American Express
American Express Cobalt Card
≈ $864.72 a year after fees, on a typical budget
- Annual fee
- $155.88
- Earns
- American Express Membership Rewards
- FX fee
- 2.5%
- 5×Eats & drinks *
- 3×Streaming
- 2×Gas, transit & travel
- 1×Everything else
The Platinum Card
- Yearly value, after fees
- ≈ −$399.40
- Annual fee
- $799.00/year
- Foreign transaction fee
- 2.5%
- Network
- American Express
Earn rates
| On | Earns |
|---|---|
| Dining & food delivery | 2 pts/$ |
| Travel | 2 pts/$ |
| Everything else | 1 pts/$ |
"pts/$" means points per dollar. Rewards are earned in American Express Membership Rewards points.
What it earns in a year
On a typical Canadian budget of $1,850 a month, at Fruga's default value of 1.5¢ per American Express Membership Rewards point:
- Rewards
- $399.60
- Annual fee
- − $799.00
- Net yearly value
- −$399.40
Welcome bonuses are not included. How we calculate this.
Fine print
- Category earning depends on merchant coding.
More from American Express
American Express
American Express Gold Rewards Card
≈ $255.80 a year after fees, on a typical budget
- Annual fee
- $250
- Earns
- American Express Membership Rewards
- FX fee
- 2.5%
- 2×Travel, gas, grocery & drugstore
- 1×Everything else
American Express
American Express SimplyCash Preferred Card
≈ $511.32 a year after fees, on a typical budget
- Annual fee
- $119.88
- Earns
- Cash back
- FX fee
- 2.5%
- 4%Gas & grocery *
- 2%Everything else