\n\n\n\n<li>Reimbursing any travel expense;<\/li>\n\n\n\n<li>Investing;<\/li>\n\n\n\n<li>Purchasing merchandise or a gift card.<\/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='m'\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 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=\"22672\"\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<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=\"333787\"\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-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>While the ever-popular <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is a wonderful option for many people, there are equally interesting alternatives to consider depending on your specific needs. Take the time to evaluate your expenses and needs, and see which credit card will best meet your objectives.<\/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-cobalt-alternatives\">Frequently Asked Questions about the alternatives to 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_look_for_an_alternative_to_the_american_express_cobalt_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy look for an alternative to the American Express Cobalt 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>The <a target=\"_blank\" href=\"\/?p=11814\">American Express Cobalt Card<\/a> is one of the strongest grocery and dining cards in Canada (5x Membership Rewards on those categories), but it has two limitations: it isn&#8217;t accepted at Costco and the $12.99 monthly fee adds up to $155.88 a year. Households who shop primarily at Costco, who want a single card with no monthly fee, or who can&#8217;t access American Express at their preferred merchants typically need a Mastercard or Visa alternative \u2014 usually the MBNA Rewards World Elite or the National Bank World Elite \u2014 to cover their spending.<\/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_cobalt_alternative_is_best_for_grocery_and_restaurant_spending_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich Cobalt alternative is best for grocery and restaurant spending 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 <a target=\"_blank\" href=\"\/?p=11816\">Scotiabank Gold American Express Card<\/a> is the closest match. It earns 6 Scene+ points per dollar at Sobeys-group stores and 5 points per dollar at any other grocery store, restaurant or food delivery service, up to $50,000 a year combined. Scene+ points are worth roughly 1 cent each toward travel or grocery redemptions, so the effective return is 5-6%. The annual fee is $120, and it includes solid travel insurance and a discount on car rentals \u2014 a near-equivalent to the Cobalt without the monthly billing.<\/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_cobalt_alternative_works_at_costco_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich Cobalt alternative works at Costco 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>Two Mastercard options on the alternatives list work at Costco: the <a target=\"_blank\" href=\"\/?p=11826\">MBNA Rewards World Elite Mastercard<\/a> and the National Bank World Elite Mastercard. The MBNA earns 5 points per dollar (1% return) on groceries, dining, digital media and household utilities, while the National Bank earns 5 points per dollar on dining and groceries. Both run through the Mastercard network, so they&#8217;re accepted at Costco warehouses and gas bars. Costco purchases earn the base 1 point per dollar \u2014 not the 5x category bonus.<\/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_does_redeeming_mbna_rewards_points_compare_to_american_express_membership_rewards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow does redeeming MBNA Rewards points compare to American Express 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>MBNA Rewards points are worth a flat 1 cent each, regardless of how you redeem (cash back, statement credit, travel, gift cards). American Express Membership Rewards points earned on the Cobalt are worth more on travel transfers \u2014 typically 1.4 to 2 cents per point when transferred to Aeroplan, British Airways Avios or Marriott Bonvoy. MBNA is simpler but caps the upside; Membership Rewards take more effort but unlock better redemption value, especially for premium-cabin flights and sweet-spot Aeroplan awards.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-go-further-with-membership-rewards\">Go further with American Express Membership Rewards<\/h2>\n\n\n\n<p>To maximize your Membership Rewards earning, check our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">complete American Express Membership Rewards program guide<\/a> and our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/membership-rewards\/\">best American Express Membership Rewards credit cards ranking<\/a>, updated monthly by the Milesopedia team.<\/p>","protected":false},"excerpt":{"rendered":"<p>Let&#8217;s explore the five best alternatives to the American Express Cobalt card, to help you choose a card that will maximize your rewards.<\/p>","protected":false},"author":127,"featured_media":415431,"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":[690,702,705,700,697],"class_list":["post-415347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_loyalty_program-american-express-membership-rewards","mc_loyalty_program-bmo-rewards","mc_loyalty_program-mbna-rewards","mc_loyalty_program-bnc-rewards","mc_loyalty_program-sceneplus","mc_market-all-of-canada","post_region-canada-en","travel_type-budget-travel"],"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) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>American Express Cobalt Card: 5 Alternatives for Earning Points | Milesopedia<\/title>\n<meta name=\"description\" content=\"Let&#039;s explore the 5 best alternatives to the Cobalt card, to help you choose a card that will maximize your rewards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/alternatives-cobalt-american-express\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Express Cobalt Card: 5 Alternatives for Earning Points\" \/>\n<meta property=\"og:description\" content=\"Let&#039;s explore the 5 best alternatives to the Cobalt card, to help you choose a card that will maximize your rewards.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/alternatives-cobalt-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=\"2024-11-04T17:36:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T08:30:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/11\/Cartes-Credit-1024x538-03.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Caroline Tremblay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/\"},\"author\":{\"name\":\"Caroline Tremblay\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\"},\"headline\":\"American Express Cobalt Card: 5 Alternatives for Earning Points\",\"datePublished\":\"2024-11-04T17:36:00+00:00\",\"dateModified\":\"2026-05-09T08:30:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/\"},\"wordCount\":1237,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Cartes-Credit-1024x538-03.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/alternatives-cobalt-american-express\\\/\",\"name\":\"American Express Cobalt Card: 5 Alternatives for Earning Points - 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