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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

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Overview

Who is TrueEarnings Card from Costco and American Express® Designed For?

The TrueEarnings Card from Costco and American Express® is designed for people with good credit who have a Costco membership and want a no-hassle cash back rewards credit card with no annual fee and competitive rates. This card also offers a six-month 0% introductory rate on purchases, which makes it a good option for people who are planning to make expensive purchases and would like to pay them off over time interest-free.

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

- The TrueEarnings Card from Costco and American Express® has a 19.9% APR on purchases and balance transfers. This is a competitive rate for a card that accepts applicants with a just “good” credit. There is also a 6-month 0% APR intro rate for new cardholders. Cash advances do have a 27.9% APR and there is a 27.24% APR penalty rate that triggers itself when you are late with a payment or a payment is returned.

What Are the Fees for TrueEarnings Card from Costco and American Express® Credit?

- The TrueEarnings Card from Costco and American Express® doesn't have an annual fee. However, it is only available for people who have a Costco membership. The standard membership costs $55 a year and the executive membership version is $110. The card has a $38 late payment and returned payment fee, but no returned payment fee or over-the-credit-limit fee. Balance transfers and cash advances incur a 3% fee ($5 minimum). Foreign transactions come with a 2.99% fee, but without a minimum fee.

What Is TrueEarnings Card from Costco and American Express®'s Rewards Program Like?

The TrueEarnings Card from Costco and American Express® rewards program has a 3% cash back rate on gas stations within the United States, up to $4,000 a year in purchases, after which the rate reverts to 1%. Travel purchases, and restaurants have a 2% cash back rate. All other purchases have a 1% cash back rate. Cash back is redeemable every year as a reward coupon that can be used at Costco or exchanged for cash. The coupon is issued with the February billing statement of each year and must be redeemed by August 31 of the same year.

What about TrueEarnings Card from Costco and American Express®'s Signup Bonus?

The TrueEarnings Card from Costco and American Express® doesn't have a signup bonus.

Does TrueEarnings Card from Costco and American Express® Have Any Other Benefits?

The TrueEarnings Card from Costco and American Express® offers members a variety of shopping and travel benefits. These include roadside assistance hotline, car rental loss and damage insurance, travel accident insurance and discounts at entertainment events. It also includes extended warranties to all purchases with warranties of 5 years or less and 90 days of purchase protection against theft or accidental damage.

How Is TrueEarnings Card from Costco and American Express® Better Than Other Credit Cards?

TrueEarnings Card from Costco and American Express® offers a competitive rate and decent reward rates on popular purchases, such as gas, dining and travel, without charging an annual fee. However, only Costco members who are up to date with their annual membership fee ($55) qualify to have the card or benefit from its rewards program. The rewards program is flexible and easy to use, members can either redeem their points as cash or as a coupon for purchases at Costco.

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Feature Breakdown

Annual Fee
$0
Minimum Interest Charge
$0
Grace Period / Deferred Interest (Months)
25
Over-Limit Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Foreign Currency Transaction Fee
2.99%
Minimum Age
18
Customer Type
Personal
Card Type
  • Rewards
  • Zero Percent
  • Cash Back
Card Network
  • American Express
Fraud Liability
Car Rental Insurance
Extended Warranty
Travel Insurance
Emergency Support
Every Purchase
2% cashback rewards on nearly all your travel bookings, 3% cashback rewards on virtually all your restaurant dining
All Other Purchases
1% cashback
Purchases APR
Starting at
19.9%
Introductory Rate
0%
Balance Transfer APR
Starting at
19.9%
Transfer Fee
3% ($5 minimum)
Introductory Rate
0%

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