The main difference between the American Express Cobalt Card and the American Express Green Card lies in their rewards structure and benefits. While both offer enticing perks, some striking differences cater to distinct preferences. When it comes to rewards, the Cobalt Card shines with its flexible points system, allowing you to earn points on various categories like dining, groceries, and travel. In contrast, the Green Card offers a broader spectrum of travel-focused rewards, making it an ideal choice for jet setters and explorers.
Regarding charges, the Cobalt Card provides a manageable monthly fee, rendering it a cost-effective choice for individuals aiming to optimize rewards without straining their finances. In contrast, the Green Card boasts a $0 yearly fee, offering a favorable arrangement along with the added advantage of granting cardholders access to its top-tier travel-related perks and services. Both cards may feature introductory offers and bonuses that are subject to change, so it's essential to stay updated on the latest promotions. The Cobalt Card might entice you with bonus points on initial spending, while the Green Card could offer exclusive access to airport lounges and hotel upgrades.
What sets the Cobalt Card apart is its emphasis on day-to-day spending and lifestyle rewards, appealing to those who want rewards beyond travel. On the other hand, the Green Card's focus on travel perks and premium services caters to individuals who prioritize luxury travel experiences.
In a nutshell, whether you're a frequent traveler seeking upscale travel benefits or someone who enjoys diverse rewards for everyday spending, the choice between the American Express Cobalt Card and the American Express Green Card ultimately depends on your unique preferences and financial goals.
 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. | Experience a world of benefits, earn points, and enjoy fantastic rewards, all with no annual fee. |
| 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 | 10000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $1,000.00 |
| 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 for the first 3 months |
| Rewards | |
| Rewards Program | |
| American Express Rewards | American Express Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| 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. | 21.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 21.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $0.00 |
| 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 |
