American Express
American Express Cobalt Card
≈ $864.72 a year after fees, on a typical budget
- Annual fee
- $155.88
- Earns
- American Express Membership Rewards
- FX fee
- 2.5%
- 5×Eats & drinks *
- 3×Streaming
- 2×Gas, transit & travel
- 1×Everything else
Marriott Bonvoy American Express Card
- Yearly value, after fees
- ≈ $190.80
- Annual fee
- $120.00/year
- Foreign transaction fee
- 2.5%
- Network
- American Express
Earn rates
| On | Earns |
|---|---|
| Marriott hotels | 5 pts/$ |
| Everything else | 2 pts/$ |
"pts/$" means points per dollar. Rewards are earned in Marriott Bonvoy points.
What it earns in a year
On a typical Canadian budget of $1,850 a month, at Fruga's default value of 0.7¢ per Marriott Bonvoy point:
- Rewards
- $310.80
- Annual fee
- − $120.00
- Net yearly value
- $190.80
Welcome bonuses are not included. How we calculate this.
Fine print
- Marriott earning applies at participating Marriott Bonvoy properties.
More from American Express
American Express
American Express Gold Rewards Card
≈ $255.80 a year after fees, on a typical budget
- Annual fee
- $250
- Earns
- American Express Membership Rewards
- FX fee
- 2.5%
- 2×Travel, gas, grocery & drugstore
- 1×Everything else
American Express
The Platinum Card
≈ −$399.40 a year after fees, on a typical budget
- Annual fee
- $799
- Earns
- American Express Membership Rewards
- FX fee
- 2.5%
- 2×Dining & food delivery
- 2×Travel
- 1×Everything else