TrueEarnings Card from Costco and American Express

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Apply online for TrueEarnings<sup>®</sup> Card from Costco and American Express

TrueEarnings^® Card from Costco and American Express
This card is best for Costco members with good credit that do not revolve a balance.

Intro APR
0%

Regular APR
15.24%

Intro APR Period
6 months

Credit Score
Good

Card Category
Cash Back, Gas, Low Intro Rate

CardRatings

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Credit Type

Required Score

Excellent Credit

750 — 850

Good Credit

690 — 749

Fair Credit

640 — 689

Poor Credit

Poor

It is ok to estimate your credit. If you do not know your credit score you can get your free credit score instantly here

Credit Card Review

by Card Expert Curtis Arnold

This is a very popular cash back card and for good reason. First, there is no limit to reward points. Additionally, cardholders earn 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco. This card offers car rental loss and damage at no extra cost. Purchases with this card can also double the length of extended warranties. Cardholders pay no annual fee with a paid Costco membership. The card serves as both your American Express credit card as well as Costco membership card.

TrueEarnings^® Card from Costco and American Express Details

Card Issued By:

American Express

General Correspondence Address:

200 Vesey Street New York NY 10285

Card Type:

American Express

Card Class:

Platinum

Card Category:

Cash Back, Gas, Low Intro Rate

States Available In:

ALL

Minimum Credit Limit:

Maximum Credit Limit:

N/A

Credit Limit Notes:

Credit Card Rate Information

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

11.99

21.99

Standard APR:

15.24%

15.24% Variable

25.24% Variable

Standard APR Floor:

None

Introductory Rate:

N/A

Introductory Period:

6 months

N/A

None

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

27.24% Variable.

Default/Penalty Margin:

23.99

Default/Penalty APR Floor:

None

Maximum Default APR:

27.24%

Penalty/Default Trigger:

Penalty APR will apply to your account if you make one or more late payments; or make a payment that is returned

Credit Card Fee Information

Annual Fee:

None with paid Costco Membership

Foreign Transaction Fee:

2.70%

Late Fee:

Up to $35 max.. up to $35

Over-the-limit Fee:

None

Balance Transfer Fee:

3% fee. $5 min

Cash Advance Fee:

3% ( $5 max.). $5 min

Rebates/Notes

Rebate Description:

Earn 3% - 2% - 2% Cash Back: Receive Cash Back - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco

Special Notes:

Cash back on the things you buy: 3% on restaurants and gasoline up to $3,000 annually, 2% for travel, and 1% everywhere else, including Costco