Frequency
The more you shop, the more you can earn at participating merchants.
Travel
Earn 5x the points on all purchases with Brim Travel (coming soon).
Bonus
Earn milestone bonuses at specified merchant partners.
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Priority airport services
No
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Airport lounge access
Yes
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Concierge service
Yes
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $199
- Additional Card Fee: $50
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Value
Make your points go further by finding the best deals in the market and redeeming anywhere.
Flexibility
Use your points as rewards or as cashback whenever you want.
Multipliers
Watch for surge multipliers at participating merchants where your points will go even further.
Free Global Wi-Fi
Access to over 1 million Boingo Wi-Fi hotspots in airplanes, airports, trains, hotels and cafes around the world. Enrollment is easy and all you need to do is set up an account at the time of card activation and download the Boingo app.
Brim is the only issuer in Canada to offer this feature to all of its cardholders.
0% Foreign Transaction Fees
Brim will not charge any foreign transaction fees on purchases in another currency, online or abroad. Most banks charge you 2.5%
Installment plans right at your fingertips.
From fancy bikes to travel tickets to furnishing a new apartment, pay on your terms by setting up smaller monthly payments that wont affect your available credit. Use your Brim App or Portal to instantly install your purchases.
Brim is the first in Canada to offer fully embedded digital installment plans.
American Express Cobalt® Credit Card review 2024
Welcome Offer:
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In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to 15,000 points in a year.
American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
