American Express Cobalt Card
American Express
VS
Marriott Bonvoy American Express Card
American Express
Best Value
American Express Cobalt Card wins by $362
Based on your spending — adjust below to personalise
AI Expert Analysis
Analyzing cards...
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
Marriott Bonvoy American Express Card
Category Earnings+$528
Welcome Bonus+$400
Annual Fee-$120
Net Value$808
Earnings breakdown
Grocery$288
Gas$36
Dining$144
Bills$60
Annual Fee
American Express
$191.88
Marriott Bonvoy
$120
✓ Better
Welcome Bonus
American Express
$150
Marriott Bonvoy
$400
✓ Better
Base Rate
American Express
1.0%
Marriott Bonvoy
1.0%
Grocery
American Express
5.0%
✓ Better
Marriott Bonvoy
2.0%
Gas
American Express
2.0%
✓ Better
Marriott Bonvoy
1.0%
Dining
American Express
5.0%
✓ Better
Marriott Bonvoy
2.0%
Bills
American Express
1.0%
Marriott Bonvoy
1.0%
| Feature | American Express Cobalt Card | Marriott Bonvoy American Express Card |
|---|---|---|
Annual Fee | $191.88 | $120 |
Welcome Bonus | $150 | $400 |
Base Rate | 1.0% | 1.0% |
Grocery | 5.0% | 2.0% |
Gas | 2.0% | 1.0% |
Dining | 5.0% | 2.0% |
Bills | 1.0% | 1.0% |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.