{"id":454959,"date":"2025-07-10T12:32:00","date_gmt":"2025-07-10T16:32:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=454959"},"modified":"2026-05-09T08:31:58","modified_gmt":"2026-05-09T08:31:58","slug":"amex-gold-rewards-vs-amex-cobalt","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/amex-gold-rewards-vs-amex-cobalt\/","title":{"rendered":"Amex Gold Rewards Card vs. Amex Cobalt Card 2026: Why Gold Regains the Advantage"},"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> has long been a staple in our wallet, thanks to its exceptional earn rates and the flexibility of its points. But the landscape is rapidly changing, and the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is regaining ground.<\/p>\n\n\n\n<p>If you&#8217;ve been following Milesopedia for a while, you probably know that welcome offers and credit cards evolve over time; sometimes cyclically, and other times unexpectedly.<\/p>\n\n\n\n<p>In this article, we&#8217;ll give you the lowdown on the evolution of these two cards to see which is currently more advantageous.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-amex-gold-vs-amex-cobalt-two-distinct-cards\">Amex Gold vs Amex Cobalt &#8211; Two Distinct Cards<\/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> is all about long-term earning speed. With 5 points per dollar on groceries and restaurants, it turns your everyday spending into a points machine.<\/p>\n\n\n\n<p>The goal? To quickly earn a large number of points. For those who spend a lot on groceries and restaurants (think families or entrepreneurs who go out often), the Cobalt can generate a large amount of points without any particular effort.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has often been overshadowed by the Cobalt due to its advantageous earning potential. However, it positions itself as a slightly more premium card with attractive travel benefits: an annual $100 travel credit, 2 points per dollar on travel purchases, complimentary airport lounge access, and much more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-amex-gold-vs-amex-cobalt-where-the-gold-rewards-card-wins\">Amex Gold vs Amex Cobalt &#8211; Where the Gold Rewards Card Wins<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-welcome-offer\">Welcome Offer<\/h3>\n\n\n\n<p>The current welcome offer for the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is high, with the possibility to <strong>get up to 60,000 Membership Rewards points<\/strong>! This is a value of <span class=\"nowrap\">$600<\/span> for travel or any purchase made on the Card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>5,000 Membership Rewards points per month<\/strong> when you spend $1,000 in net purchases on your Card, for 12 months (a total of <strong>60,000 points in the first year<\/strong>)<\/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=\"22620\"\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<p>The current welcome offer from <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> welcome offer is up to 15,000 Membership Rewards points.<\/p>\n\n\n\n<p>The welcome bonus is distributed monthly for the first 12 months. You&#8217;ll earn <span class=\"nowrap\">1,250<\/span> Membership Rewards points for every <span class=\"nowrap\">$750<\/span> in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That&#8217;s up to <strong><span class=\"nowrap\">15,000<\/span> Membership Rewards points<\/strong>.<\/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=\"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<p>With a total difference of <strong>45,000 Membership Rewards points<\/strong> between the two welcome offers, it goes without saying that the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> stands out significantly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-concrete-example\">A Concrete Example<\/h3>\n\n\n\n<p>Take, for example, a monthly family budget of $2,000, which would be enough to unlock any of the welcome offers.<\/p>\n\n\n\n<p>The budget is divided as follows:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$800 for groceries<\/li>\n\n\n\n<li>$200 at drug stores<\/li>\n\n\n\n<li>$100 for streaming services<\/li>\n\n\n\n<li>$300 for transportation<\/li>\n\n\n\n<li>$400 for other expenses<\/li>\n\n\n\n<li>$200 for travel (not necessarily spent every month, but just to get an idea)<\/li>\n<\/ul><\/div>\n\n\n\n<p>According to the multipliers of each card, this represents a total of:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>3,500 base points for the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/li>\n\n\n\n<li>5,700 base points for 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><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-year-1\">Year 1<\/h4>\n\n\n\n<p>So here are the points that can be earned with each of the cards following the previous budget, for the first year:<\/p>\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 class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">Amex Gold with Rewards<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amex Cobalt<\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Month<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Base points<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bonus points<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Base points<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Bonus