Rewards
Base earn rate1 point per $1 on all eligible purchases
ProgramMembership Rewards Points
Welcome bonusEarn up to 15,000 Membership Rewards points by earning 1,250 Membership Rewards points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cobalt Cardmember. This could add up to 15,000 points in a year.
Rewards typepoints
Fees & rates
Annual fee$191.88
Additional card$0
Purchase interest rate21.99%
Cash advance rate21.99%
Foreign transaction fee2.5% (typical)
Standout perks
🎩
24/7 Customer Service
⭐
Hotel Benefits
⭐
Dining & Entertainment Benefits
⭐
Shopping Benefits
⭐
Fraud Protection Guarantee
⭐
Buyer's Assurance Protection Plan
⭐
Emergency Card Replacement
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
hotel burglary
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident