credit-card
American Express Cobalt · 2× points on gas
2% back All brands
How to use it
2 Membership Rewards points/$ on gas and transit. ~2% value when transferred to airlines. Not every merchant accepts Amex.
This benefit can be factored into the best scenario if the brand and program conditions match.
Visit the official program ↗
✓ This card is already active in your profile
💸 Net return after annual fee
The advertised gross return (4%, 3%, etc.) does not include the annual fee. Here is the effective return at different mileages.
| Profile | Gross savings | Annual fee | Net | Effective rate |
|---|---|---|---|---|
| Light (8,000 km / 1,200 L) | $46 | −$156 | −$110 | -4.74% |
| Average (15,000 km / 1,750 L) | $68 | −$156 | −$88 | -2.62% |
| High (25,000 km / 2,800 L) | $108 | −$156 | −$48 | -0.89% |
🎯 Break-even point : $7800 gas spend per year (below that, the card costs more than it earns.)
Terms verified on 2026-05-23
Programs can change their terms. To compare all cards, return to the card matrix.