Afterward this 12 months, there might be some modifications to the annual price charged on the American Categorical Cobalt Card.
For Canadians outdoors of Quebec, the month-to-month price is growing by $3 monthly, and Quebec residents might be charged a further $41.88 for the annual price in comparison with what’s charged in the present day.
Whereas it’s by no means good to see a price enhance, the American Categorical Cobalt Card stays the strongest journey rewards bank card in Canada, and it’ll proceed to supply outsized worth.
Upcoming Adjustments to the American Categorical Cobalt Card
As of November 5, 2025, there might be some modifications to the annual price construction on the American Categorical Cobalt Card.
At present, non-Quebec residents are charged a month-to-month price of $12.99 monthly, which provides as much as $155.88 yearly. In the meantime, Quebec residents are charged a $150 annual price (which was launched earlier this summer time).
Transferring ahead, the month-to-month price for Canadians outdoors of Quebec might be bumped as much as $15.99, which provides as much as $191.88 yearly. This marks a 23% enhance.
In Quebec, the annual price is getting bumped as much as $191.88, too, which marks a 28% enhance.
The modifications have been quietly introduced on the American Categorical web site underneath an “Essential Discover” banner, although it’s possible that communication might be despatched on to present cardholders, too.
You may count on the brand new price construction to use on the following assertion after November 5, 2025 for month-to-month charges, or once you’re up for an annual renewal in Quebec.
For what it’s price, the final time we noticed a rise to the annual (month-to-month) price on the Cobalt Card was in July 2021, when it went from $10 monthly ($120 yearly) to $12.99 monthly ($155.88 yearly).
The American Categorical Cobalt Card Is Properly Definitely worth the Worth
Even with a rise of 23–28%, the price of admission to the American Categorical Cobalt Card is unquestionably price it.
Ever since its launch in 2017, it has been probably the most highly effective bank card in Canada for incomes factors shortly, because of the profitable class incomes charges:
- Earn 5 Membership Rewards factors per greenback spent on groceries and eating in Canada
- Earn 3 Membership Rewards factors per greenback spent on streaming companies in Canada
- Earn 2 Membership Rewards factors per greenback spent on fuel, transit, and experience share in Canada
- Earn 1 Membership Rewards level per greenback spent on all different purchases
Even with a month-to-month cap of $2,500 on the 5x class that was launched final 12 months, the Cobalt Card stays a key pillar in a Miles & Factors technique for Canadians.
It’s price noting that the welcome supply on the cardboard hasn’t modified since November 2023, when it was halved from 30,000 MR factors to fifteen,000 MR factors. Word that there are some Most popular Presents floating round through referral hyperlinks for 22,000 MR factors, too.
American Categorical Cobalt Card
It seems that American Categorical might be seeking to encourage cardholders to maneuver away from the Cobalt and in the direction of to Gold Rewards Card, as we’ve seen a gentle stream of Improve Presents over the previous couple of years. Some have been extra profitable than others, and the present one isn’t that attention-grabbing, for my part.
Nonetheless, the Cobalt Card affords a superb alternative for long-term incomes on each day spending, whereas the welcome affords on the Gold Rewards Card and Platinum Card come and go.
Your greatest guess is prone to leverage the class incomes charges and cheap charges on the Cobalt Card as your each day driver, after which maintaining a watch out for record-high affords on different playing cards within the Membership Rewards household as they grow to be accessible.
Conclusion
As of November 5, 2025, the charges on the American Categorical Cobalt Card are growing. Canadians outdoors of Quebec can pay a $15.99 month-to-month price (up from the present $12.99), and Quebec residents can pay a $191.88 annual price (up from $150).
Whereas it’s by no means good to must pay extra for one thing than you at the moment do, the Cobalt Card continues to supply loads of alternatives for outsized worth. For my part, it continues to punch properly above its weight, and it stays a key part of a bank card portfolio for all Canadian travellers.
You may count on to see the price take impact on the following assertion following November 5, 2025, or in your subsequent cardholder anniversary date in the event you’re a resident of Quebec.