points<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">6<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">8<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">9<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">10<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">11<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">12<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,250<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>102,000 Membership Rewards points<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>83,400 Membership Rewards points<\/strong><\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>With this budget, the Gold Rewards Card surpasses the Cobalt Card in terms of accumulation. You could get a total of:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>102,000 Membership Rewards points<\/strong> with the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> or<\/li>\n\n\n\n<li><strong>83,400 Membership Rewards points<\/strong> with 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><\/li>\n<\/ul><\/div>\n\n\n\n<p>This is simply a simulation. It&#8217;s up to you to make your own calculations based on the breakdown of your monthly expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-travel-rewards\">Travel Rewards<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-travel-points\">Travel points<\/h4>\n\n\n\n<p>Membership Rewards points have a fixed value of <strong>1,000 points per $10<\/strong> when redeemed for statement credit. However, they are flexible points that can be <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">transferred to many airline and hotel programs<\/a>: Aeroplan, Flying Blue, British Airways Club, Marriott Bonvoy and Hilton Honors, among others.<\/p>\n\n\n\n<p>By transferring points, it is often possible to achieve greater value for each point redeemed. For example, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">Milesopedia estimates that one Aeroplan point is worth 2 cents<\/a> when used to purchase a flight. With a 1:1 transfer ratio, you can indirectly obtain 2 cents per Membership Rewards point (or potentially even more) with Aeroplan.<\/p>\n\n\n\n<p>If we take the example of <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>you can earn the equivalent of:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>60,000 Aeroplan points<\/li>\n\n\n\n<li>60,000 Avios<\/li>\n\n\n\n<li>45,000 Flying Blue Miles<\/li>\n\n\n\n<li>72,000 Marriott Bonvoy points<\/li>\n<\/ul><\/div>\n\n\n\n<p>Certain promotions maximize the value of these points, such as the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/marriott-transfer-bonus\/\">transfer bonus to Marriott Bonvoy<\/a>, or <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/flying-blue-promo-rewards\/\">Flying Blue Promo Rewards<\/a>, which enable you to save on the price of an award ticket.<\/p>\n\n\n\n<p>If you\u2019re planning to travel, it goes without saying that the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is to be favoured, especially since it earns <strong>2 points per dollar on travel expenses.<\/strong> As for the Cobalt, the multiplier on travel expenses has been <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/cobalt-multiplier-travel-drop\/\">reduced to the base rate<\/a> as of October 2024, i.e. to 1 point per dollar.<\/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=\"393549\"\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<h4 class=\"wp-block-heading\" id=\"h-annual-travel-credit\">Annual Travel Credit<\/h4>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> offers a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-annual-travel-credit\/\">$100 annual travel credit<\/a>, which the Cobalt does not. In a way, this offsets the <strong>Amex Gold Rewards Card<\/strong>\u2018s higher annual fee of $250.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-access-to-airport-lounges\">Access to Airport Lounges<\/h4>\n\n\n\n<p>Another travel benefit offered by the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> that the <strong>Amex Cobalt<\/strong> doesn&#8217;t have: a subscription to Priority Pass and 4 complimentary annual visits to the Plaza Premium lounges.<\/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'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"226819,246105\"\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><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<h4 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h4>\n\n\n\n<p>Once again, the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is more advantageous in terms of insurance for travellers. The only advantage of the <strong>American Express Cobalt<sup>&reg;<\/sup> Card<\/strong> is that it provides mobile device insurance up to $1,000.<\/p>\n\n\n\n<p>Here is a comparison of the insurance offered by the two cards:<\/p>\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-450x285.png\" alt=\"cobalt card\" width=\"190\" height=\"121\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-200x127.