American Express Cobalt Card
American Express
VS
National Bank World Elite Mastercard
National Bank
Best Value
National Bank World Elite Mastercard wins by $242
Based on your spending — adjust below to personalise
Monthly Spending— all calculations update live
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
Best Value
National Bank World Elite Mastercard
Category Earnings+$1212
Welcome Bonus+$350
Annual Fee-$150
Net Value$1412
Earnings breakdown
Grocery$720
Gas$72
Dining$360
Bills$60
Annual Fee
American Express
$191.88
National Bank
$150
✓ Better
Welcome Bonus
American Express
$150
National Bank
$350
✓ Better
Base Rate
American Express
100.0x
National Bank
100.0x
Grocery
American Express
5.0x
National Bank
5.0x
Gas
American Express
2.0x
National Bank
2.0x
Dining
American Express
5.0x
National Bank
5.0x
Bills
American Express
1.0x
National Bank
1.0x
| Feature | American Express Cobalt Card | National Bank World Elite Mastercard |
|---|---|---|
Annual Fee | $191.88 | $150 |
Welcome Bonus | $150 | $350 |
Base Rate | 100.0x | 100.0x |
Grocery | 5.0x | 5.0x |
Gas | 2.0x | 2.0x |
Dining | 5.0x | 5.0x |
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.