American Express Cobalt Credit Card
	Annual Fee $120	Interest Rate 19.99%	Min Income Any	Apply Now on American Express's secure website
Offer Details $10 per month of credit card membership ($120 annually) In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year. Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B Earn 1 point for every $1 in Card purchases everywhere else. We won’t tell you where to spend, we’ll just reward you on your Card purchases Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies. Plus, more great perks. Redeeming points for travel is easy and painless with the ability to redeem points for any flight, anywhere and anytime with no restrictions. Or points can be used to pay for virtually any purchase right on the mobile app, whether it’s a trip, their monthly streaming subscription, or a new outfit. Supplementary Cards can be added at no additional cost. So, add that special someone to your account and their Card purchases can help you rack up your points even faster. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply Our Rating: Card Facts Network: American Express Institution: American Express Card Type: Rewards Reward Types: Travel, Cash, Store Credit Reward Point Value: $0.01 Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 3.00%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Household Income: $0 Insurance Travel Accident: Included Travel Cancelation: Not available Travel Medical: Included Travel Intrerruption: Not available Flight Delay: Included Baggage: Included Rental Vehicle: Included

The American Express Global Network is the third largest proprietary global electronic payment network in the world. Because American Express is also a bank in most cases the American Express credit card with be issued by American Express's proprietary bank. Cardholders are charged a 2.7% international transaction fee for transactions over the network. American Express is known to offer additional benefits and rewards for those that are willing to pay a higher membership cost.

The purchase interest rate for this credit card is: 19.99% percent annually. The transfer balance interest rate is: 3.00% per year. Also the cash advance rate is: 22.99% per year.

Travel accident insurance is included on this card. Travel accident insurance is a policy specialized for travel accidents that could occur when traveling abroad. Travel accident policies can cover your family while purchasing tickets on common transportation carriers such as airplanes, buses, boats and trains on your credit card.

Travel medical insurance is included on this card. This type of insurance policy protects you and your family in the event that you need to receive urgent medical care while you are traveling. Expenses such as transportation fees, hospital stays, doctor's bills, prescriptions and many other medical situation can be incurred by booking trips on this credit card.

Flight delay insurance is also included on this card. This policy provides coverage in case your flight is delayed and you incur costs related to this unexpected event. Most cards only cover you up to a fixed amount per day that can be used towards meals and accommodations.

Delayed baggage insurance is included on this card. As it can be guessed from the name, this type of insurance protects travels against the loss or delay of checked baggage that is not delivered in a set amount of time. Normally credit cards offering this type of insurance have a maximum allowance for re-inbursement.

Car rental insurance is also included on this card. Collision and damage coverage is a popular feature on credit cards that can save you money. Without this insurance policy you could be spending anywhere from $16 - $25 per day for vehicle insurance if you don't have this coverage. However it's important to note that most credit cards do not provide liability coverage therefore any damage to other cars, property or people would not be covered.

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