American Express Cobalt Card
American Express
VS
American Express Platinum Card
American Express
Best Value
American Express Cobalt Card wins by $441
Based on your spending — adjust below to personalise
Monthly Spending— all calculations update live
Best Value
American Express Cobalt Card
Category Earnings+$1212
Welcome Bonus+$150
Annual Fee-$191.88
Net Value$1170
Earnings breakdown
Grocery$720
Gas$72
Dining$360
Bills$60
American Express Platinum Card
Category Earnings+$528
Welcome Bonus+$1000
Annual Fee-$799
Net Value$729
Earnings breakdown
Grocery$288
Gas$36
Dining$144
Bills$60
Annual Fee
American Express
$191.88
✓ Better
American Express
$799
Welcome Bonus
American Express
$150
American Express
$1000
✓ Better
Base Rate
American Express
100.0x
American Express
100.0x
Grocery
American Express
5.0x
✓ Better
American Express
2.0x
Gas
American Express
2.0x
✓ Better
American Express
1.0x
Dining
American Express
5.0x
✓ Better
American Express
2.0x
Bills
American Express
1.0x
American Express
1.0x
| Feature | American Express Cobalt Card | American Express Platinum Card |
|---|---|---|
Annual Fee | $191.88 | $799 |
Welcome Bonus | $150 | $1000 |
Base Rate | 100.0x | 100.0x |
Grocery | 5.0x | 2.0x |
Gas | 2.0x | 1.0x |
Dining | 5.0x | 2.0x |
Bills | 1.0x | 1.0x |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.