Apply for the TrueEarnings® Card from Costco and American Express now

TrueEarnings® Card from Costco and American Express

INTRO APR 0% APR for 3 Months
APR 14.49%
ANNUAL FEE $0
BENEFIT RATING

OVERALL RATING

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Overview

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, and 3% is earned for restaurant and gasoline purchases. 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.

The card has an above average interest rate for purchases and balance transfers (for a reward card). There is no annual fee with a paid Costco membership. Cardholders can also take advantage of the 0% introductory offer on purchases for three months and the very low balance transfer offer for six months on balance transfers made within the first 30 days of 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.

Most Attractive Feature
Cash back rebate program; no annual fee.

Least Attractive Feature
Available to Costco members only.

Additional Benefits
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.

Rates & Fees

Card Category: Cash Rewards

Introductory Rate: 0% APR for 3 Months

Applied Towards: Purchases

Introductory Rate Details: A 1.99% introductory rate is available on balance transfers for the first six months if a transfer is submitted during the first 40 days.

APR (Purchases): 14.49%

APR (Cash Advances): n/a

Finance Configuration: Average Daily Balance (including new purchases)

Annual Fee: $0

Additional Cardholders: $0

Grace Period: 20 Days

Minimum Credit Limit:

Maximum Credit Limit:

Late Payment Fee: n/a

Over-The-Limit Fee: $29

Cash Advance Fee:

Balance Transfer Fee: There is no balance transfer fee for balance transfers made within the first 40 days of cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

Important 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.

Rewards

Points per Dollar:

Additional Points:

Applied Towards:

Point Details:

Expiration: None

Yearly Limit: None

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