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card.png 480w\" sizes=\"(max-width: 190px) 100vw, 190px\" \/><\/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\n15 days<\/td><br><td>Up to $5,000,000<br>15 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>Up to $500\nafter 4 hours<\/td><br><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>Baggage loss or theft 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>Rental car 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>$250,000<\/td><td><strong>$500,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Protection<\/td><td>1 additional year<\/td><td>1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Guarantee<\/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<h4 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/h4>\n\n\n\n<p>Other travel advantages give the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> a head start:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>A $50 statement credit for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\">NEXUS<\/a> membership every 4 years.<\/li>\n\n\n\n<li>Hertz <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/car-rental-credit-card-discount\/\">car rental benefits<\/a>, i.e. Gold Plus Rewards status, which gives you access to discounts, upgrades subject to availability, and simplified rental management with accelerated service.<\/li>\n\n\n\n<li>A USD 100 credit to be used at the hotel when <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/the-hotel-collection-american-express\/\">booking with The Hotel Collection<\/a>.<\/li>\n<\/ul><\/div>\n\n\n\n<p>These are the little extras that ultimately make a difference for travelers.<\/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'\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 container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"173755,445137\"\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><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<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=\"22620\"\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-amex-gold-vs-amex-cobalt-where-amex-cobalt-remains-relevant\">Amex Gold vs Amex Cobalt &#8211; Where Amex Cobalt Remains Relevant<\/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> has long been one of the cards we keep in our wallets year after year. Here\u2019s why it\u2019s still a great card to use for rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-earning-potential\">High Earning Potential<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5x-points-at-grocery-stores-and-restaurants\">5x Points at Grocery Stores and Restaurants<\/h4>\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> is one of the very few credit cards in Canada to offer a 5 points per dollar multiplier at grocery stores, restaurants and with food delivery services.<\/p>\n\n\n\n<p>That&#8217;s a minimum of 5% return on these expenses, which often account for a significant portion of a budget. And, as demonstrated in this article, the flexibility of these points can easily increase their value. For example, if they are transferred to Aeroplan and then used to purchase a flight valued at 2 cents per point, we are talking about a 10% return on food-related purchases!<\/p>\n\n\n\n<p>Plus, by using <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\">the gift card trick<\/a>, it&#8217;s possible to get a similar return on other everyday purchases.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p><strong>Important to know<\/strong>: the 5 points per dollar multiplier category has a <strong>monthly cap of <span class=\"nowrap\">$2,500<\/span> per month<\/strong>. It is therefore important to demonstrate normal purchasing behaviour so as not to risk finding yourself targeted by <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/financial-review-american-express\/\">Amex for a financial review<\/a> that could lead to unpleasant consequences.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>Indirectly, it&#8217;s the card in Canada with the highest accumulation of points for a number of airline and hotel loyalty programs. In this article, we explain <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/amex-cobalt-partners-transfer\/\">how you can earn up to 3.25 X points for over 40 airlines with the Amex Cobalt<\/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=\"421959\"\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<h4 class=\"wp-block-heading\" id=\"h-other-multipliers\">Other Multipliers<\/h4>\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> is still very advantageous on everyday spending, offering 3 points per dollar on streaming services: Spotify, Netflix, Crave, etc.<\/p>\n\n\n\n<p>It also offers 2 points per dollar on gas, public transit and ride sharing purchases in Canada.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/h4>\n\n\n\n<p>The <strong>American Express Cobalt<sup>&reg;<\/sup> Card<\/strong> offers other advantages that are shared by other American Express cards:<\/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\/rewards\/special-offers\/american-express-offers\/\">Online Amex offers<\/a> for statement credits at many retailers<\/li>\n\n\n\n<li>Access to the Front of the Line program<\/li>\n\n\n\n<li>Access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/the-hotel-collection-american-express\/\">The Hotel Collection<\/a> including a USD 100 credit to use at the hotel<\/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-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-amex-gold-rewards-or-amex-cobalt-the-verdict\">Amex Gold Rewards or Amex Cobalt? &#8211; The Verdict<\/h2>\n\n\n\n<p>Taking into account the current welcome offers of both cards, combined with the advantages of each, it is more advantageous to go with the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a>.