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