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  TrueEarnings Card from Costco and American Express®

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TrueEarnings Card from Costco and American Express®

in Personal Credit Cards from American Express National Bank

Out of Business

TrueEarnings Card from Costco and American Express®

in Personal Credit Cards from American Express National Bank

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Highlights
Purchase APR  (Variable APR) Starting at 19.9%
Balance Transfer APR  (Variable APR) Starting at 19.9%
Credit Score Range N/A
Annual Fee $0

TrueEarnings Card from Costco and American Express® Review

TrueEarnings Card from Costco and American Express® is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

This is a cashback credit card issued by American Express National Bank. If you're wondering whether TrueEarnings Card from Costco and American Express® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 19.9%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.99% every time you make a transaction outside the U.S.
Pros & Cons of TrueEarnings Card from Costco and American Express®
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.99%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card benefits.
TrueEarnings Card from Costco and American Express® FAQ

Does TrueEarnings Card from Costco and American Express® have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

TrueEarnings Card from Costco and American Express® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does TrueEarnings Card from Costco and American Express® have a signup bonus?

This card doesn't offer a cash signup bonus.

Does TrueEarnings Card from Costco and American Express® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for TrueEarnings Card from Costco and American Express®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR starting at 19.9% . The card has a variable balance transfer APR starting at 19.9% .

Does TrueEarnings Card from Costco and American Express® have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

TrueEarnings Card from Costco and American Express® Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR Starting at 19.9%

Does TrueEarnings Card from Costco and American Express® have an intro APR offer on new purchases?

TrueEarnings Card from Costco and American Express® Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for TrueEarnings Card from Costco and American Express®?

The following fees apply:

  • There is no overlimit fee
TrueEarnings Card from Costco and American Express® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2.99%
Returned Payment Fee $38
Late Payment Fee $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does TrueEarnings Card from Costco and American Express® have a foreign transaction fee?

TrueEarnings Card from Costco and American Express® charges a foreign transaction fee of 2.99%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $59.8. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for TrueEarnings Card from Costco and American Express®?

The TrueEarnings Card from Costco and American Express® customer service number is (800) 528-4800.

What is the support contact email for TrueEarnings Card from Costco and American Express®?

The support contact email for TrueEarnings Card from Costco and American Express® is info@americanexpress.com.

How to apply for TrueEarnings Card from Costco and American Express®

  • Visit the TrueEarnings Card from Costco and American Express® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 2.99%
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Purchase APR (Variable APR) Starting at 19.9%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) Starting at 19.9%
Card Type
  • Rewards
  • Zero Percent
  • Cashback
Card Network American Express

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