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True Earnings Card from Costco and American Express

TrueEarnings® Card from Costco and American Express

- American Express Card and Costco Membership Card in one — with no annual fee for Costco members
- Cash back on the things you buy: 3% on restaurants and gasoline up to $3,000 annually, 2% for travel, and 1% almost everywhere else
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings Cardmembers from Costco and American Express
Get approved in 60-seconds.

(4.5 out of 5.0)

Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases

Intro Period:

6 months on Purchases*

APR:

15.24%*

APR Type:

variable

Annual Fee:

$0.00*

Issuer:

American Express

Card Network:

American Express®

Card Category:

Consumer (Regular)

Card Type:

Co-Branded Credit Card
Reward Card

Credit Needed:

Good*

Grace Period:

N/A*

Min Finance Charge:

$0.50

Late Payment Fee:

N/A*

Over Limit Fee:

$29.00

Balance Transfers

Balance Transfer:

Yes!

Cash Advances

APR on Cash Advances (%):

23.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$5.00

Comments

A fixed introductory APR of 1.99% for the first 6 months for balance transfers submitted with the application or posted to your account during the first 90 days of card membership. - Then, the standard APR for purchases will apply

Review

The TrueEarnings from Costco and American Express credit card is reserved for Costco members having good credit ratings. An introductory APR period applies towards purchases on a short term and balance transfers on a mid term period. During the intro period, no interest is charged except on balance transferred from higher interest cards.

An online account management interface lets card members monitor expenses easily. This is done through secure and encrypted connections for better security. No annual membership fee is charged.

On the rewards program, card members earn 3% cash back on gasoline and restaurant purchases, travel purchases earn 2% while other applicable purchases earn 1%. There are no annual caps or expiry dates on which cash earned will expire. Members redeem cash earned for hotel stays at participating hotels and resorts.

Features

Most attractive:

- No annual fee
- Introductory offer
- Free rewards program

Least attractive:

- Available to Costco members only

Rewards & Benefits

Reward Types:

Cash Back Reward Cards
Gas / Auto Reward Cards
Travel Reward Cards

Reward Unit:

Cash

Rewards:

- Earn 3% for gasoline
- Earn 3% for restaurants
- Earn 2% for travel
- Earn 1% everywhere else, including Costco

Expiration:

None

Yearly Limit:

None

Other Benefits:

- Card can be used as a Costco membership card
- Internet account related services
- Travel and emergency assistance services
- Auto rental insurance
- $100,000 in travel accident insurance
- Zero liability for unauthorized Internet transactions
- Discounts at participating retailers and merchants
- Extended warranty for purchases
- Purchase protection
- Emergency card replacement

Online Access: