Which has the lower annual fee, American Express Cobalt Card or RBC British Airways Visa Infinite?

The RBC British Airways Visa Infinite has a $165 annual fee, while the American Express Cobalt Card charges $192/year.

Which card is better for groceries, American Express Cobalt Card or RBC British Airways Visa Infinite?

The American Express Cobalt Card earns 5x on groceries, while the RBC British Airways Visa Infinite earns 2.3%. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the American Express Cobalt Card accepted everywhere in Canada?

The American Express Cobalt Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

American Express Cobalt Card vs RBC British Airways Visa Infinite — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

American Express Cobalt Card wins by $1,947/yr — strongest in groceries

American Express Cobalt Card earns $990 more on groceries
American Express Cobalt Card earns $256 more on dining & restaurants
$300 welcome bonus advantage

Groceries: +$990Dining & Restaurants: +$256Gas: +$135

American Express Cobalt Card: $30/yr in foreign transaction fees

American Express Cobalt Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

RBC British Airways Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$2,532

/first year

6.0% effective$211/mo

vs 1% no-fee card: +$2,113

Annual rewards earned+$2,454

Welcome bonus+$300

FX costs−$30

Annual fee−$192

$585

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$166

Annual rewards earned+$780

FX costs−$30

Annual fee−$165

Best for your spendingAmerican Express Cobalt Card—$2,532Year 1 value

+$1,947 more than RBC British Airways Visa Infinite

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Earn Rates by Category

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The Bottom Line

American Express Cobalt Card wins by $1,947/yr — strongest in groceries

American Express Cobalt Card earns $990 more on groceries
American Express Cobalt Card earns $256 more on dining & restaurants
$300 welcome bonus advantage

Groceries: +$990Dining & Restaurants: +$256Gas: +$135

Showing Year 1 analysis

American Express Cobalt Card wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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