American Express
American Express Cobalt Card
Cash back · Travel points, earns Amex Membership Rewards points
Welcome offer
Verified · Oct 4Up to 15,000 Membership Rewards points
Earn 1,250 points for every billing month in the first 12 months that you spend $750, up to 15,000 points.
- Minimum spend
- $9,000 in 12 months
- Apply by
- Not stated
The annual fee is charged monthly at $15.99.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $191.88
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 21.99%
- Income requirement
- Not stated
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 4, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 4, 2026Up to 15,000 Membership Rewards pointsSpend $9,000 in 12 months · Annual fee $191.88
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 5× MR | about 5%–8% |
| Dining and delivery | 5× MR | about 5%–8% |
| Gas and EV charging | 2× MR | about 2%–3.2% |
| Recurring bills | 1× MR | about 1%–1.6% |
| Transit | 2× MR | about 2%–3.2% |
| Drugstores | 1× MR | about 1%–1.6% |
| Travel | 1× MR | about 1%–1.6% |
| Entertainment | 1× MR | about 1%–1.6% |
| Phone and internet | 1× MR | about 1%–1.6% |
| Streaming | 3× MR | about 3%–4.8% |
| Online shopping | 1× MR | about 1%–1.6% |
| Convenience stores | 5× MR | about 5%–8% |
| Office supplies | 1× MR | about 1%–1.6% |
| Other spending | 1× MR | about 1%–1.6% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Benefits
- Points transfer to airlines or hotels
- Yes
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $5,000,000, 15 day(s)
- Travel medical (age 64 and under)
- $5,000,000, 15 day(s)
- Travel accident
- $250,000
- Flight delay
- $500
- Baggage delay
- $500
- Lost baggage
- $500
- Rental car collision
- $85,000, 48 day(s)
- Hotel burglary
- $500
- Extended warranty
- 1 year
- Purchase protection
- $1,000, 90 day(s)
- Mobile device
- $1,000, 2 year(s)
Coverage amounts and number of days are as stated in the certificate of insurance.