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@businessbamie

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SoundTikTok sound · original sound - businessbamie

Promoted product

American Express Cobalt Card

Learn More About The American Express Cobalt Card And Earn Membership Rewards® Points With Qualified Purchases.

4 videos2 creators

Why it worked

The video effectively breaks down the value proposition of the American Express Cobalt Card for a specific demographic (university students) by using relatable spending habits (food delivery, groceries) and clear calculations to demonstrate how the card's benefits outweigh its cost. The inclusion of specific reward multipliers (5x on food/delivery) and credits (Instacart) makes the value tangible.

Summary

The creator discusses the American Express Cobalt Card, highlighting its value for university students despite a recent fee increase. They explain how the card's rewards on food and delivery services, along with benefits like Instacart and Uber Eats credits, can outweigh the monthly fee.

Structure

1Introduction of working at Amex and the Cobalt card
2Fee increase explanation and calculation of value
3

Original caption

Cobalt fee increase is completely justified imo and remains a very good credit card #canada #student #creditcard #amex

More from @businessbamie

Product placement

The video prominently features the American Express Cobalt Card, showing the physical card and discussing its benefits and fee structure. It also mentions Instacart and Uber Eats as services where the card offers rewards.

Call to action

So if you're thinking about getting this as your sign.

On-screen text

I WORKED AT AMERICAN EXPRESS SUMMER AND AS HERE'S WHY I COBALT IS STILL WORTH IT AFTER FOR THOSE THAT OF THE COBALT INCREASED FROM $13 TO $16. The monthly fee for the American Express Cobalt Card in Canada increased to $15.99 as of November 5, 2025, up from $12.99, while Quebec residents will see their annual fee rise to $191.88. This change reflects a 23% increase for non-Quebec residents and a 28% increase for Quebec residents. MEANS THAT IF YOU'RE SPENDING MONEY SINGLE MONTH, MORE THAN $320 SINGLE MONTH, BE MAKING MORE MONEY THAN THE $16 EVERY SINGLE MONTH IS CHARGING YOU. THE COBALT CARD HAS THAT NOT PEOPLE KNOW ABOUT DOLLAR INSTACART CREDIT THAT YOU GET AS A STUDENT, PRETTY OFTEN BECAUSE I HATE GROCERY SHOPPING AND THE COBALT GIVES YOU 5X SPENDING MONEY ON INSTACART ANYWAYS. PLUS ON TOP UBER EATS LIKE AND THE COBALT X ON ALL MY UBER EATS PURCHASES. I THINK THE COBAL CARD IS REALLY, MOST UNIVERSITY STUDENTS SO MUCH MONEY ON TAKE OUT WELL AS FOOD DELIVERY. SO YOU MIGHT POINTS WHILE YOU'RE ALSO KEEP IN MENTIONING ANY OF THE OTHER MULTIPLIERS THAT THE COBALT HAS STREAMING SUBSCRIPTIONS, AS WELL AS ACCESS TO OTHER AMEX BENEFITS OF THE LINE AS WELL AS INSURANCE. THINKING ABOUT GETTING THIS AS YOUR SIGN.

Transcript

I worked at American Express last summer and as a college student, here's why I still think the Cobalt is still worth it after the fee increase. For those that don't know, the monthly fee of the Cobalt increased from $13 to $16. But that still means that if you're spending money on food every single month, more than $320, more than $320 on food every single month, you're going to be making more money than the $16 every single month is charging you. The Cobalt card has that not people know about, the $60 Instacart credit that you get every single year as a student. I use Instacart pretty often because I hate grocery shopping and the Cobalt gives you 5x the amount of points when you're spending money on Instacart anyways. Plus on top of that, I Uber Eats like every other day and the Cobalt gives me 5x on all my Uber Eats purchases. Because of this, I think the Cobalt card is really, really great for most university students because you're spending so much money on takeout as well as food delivery. So you might as well get points while you're also keep in mentioning any of the other multipliers that the Cobalt has, streaming subscriptions, as well as access to other AMEX benefits, of the line, as well as insurance. So if you're thinking about getting this as your sign.