American Express Cobalt® Card

Terms & Conditions
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1. Up to 15,000 Welcome Bonus: This offer is only available to new American Express Cobalt Cardmembers. For current or former American Express Cobalt Cardmembers, we may approve your application, but you will not be eligible for the Membership Rewards points offers available in the first 12 months of Card Membership. Offer subject to change. To qualify for 1,250 points for each monthly billing period in your first year of Cardmembership, you must have at least $750 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Nov 13 to Dec 12, a purchase made on Dec 12th (transaction date) and posts on Dec 13th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Nov 13 to Dec 12 period was your 12th monthly billing period, then the purchase made on Dec 12 and posting on Dec 13 would not count toward this offer. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.

Up to 10,000 Points on Eligible Eats & Drinks: This offer is only available to members of the party promoting this offer. American Express reserves the right to revoke the welcome bonus (or other bonus, if applicable) if we determine that: (i) you are not a member of the party promoting this offer, (ii) you did not apply through the referring site; or (iii) you acted in a manner that is inconsistent with the intent of the offer. Offer cannot be combined with any other offer. For current or former American Express Cobalt Cardmembers, we may approve your application, but you will not be eligible for the Additional Bonus Points. Offer valid for applications received by American Express through the link provided on this webpage. You can earn 5 additional Membership Rewards points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business on your Cobalt Card, up to a combined maximum for (i), (ii) and (iii) of 10,000 points in the first three (3) months of Cardmembership. Reference to 10 Membership Rewards points on eligible eats & drinks includes this offer combined with the standard earn rate. Once the combined maximum is reached or after three (3) months of Cardmembership, whichever comes first, you will no longer earn bonus points on these categories and will continue to earn at the standard earn rate on these categories. Supplementary Card purchases count towards the 10,000 points threshold.

2. Use Points for Purchases: You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for Online Services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases, will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1 800 668 AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.

3. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero on the 1st of each month. Earn 3 points for every $1 on eligible streaming subscriptions at select providers in Canada. The current list of providers is available at americanexpress.ca/streaming. Purchases with merchants that are not on the list or that are on the list but bundled with another product or service or billed by a third party such as a digital platform or a cable, telecommunications or internet provider, or a car manufacturer, are not eligible. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.

4. Valid at participating hotels for new bookings of at least two consecutive nights made through Platinum Card Travel Service, Personalized Travel Service, Centurion Travel, americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Platinum, Supplementary Canadian Platinum, Canadian Gold Rewards, Supplementary Canadian Gold Rewards, Canadian Cobalt, Supplementary Canadian Cobalt, Canadian Business Platinum, Supplementary Canadian Business Platinum, Canadian Business Gold Rewards, Supplementary Canadian Business Gold Rewards, or Canadian Centurion Cardmember’s name at time of checkout. The Platinum, Gold Rewards, Cobalt, Business Platinum, Business Gold Rewards, or Centurion Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the credit as deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Amenities vary by property and facilities available. Eligible charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay. (2) A one category room upgrade is based on availability and eligibility at check-in to the hotel. Three-room limit per Cardmember per stay. Back-to-back stays booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Participating hotels and benefits subject to change.

Featured Hotels Terms and Conditions

All featured hotel prices, benefits, offers, and availability are accurate at the time first displayed on the American Express Travel website. While every effort is taken to ensure hotel inventory, benefits, and offers remain accurate, prices and availability may change at any time, and are dependent on third party inventory. Hotel pricing, benefits, offers, and availability are not guaranteed until the receipt of your booking confirmation email. Hotel bookings and associated benefits and offers are subject to availability and respective cancellation policies of the hotel. The respective hotel is responsible for the fulfilment of eligible benefits and offers. You can view the hotel’s cancellation policy when you review your itinerary prior to check-out. All bookings subject to the American Express Online Travel website terms and conditions. Rules, restrictions and blackout dates may apply.

American Express Terms & Conditions

Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.

5. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law. 6. Available to select American Express Cards issued by Amex Bank of Canada. The following cards are not eligible: American Express Corporate Cards, American Express^® Gift Cards, Prepaid Cards and any cards not issued by Amex Bank of Canada are not eligible. Member extra benefits vary by product and are subject to terms and conditions. Registration and spend using an eligible Card are required. All benefits are contingent on satisfying the criteria outlined in the offer terms and conditions. Available for a limited time. For up-to-date information on Member extras, visit https://www.americanexpress.com/en-ca/benefits/member-extras/cobalt-card/.

^®TM: Used by Amex Bank of Canada under license from American Express.