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Overall Rating:
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Annual Fee: |
$0 |
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Intro Rate: |
0.00% |
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APR: |
15.24% variable |
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Card Type |
Reward - Cash |
The TrueEarnings® Card from Costco and American Express is designed for Costco members who have average credit and plan to take advantage of the cash back reward program.
The cash rebate amount varies according to where the cardholder makes the purchase; 1% is earned on general purchases, 2% is earned for travel-related purchases, 2% is earned for restaurant purchases and 3% is earned on gasoline purchases up to $3,000 (1% thereafter). There is no limit to the amount of cash rebates that can be earned.
In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance. New card customers will enjoy 0% APR on purchases for the first 6 months of account membership. There is also no annual fee for this card with a paid Costco membership.
Therefore, those who plan to spend at least $5,000 a year on the card and plan to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the TrueEarnings® Card from Costco and American Express has to offer. |
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Other Card Specific Information
| Applied To |
Purchases |
| Intro Details |
You will enjoy 0% APR for 6 months on purchases from the date of account opening. After that, your regular APR will apply. |
| Var Fi x Purchase |
Variable |
| Annual Fee |
$0 |
| Annual Details |
No annual membership fee with your paid Costco Membership |
| Application Fee |
n/app |
| Participation Fee |
n/app |
| Reload Fee |
n/app |
| Inactive Fee |
n/app |
| Total First Year Fees |
n/app |
| Type of Reward |
Rebate |
| Optional Reward |
No |
| Optional Annual Fee |
n/app |
| Rebate Minimum |
1% |
| Rebate Maximum |
3% |
| Additional Rebates |
3% for annual gasoline purchases of up to $3,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco |
| Rebate Details |
The rebate will be sent each year in the cardholder's February billing statement. |
| Points Per Dollar Spent |
n/app |
| Additional Points |
n/app |
| Point Details |
n/app |
| MilesPerDollarSpent |
n/app |
| AdditionalMiles |
n/app |
| MileDetails |
n/app |
| Miles Compatible With |
n/app |
| Expiration |
Reward is distributed annually in the form of a reward coupon, and coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. |
| Yearly Limit |
None |
| Additional Perks |
Card can be used as a Costco membership card.
Various travel and emergency assistance services.
Auto rental insurance.
Various Internet account related services.
No liability for unauthorized Internet transactions.
Access to various discounts at participating retailers and merchants.
Extended warranty for purchases.
Purchase protection.
Emergency card replacement.
Up to $100,000 in travel accident insurance.
See website for additional benefits. |
| Notations |
To apply for the card, the applicant must have a valid Costco membership.
This card is not available to Puerto Rico residents.
See website for complete terms and conditions of card usage and application disclosure. |
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Reward Credit Cards
