American Express Cobalt Card
American Express
BMO CashBack World Elite Mastercard
BMO
BMO CashBack World Elite Mastercard wins by $158
Based on your spending — adjust below to personalise
American Express Cobalt excels in welcome bonuses (150 points). BMO CashBack offers better gas rewards (0.03x vs. 0.02x). Choose Cobalt for strong dining rewards, BMO for lower annual fees and cashback on gas.
BMO CashBack World Elite Mastercard
American Express Cobalt Card
Earnings breakdown
BMO CashBack World Elite Mastercard
Earnings breakdown
American Express
$191.88
BMO CashBack
$120
✓ Better
American Express
$150
BMO CashBack
$200
✓ Better
American Express
1.0%
BMO CashBack
1.0%
American Express
5.0%
BMO CashBack
5.0%
American Express
2.0%
BMO CashBack
3.0%
✓ Better
American Express
5.0%
BMO CashBack
5.0%
American Express
1.0%
BMO CashBack
1.0%
| Feature | American Express Cobalt Card | BMO CashBack World Elite Mastercard |
|---|---|---|
Annual Fee | $191.88 | $120 |
Welcome Bonus | $150 | $200 |
Base Rate | 1.0% | 1.0% |
Grocery | 5.0% | 5.0% |
Gas | 2.0% | 3.0% |
Dining | 5.0% | 5.0% |
Bills | 1.0% | 1.0% |
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.