Which airport lounges does the American Express Cobalt® Card give access to?

The American Express Cobalt® Card provides access through lounge networks. These networks cover thousands of lounges at airports worldwide. Specific availability varies by location.

What is the annual fee for the American Express Cobalt® Card?

The American Express Cobalt® Card has an annual fee of CA$191.88.

Can I bring guests to lounges with the American Express Cobalt® Card?

The American Express Cobalt® Card is for cardholder access only; guests are not included by default.

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American ExpressCanada

American Express Cobalt® Card

Annual Fee

CA$191.88/ year

Canada's highest-earning grocery & dining card — 5x points stacks fast.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: May 2026. Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

Welcome Bonus: 15,000 Points (1,250/month for 12 months at $750 monthly spend)
5x on groceries is unmatched in Canada
Transferable to 7 airline & hotel partners (Aeroplan, Marriott, British Airways)
Monthly $15.99 fee vs. lump-sum annual fee
Free supplementary cards

The Bad

5x grocery capped at $30,000/year ($2,500/month)
No lounge access or travel credits
Not accepted everywhere Amex isn't (smaller merchants)
Welcome bonus is tied to ongoing spend (12 months)

Lounge Access

0 lounge networks included

Guest Policy

Cardholder only

Purchase APR

21.99% Purchase / 21.99% Cash Advance

Credit Score

Good/Excellent (725+)

Limited Time Offer

15,000 Membership Rewards® Points

Offer Terms & Eligibility:

Earn 1,250 points/month for 12 months when you spend $750/month.

Lounge Networks

0 Included

Additional Travel Perks

5x Points on Eats & Drinks in Canada (groceries, restaurants, food delivery)

3x Points on Streaming Services in Canada

2x Points on Transit, Gas & Rideshare in Canada

$0 Supplementary Cards (add household members at no cost)

$5M Emergency Medical Insurance

Flight & Baggage Delay Insurance

Hotel Burglary Insurance

Front of the Line presale tickets via American Express Experiences

Lounges American Express Cobalt® Card Opens

No airport lounge access is included with this card based on the lounge networks AirportLounge.com tracks. That doesn't necessarily mean the card has zero lounge benefit — issuers occasionally bundle limited or one-time-use passes that aren't a tracked network. Always confirm the current benefit on the issuer's site before applying.

For lounge access, browse all cards with tracked lounge networks or compare against a card you're considering on Compare.