<\/p>\n\n\n\n<p>Not only is it possible to save over $600 on your next trip thanks to the reward points granted, but you will also benefit from significant advantages, such as airport lounge access, an annual travel credit, and a comprehensive range of travel insurance. You will also earn 2 points per dollar for every travel expense.<\/p>\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> remains an excellent card to have in your wallet, but is simply not as generous with its current welcome bonus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>Due to current welcome offers, the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> is more generous in terms of rewards, and more advantageous for travellers. 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 a very good option for accumulating points on a daily basis.<\/p>\n\n\n\n<p>It is important to respect the terms and conditions of the American Express loyalty program; that is, not to misuse it. Behaviors considered abusive may include:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Applying for several American Express cards in the same year<\/li>\n\n\n\n<li>Upgrading from the Cobalt Card to the Gold Rewards Card, then re-applying for the Amex Cobalt<\/li>\n\n\n\n<li>Having a credit history <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/american-express-card-refusal\/\">that shows very frequent credit card openings and closings<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>For a detailed analysis of each card&#8217;s features, see our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-cobalt-vs-gold-american-express\/\">comparison of the Gold Rewards Card and the Cobalt Card<\/a>.<\/p>\n\n\n\n<p>Ultimately, while the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> outperforms the Cobalt Card in this analysis, the important thing is to apply for it to take advantage of its <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/new-amex-gold-card-welcome-offer\/\">high welcome offer<\/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=\"22620\"\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__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_it_better_to_choose_amex_gold_or_cobalt_for_travel_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs it better to choose Amex Gold or Cobalt for travel?\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 Amex Gold is clearly superior for travel with its $100 annual credit, Priority Pass lounge access, and 2 points per dollar on travel spend. The Cobalt offers only 1 point per dollar on travel since October 2024.<\/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=\"what_are_the_annual_fees_for_the_amex_gold_vs_cobalt_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the annual fees for the Amex Gold vs. 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 Gold Rewards Card has an annual fee of $250 but includes a $100 travel credit that reduces the net cost. The Cobalt Card has annual fees of $191.88, depending on province of residence, and no offset credit, but offers faster accumulation on groceries and restaurants.<\/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=\"can_i_switch_from_the_cobalt_card_to_the_amex_gold_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I switch from the Cobalt Card to the Amex Gold 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>Yes, American Express sometimes offers an upgrade offer to switch from the Cobalt Card to the Gold Card. However, you must respect American Express&#8217;s terms and conditions, and therefore not reapply for the Cobalt Card shortly after accepting the offer.<\/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=\"why_does_the_gold_rewards_card_regain_the_advantage_in_2026_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhy does the Gold Rewards Card &#8216;regain the advantage&#8217; in 2026?\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>Three changes shifted the math in favour of the <strong>Amex Gold Rewards Card<\/strong>:<\/p><ul><li>The <strong>Cobalt&#8217;s travel earn rate dropped to 1x<\/strong> in October 2024, while Gold kept its <strong>2x on travel<\/strong><\/li><li>The <strong>Gold welcome bonus expanded to up to 60,000 Membership Rewards points<\/strong>, four times Cobalt&#8217;s 15,000-point ceiling<\/li><li>Gold&#8217;s <strong>$100 annual travel credit<\/strong> on the Amex Travel portal effectively reduces the net fee to <strong>$150 per year<\/strong><\/li><\/ul><p>For travellers, the Gold now delivers more upfront value (60,000 points = ~$1,200 at premium-cabin transfer values) and stronger ongoing earn on travel, lounge access via Priority Pass, and 4 free Plaza Premium passes annually.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\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>Which should you choose between the American Express Cobalt Card or the American Express Gold Rewards Card? From welcome offers to travel benefits, find the best card for your needs.<\/p>","protected":false},"author":2464,"featured_media":454809,"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],"class_list":["post-454959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_loyalty_program-american-express-membership-rewards","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":22620,"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>Amex Gold Rewards Card vs. Amex Cobalt Card 2026: Why Gold Regains the Advantage | Milesopedia<\/title>\n<meta name=\"description\" content=\"Which should you choose between the Amex Cobalt Card and the Amex Gold Rewards Card? 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