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| TrueEarnings® Card from Costco and American Express Find more credit cards from 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% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
- Go to issuer's official application, terms, and details
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. |
Credit Card Review by CreditDonkeyTrueEarnings® Card from Costco and American Express is a Personal American Express Network card with $0 annual fee. To apply for Costco American Express, you usually need excellent credit. Apply directly for the TrueEarnings® Card from Costco and American Express with American Express secure online application. | Intro APR | Intro Period as long as | APR as low as | Penalty APR |
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| Purchases | 0% | 6 months | 15.24% (Variable) | 27.24% |
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| Balance Transfers | - | - | 15.24% (Variable) | 27.24% |
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| Cash Advances | - | - | 25.24% (Variable) | 27.24% |
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Rewards & Benefits Cash Back RewardsCash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases ( 1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco  Gas Rewards3% cash back for the first $3,000 in annual gasoline purchases (1% thereafter) CharityThe GivingExpressSM program from American Express makes it easy to donate dollars to your favorite charity. You can choose from over one million organizations, track your donations online and stay organized for tax time  EventsEnjoy exclusive access and benefits in select markets with Ticketmaster® through the American Express® Ticket Savings Center  Travel Accident InsuranceUse the American Express® Card online or off, and you won't be held responsible for any fraudulent charges. Period.  Car Rental InsuranceCar Rental Loss and Damage Insurance provides coverage for theft of or damage to most rental vehicles when you use your Card to reserve and pay for an auto rental.  Extended WarrantyExtended Warranty mirrors manufacturers' warranties for covered products purchased with your Card account up to one additional year.  Purchase Protection90-day coverage from date of purchase against theft and accidental damage up to $1,000 per occurrence.
Interest Rates & Interest Charges- Annual Percentage Rate (APR) for Purchases
0% introductory APR for 6 months. After that, your APR will be as low as 15.24% (Variable) based on your creditworthiness and other factors. - Annual Percentage Rate (APR) for Balance Transfers
APR will be as low as 15.24% (Variable) based on your creditworthiness and other factors. - Annual Percentage Rate (APR) for Cash Advances
APR will be as low as 25.24% (Variable) based on your creditworthiness and other factors. - Paying Interest for Purchases
You usually have at least 25 days after the close of each billing cycle to pay your entire balance to avoid interest. - Paying Interest for Balance Transfers
Usually, interest begins charging on the transfer transaction date. - Paying Interest for Cash Advances
Usually, interest begins charging on the cash advance transaction date.
Fees- Balance Transfer Transaction Fee
Either $5.00 or 3% of the amount of each transfer, whichever is greater. - Cash Advance Transaction Fee
Either $5.00 or 3% of the amount of each cash advance, whichever is greater. - Foreign Exchange Transaction Fee
2.7% of the amount of each transaction. - Late Payment Fee
Usually, a $35 fee for each late payment may apply. - Returned Payment Fee
Usually, a $35 fee for each returned payment may apply. - Overlimit Fee
Usually, a $0 fee for each overlimit may apply.
Complete Card Details- For the complete terms and conditions, view the issuer's official application, terms, and details. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the issuer's website.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
Articles on TrueEarnings® Card from Costco and American ExpressCostco shoppers looking for rewards on their in-store and gasoline purchases should check out the TrueEarnings Card from Costco and American Express. There is no annual fee for active Costco members, so the cash back you earn goes straight to your wallet. It also comes packed with the benefits you'd expect from American Express. Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
Compare Costco American Express to: | | - Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
| | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | - | 17.24% - 22.24% (Variable) | $0 |
|  | | - Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
| | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 15 months | 0% for 15 months | 12.99% - 22.99% (Variable) | $0 |
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| Intro APR (P) | Intro APR (BT) | APR as low as | | - | - | N/A | | - 25,000 Membership Rewards® points bonus when you spend $2,000 during your first three months of Card membership
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- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in–flight refreshments, and change fees.*
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| Intro APR (P) | Intro APR (BT) | APR as low as | | - | - | N/A | | - Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership
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| Intro APR (P) | Intro APR (BT) | APR as low as | | - | - | N/A | | - Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
- Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
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