🇨🇦 Amex Cobalt Card: A Canadian Everyday-Spending Favourite [25,000-Point Welcome Offer]
September 25, 2026: the Cobalt referral welcome is back at 25,000 Membership Rewards points if you apply by November 30 — 1,250 points after $750 each month in year one (15,000) plus 10,000 points after $2,500 in the first three months. The card still earns 5x on dining and grocery, 3x on select streaming, and useful travel insurance.











