The main difference between the American Express Cobalt Card and the American Express Aeroplan Card lies in their reward structures and perks. While both cards offer enticing benefits, they showcase distinct features that cater to different spending preferences and travel aspirations.
The Cobalt Card shines with its flexible rewards system tailored for everyday spenders. Users can earn rewards in various categories, from dining and groceries to travel and transit. Its Membership Rewards program adds a burst of versatility to your earnings, with the ability to transfer points to different airline and hotel partners. Plus, the card boasts diverse perks, making it an ideal choice for those seeking a mix of rewards and lifestyle benefits.
On the other hand, the Aeroplan Card hones in on avid travelers, especially those with a penchant for flying. With a focus on Aeroplan points accumulation, this card offers a pathway to exciting travel experiences. Earn points through travel-related expenses and enjoy perks like airport lounge access and priority boarding. The card's partnership with Aeroplan brings unique redemption opportunities and exclusive flight benefits, catering to jet-setters aiming for memorable adventures.
When it comes to fees, both cards have their own structures, so it's crucial to consider how your spending habits align with these costs. Additionally, each card flaunts its introductory offers and bonuses, providing a head start on accumulating rewards. These bonuses can serve as a tantalizing incentive to kick off your credit card journey.
In a nutshell, the American Express Cobalt Card and the American Express Aeroplan Card offer distinct avenues to rewards and benefits. Your choice depends on whether you seek a versatile rewards system with various lifestyle perks or a card tailored for travel enthusiasts, complete with exclusive flight-related advantages. It's all about finding the card that complements your financial style and aspirations.
 On website |  On website |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | Designed with frequent flyers in mind, offering substantial rewards and travel benefits tied to the Aeroplan loyalty program |
| Basics | |
| Additional Cardholders | |
| 9 | 9 |
| Card Type | |
| American Express | American Express |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 30000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $3,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible purchases on your Card in the first 3 months. Plus, 10,000 Aeroplan points when you spend $1,000 in purchases in month 13 of Cardmembership, giving you a total of 40,000 points |
| Rewards | |
| Rewards Program | |
| American Express Rewards | American Express Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | Yes |
| Concierge Service Included | |
| Yes | No |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | N/A |
| Purchase Rate Ongoing | |
| 21.99% p.a. | N/A |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $120.00 |
| Foreign Exchange Fee | |
| $2.50 | $2.50 |
| Late Payment Fee | |
| $38.00 | $38.00 |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | N/A |
| Temporary Residents Accepted | |
| No | No |
