American Express Cobalt Card vs American Express Green Card

By   |   Verified by David Boyd   |   Updated 15 Aug 2023

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.

American Express Cobalt Card
 

On website

American Express Green Card
 

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
99
Card Type
American ExpressAmerican Express
Minimum Credit Limit
N/AN/A
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Points
15000 points10000 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 RewardsAmerican Express Rewards
Domestic Rewards Points Earn Rate
11
Benefits
Airport Lounge Access Included
YesNo
Concierge Service Included
YesYes
Cardholder's International Travel Insurance
YesYes
Complimentary Flight Voucher Included
NoNo
Introductory balance transfer
Balance Transfer Rate
N/AN/A
Balance Transfer Period
N/AN/A
Balance Transfer Fee
N/AN/A
Balance Transfer Limit
N/AN/A
Balance Transfer Revert Rate
N/AN/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
YesYes
Google Pay Enabled
YesYes
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
N/AN/A
Temporary Residents Accepted
NoNo