American Express Costco TrueEarnings Card

Regular APR: 13.24% APR
Introductory APR: 0% APR (3 Months)
Annual Fee: $0
Card Strength: Cash Back
Credit Needed: Good

The TrueEarnings® Card serves as both your American Express Credit Card and your Costco Membership Card with the flexibility to pay charges over time.

  • Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • Earn a $25 statement credit with your first purchase made with the Card
  • No Annual Fee with your paid Costco Membership

Introductory Offer $25 statement credit with your first purchase
Interest Rate 0% APR for 3 months
13.24% on purchases
Annual Fee No Annual Fee with paid Costco Membership
Balance Transfer 1.99% during the first 6 months of Cardmembership on balance transfers when you transfer a balance during the first 40 days of Cardmembership.
Prime + 9.99% on future BTs

Rewards Details

Great benefits for Costco members. Non-members can apply for a Costco Membership online when applying for the credit card.

  • * The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • * Receive a $25 statement credit for the first purchase made with the Card!
  • * Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • * No minimum on how much you have to spend
  • * No limit on the Cash Back earned
  • * Pay over time or pay in full
  • * No Annual Fee with your paid Costco Membership
  • * The flexibility to pay charges over time

Additional Benefits

  • Save with American Express Selects: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance
  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours
  • Global Assist┬« Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

In Short: No Limit on the Cash Back earned